Multi-rail payments and reconciled ledgers
Card, bank, wallet, open banking, FX. Double-entry ledger with audit, disputes and settlement.
- Stripe · Adyen · Plaid · MangoPay
- Real-time reconciliation
- PCI scope minimized by design
Build and operate financial software under the compliance contract
Banking, payments, wealth and capital-markets products succeed when the compliance layer is treated as a first-class surface. Our fintech engagements pair senior engineering with regulatory literacy so the release train never stalls on a late audit question.
01, CAPABILITIES
What we build inside financial products.
Verification and risk scoring at the gate
Identity, document, sanctions and PEP screening; adverse-media watchlists; risk scoring for exceptions.
- Onfido · Sumsub · ComplyAdvantage
- Tiered verification flows
- Human review queue for edge cases
Portfolios, positions and statements
Brokerage integrations, portfolio math, exposure and performance reports with statement generation.
- Multi-custodian connectors
- Cash & securities reconciliation
- Statement PDF & API delivery
Fraud, chargeback and operational signals
Real-time scoring, case management, chargeback defense and incident dashboards for risk and ops teams.
- Model + rule hybrid scoring
- Case workflow with audit trail
- Chargeback evidence pack automation
White-label wallet, card and lending
Plug financial rails into non-financial products with sponsor bank relationships and BaaS partners.
- Card issuance · virtual & physical
- Savings & lending flows
- Program management tooling
Regulatory reporting without quarterly panic
Data contracts, reporting pipelines, reconciliation and audit packs generated from the source of truth.
- FinCEN · FFIEC · EBA · BRSA-ready
- Immutable audit trail
- Exception pipeline with human review
Compliance-first delivery
Scope the compliance track ↗ Most fintech stalls because compliance is treated as a gate at the end. We wire audit artifacts into the delivery pipe from week one, so the release train never stops for a late control question.
02, COMPLIANCE TRACK
Where compliance enters the delivery pipe.
Compliance is not a stage at the end. It is a series of artifacts that travel with the work. Each checkpoint produces something auditors can read.
C-01 · scope
Regulatory scope written before build
Which regulations apply, which exemptions hold, which jurisdictions are in scope, and who signs off each.
Scope memo
C-02 · data
Data map & retention policy
Every sensitive field has an owner, classification and retention rule. PII, PCI and bank-secret boundaries explicit.
Data map
C-03 · design
Controls designed into the flow
KYC tiers, transaction limits, segregation of duties, dual approval, designed inside the UX, not bolted later.
Control set
C-04 · release
Change management with evidence
Every release carries a trail: tickets, reviewers, test results, migration scripts, rollback steps. Auditable by default.
Release pack
C-05 · operate
Continuous monitoring & exception queue
Suspicious-activity signals, reconciliation breaks and PCI scans routed to a human queue with a visible SLA.
Monitoring
C-06 · attest
Audit pack on demand
Regulator or internal audit requests are served from generated artifacts, not a scramble across inboxes.
Audit pack
03, OPERATING INDICATORS
Numbers we track inside fintech engagements.
99.98%payment uptimerolling 90-day on live engagements
< 14daudit pack turnaroundregulator or internal audit request
0critical findingscumulative across recent external audits
< 7mMTTR on payment incidentssenior on-call with runbook
04, REGULATORY LANDSCAPE
Frameworks we build inside.
Fintech build
Bring the regulationyou are building under.
We map the control set, the audit pack and the release cadence that make senior sponsors comfortable.