Financial products cannot afford float rounding errors, un-idempotent webhooks or KYC flows that lose 60% of applicants. We engineer double-entry ledgers, payment orchestration and compliant onboarding under strict security review.
BEFORE AND AFTER
Retrofitting a double-entry ledger after launch is painful. We design the journal, webhook state machine and reconciliation rules up front.
WHAT WE BUILD
Append-only journals, holds, captures, splits and multi-currency balances.
We engineer integer-minor-unit double-entry ledgers where every credit has a matching debit, pending holds never double-spend and daily reconciliation against PSP settlements runs automatically.
Verify individuals and businesses fast without losing legitimate customers.
Progressive onboarding wired to Stripe Identity, Sumsub, Persona, Alloy or open-banking APIs, paired with a clean compliance review queue for manual exceptions.
Cards, ACH, SEPA, wires and marketplace payouts under one adapter.
Connect Stripe Connect, Adyen, Checkout.com, Wise or bank APIs with automatic retry logic, webhook signature verification and finance-ready payout reports.
Velocity limits, anomaly alerts and audit evidence built into the platform.
Strict RBAC, field-level encryption, maker-checker controls on sensitive actions and SOC 2 / ISO 27001 / PCI-DSS SAQ-A architecture.
ROUTE AROUND OUTAGES
One rail is an outage waiting to happen. Every rail you add is a failover path and usually a cheaper route for part of your volume. The orchestrator picks per transaction, in milliseconds.
IN PRODUCTION
Holds, captures, splits and settlement status reconciled against the bank, live.
Scope a treasury view
Every PSP settlement matched to journal entries automatically, diffs queued.
Automate our recon
RBAC, field encryption and audit evidence generated as a byproduct of work.
Review our controls
Thresholds tuned per segment so fraud stops and good customers flow.
Tune our risk rulesWAYS TO START
10-day review of your ledger schema, payment webhooks, auth and compliance posture.
End-to-end engineering of your customer app, compliance console and ledger.
Cut applicant drop-off while keeping compliance rules intact.
Adjacent disciplines
Application pen-testing, cloud hardening and SOC 2 / ISO 27001 readiness.
ProductMulti-tenant B2B software, RBAC and operator consoles.
VerificationProperty-based ledger tests and three-signal release gates.
Finance BIAutomated T+1 settlement reconciliation, cohort revenue and take-rate BI.
Scope · Build · Operate
Share your current setup or brief. We reply with a written architecture plan and fixed scope within one business day.