FinTech engineering that survives auditors, scale, and silence
Payment platforms, lending engines, NBFC infrastructure, and RBI-compliant systems. Built by engineers who've shipped under PCI DSS scope and seen what happens when corner-cutting hits production.
You're probably reading this if…
- You're a Series A FinTech founder racing toward your next round, and your auditor flagged PCI scope expansion in last week's review.
- You're an NBFC building lending infrastructure and need a partner who understands KYC/AML pipelines, not just APIs.
- Your payment volume just hit the threshold where your single-server architecture will time out under Black Friday traffic.
- You're a bank or large enterprise that needs an integration partner who won't expose your core systems through a poorly-designed API.
The breakage we see most
These are the patterns that show up on first calls. If you're seeing 1+ of these, an architecture audit will save you weeks.
PCI scope creeping over the entire platform
Card data flowing through 8 services that don't need it. Auditor says 'reduce scope' — you don't have an architect who knows how. We've shrunk PCI scope by 80% on real systems.
KYC pipeline that breaks at scale
Synchronous KYC checks taking 8 seconds at p95. User drops off. We rebuild as async-first with progress webhooks, drop completion time to seconds.
Settlement reconciliation as a manual process
Finance team running spreadsheet reconciliation for 14 days each month. Built right, this is a 5-minute cron job with anomaly alerts on Slack.
Fraud detection bolted on after launch
Rules engine in 2,000 lines of if-else. We replace with a feature-vector pipeline + ML scoring layered into the transaction flow without latency budget loss.
Audit trail that won't pass forensic review
Application logs that can be edited, no chain of custody. We ship cryptographically chained immutable audit logs that pass forensic review.
API design exposing the wrong surface to partners
Partner banks asking for API access, your team scrambling to build it. We design proper partner APIs with auth, rate limiting, audit, and observability from sprint 1.
The exact deliverables on a typical engagement
Payment processing platforms
Multi-currency, multi-method (cards, UPI, wallets, BNPL), with proper PCI scope reduction via tokenisation vault architecture.
Lending and underwriting engines
Decision engines, credit scoring pipelines, loan management systems, NBFC core banking integration, regulatory reporting.
KYC / AML infrastructure
Document verification, video KYC, sanctions screening, beneficial ownership analysis, PEP/adverse media checks. Async-first.
Settlement & reconciliation
Multi-leg settlement engines, automated reconciliation with anomaly detection, exception workflows, audit trail.
Fraud & risk
Real-time risk scoring with feature stores, rule engines, ML-based anomaly detection, case management for analyst workflows.
Compliance scaffolding
PCI DSS readiness, RBI tech audits, SOC 2, ISO 27001 control implementation. We ship the controls; your auditor signs off.
Partner & merchant APIs
Production-grade APIs for partner banks, merchants, and aggregators. OAuth, mTLS, rate limiting, observability.
Tools we typically reach for
Questions teams ask before starting
Ready to stop wondering?
Free 30-min architecture audit. We'll send a written 1-page review of your idea or system within 48 hours.
Book a 30-min Architecture Audit