Fintech software built for
compliance.
Your audit team will not need to rebuild
it.
We build payment infrastructure, SaaS fintech products, and enterprise financial platforms for CTOs who cannot afford a compliance failure. PCI-DSS, SOC 2, and GDPR are architecture requirements on every project. They are never an afterthought.
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The compliance gap shows up
in production. Not in the spec.
of fintech startups miss their first compliance audit
Most teams plan for features, not compliance. PCI-DSS and SOC 2 requirements enter the project six months late, costing three times the original estimate to retrofit.
average cost of a financial sector data breach (2023)
Encryption, tokenization, and access control are decisions you make at the architecture stage. A system not built for them cannot be patched to comply later.
average time to rebuild a legacy payment system
Payment rails built before 2015 cannot handle real-time settlement, open banking APIs, or embedded finance. The rebuild clock starts the moment you try to add those features.
"We built fast. Now we need six months to add two-factor auth because the session layer was never designed for it."
Composite quote from fintech client discovery calls
Compliance requirements enter the architecture before a single line of code is written
Payment systems sized for your year-three volume, not year-one
No surprise refactors when your auditor arrives
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Does your platform survive
a compliance audit?
Select every item your current system already handles. Your score tells you exactly where the architecture gaps are. Run this before your next compliance review, your next funding round, or your first conversation with a QSA.
Get a code audit to confirm it holds under edge-case load.
Book a Fintech Code Audit
Payment infrastructure, SaaS, mobile, modernization, APIs.
One compliance standard across all of it.
We build payment rails, gateway integrations, and reconciliation systems for platforms processing $10K to $10M per month. Stripe, Braintree, Adyen, and custom ACH/SEPA implementations are all standard scope.
We build multi-tenant financial SaaS platforms for lending portals, wealth management dashboards, insurance aggregators, and B2B spend management tools. Each client's data stays isolated from other tenants. White-label configuration ships as standard.
We build fintech apps for consumer wallets, neobank companions, investment tools, and peer-to-peer transfer platforms on iOS and Android. Biometric authentication, in-app card management, and real-time balance updates ship as standard features.
We modernize payment systems built before 2015 using a parallel-run migration strategy. New infrastructure takes on increasing transaction load while the legacy system handles the rest. There is no risky, all-at-once cutover.
We build PSD2-compliant Open Banking APIs and Plaid/MX bank account aggregation. Non-financial SaaS products use our embedded finance infrastructure to add payment capabilities without becoming a regulated entity. Full OpenAPI documentation ships with every delivery so your team can extend the API without us.
Three disconnected systems. One compliant
payment platform. $80K monthly volume growth.
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USA School System Platform
Educational Payment Platform
A large school management organization needed one financial hub to handle donations, school fees, and ecommerce. Three separate payment systems were creating reconciliation errors and leaving transaction data exposed.
School fees, donations, and ecommerce each ran on a different system. Reconciliation happened manually. There was no fraud prevention, no tokenization, and no single view of payment activity across the organization.
No unified payment layer. Manual reconciliation across 3 systems. No fraud prevention or tokenization.
in reported monthly platform growth after consolidating to one PCI-compliant payment system with Stripe and PayPal, recurring billing, and full transaction monitoring
Stripe and PayPal unified under one tokenized payment layer
Recurring subscriptions, one-time payments, and multi-transaction types handled automatically
Encryption, audit logging, and fraud scoring active from launch day
Compliance-ready fintech development means
compliance is built in first. Here is what that looks like in practice.
Most agencies add compliance after the code ships. That is when it costs the most and breaks the most. We treat PCI-DSS, SOC 2, and GDPR as architecture requirements. They are in scope before a single line of payment code is written.
| Capability | Typical agency | Redefine | Delivery stage |
|---|---|---|---|
| Security Architecture | |||
| Encryption at rest (AES-256) | Architecture sprint | ||
| Payment tokenization (no raw PANs stored) | Architecture sprint | ||
| Immutable audit logs with tamper detection | Sprint 2 | ||
| Payment Engineering | |||
| Idempotent transaction processing | Core build | ||
| Automated reconciliation with alerts on discrepancy | Sprint 3 | ||
| Fraud scoring on transaction events | Core build | ||
| Delivery Standards | |||
| Architecture documented before coding begins | Sprint 1 | ||
| Compliance audit trail in deliverables | Handoff | ||
What fintech teams ask before committing to a build partner.
Compliance standards, IP ownership, security requirements, and timelines are what fintech buyers need answered before they engage. These are the direct answers.
Scoped before work starts. A proposal requires no commitment.
A fintech discovery sprint delivers a full security architecture document and compliance requirements matrix. You see every line item before signing anything.
Select what describes your fintech project.
We are honest about fit. Fintech projects with unrealistic compliance timelines or budget constraints are the ones that fail in audit. We say so upfront.
Not sure? Tell us your situation and we will tell you directly if we are the right partner for your compliance requirements and timeline.
Building a platform that will process real payments or hold user financial data
PCI-DSS, SOC 2, and GDPR requirements must be in the architecture from day one.
Need to pass a compliance audit in the next 12 months
Architecture designed for audit means your QSA review starts with documentation, not remediation.
SaaS fintech product targeting institutional or enterprise customers
Multi-tenancy, data isolation, SOC 2, and dedicated reporting are baseline requirements for institutional procurement.
Existing payment system that needs modernization without taking the platform offline
We migrate using a parallel-run strategy. Your old system keeps running. New infrastructure takes on more traffic over time. No forced cutover.
Probably not the right match if:
You need a payment integration added to an existing ecommerce site in under 2 weeks
Shopify and WooCommerce have pre-built integrations that are faster and cheaper for this scope.
Total project budget under $15,000
A production-ready compliant financial platform requires real architecture time. We cannot compress below the minimum.
Tell us what you are building. We deliver a scoped, compliance-ready proposal in 3 days.
No commitment. No pitch. You get a full proposal with compliance requirements and line-item pricing within 3 business days of submitting your brief.
Submit your brief — 3 minutes
Describe the platform, the compliance requirements, and what is broken or blocked right now.
Technical call within 48 hours
You speak with a fintech architect. We ask about payment volume, compliance requirements, and what systems need to integrate.
Scoped proposal in 3 days
Architecture approach, compliance requirements matrix, sprint plan, and line-item pricing — before you commit to anything.
Sprint 1 starts within 1 week of sign-off
The first sprint covers security architecture and the payment data design. No code is written before the architecture is approved.