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Fintech

Fintech software where the numbers always add up.

Payment flows, ledgers, onboarding and dashboards built for an environment where a rounding error is an incident and every action needs a paper trail.

Fintech
A customer tapping a phone on a card reader to pay
Fintech

In finance, trust is the feature.

Users forgive a clumsy interface before they forgive a balance that is wrong or a payment that vanished. Financial products are judged on correctness first and everything else second.

We design for that order of priorities: money handled as integers in an append-only ledger, idempotent operations, reconciliation as a first-class feature, and a clear answer to who did what and when.

  1. Money that does not reconcile

    Balances calculated on the fly from mutable records, with discrepancies found at month end.

  2. Onboarding that loses customers

    Identity checks that take days, ask for the same document twice and give no status in between.

  3. Fragile payment integrations

    Webhooks dropped, retries double-charging, and failures surfaced by the customer rather than an alert.

  4. Audits that take weeks

    No reliable record of changes, so every regulator or partner request becomes a forensic exercise.

Solutions

What we build for fintech.

01

Payments and billing

Money movement that is safe to retry and easy to reconcile.

  • Card, bank and wallet payments
  • Subscriptions and usage billing
  • Payouts and marketplace splits
  • Idempotent, retry-safe operations
  • Automated reconciliation
  • Dispute and refund handling
02

Onboarding and identity

Verification flows that satisfy compliance without bleeding conversions.

  • KYC and KYB provider integration
  • Document and liveness capture
  • Risk scoring and manual review queues
  • Sanctions and PEP screening hooks
  • Progress saving and status updates
  • Case history for reviewers
03

Ledgers and finance dashboards

A single source of truth for balances, with the reporting on top.

  • Double-entry, append-only ledger
  • Multi-currency support
  • Statements and exports
  • Role-based approvals
  • Real-time balance views
  • Accounting system sync

Built in, not bolted on

Security and regulatory readiness

We build in line with PCI DSS, SOC 2 and open-banking expectations and work alongside your compliance team and auditors. Licensing and regulatory sign-off remain yours.

  1. Keep card data out of scope

    Tokenised payments through certified processors so raw card numbers never touch your servers.

  2. Every action attributable

    Immutable audit logs for money movement, permission changes and administrative access.

  3. Defence in depth

    Secrets management, least-privilege roles, network isolation and dependency scanning in the pipeline.

  4. Tested failure paths

    Timeouts, duplicate webhooks and partial failures exercised in tests, not discovered in production.

Services

The services behind it.

A laptop showing a dark analytics dashboard with charts

SaaS Development

Multi-tenant products with billing, roles and onboarding built in from the first sprint, not bolted on before launch.

Next.js · TypeScript · PostgreSQL · Stripe

Colour-highlighted web code on a dark screen

Full-Stack Web Development

Marketing sites, dashboards and web apps built on a modern stack that stays fast as the feature list grows.

Next.js · TypeScript · Node.js · PostgreSQL

A hand holding a phone running an app, in front of a laptop showing its other screens

Mobile App Development

iOS and Android apps that feel native, pass review the first time and hold up once real users arrive.

React Native · Expo · Flutter · Swift

Network cables plugged into a numbered patch panel

DevOps & Cloud

Pipelines, infrastructure and monitoring that let a small team release daily without anyone holding their breath.

AWS · Terraform · Docker · Kubernetes

FAQ

Fintech: common questions.

Which payment providers do you work with?

Most often Stripe, alongside Adyen, Paddle, Plaid and regional processors. The choice depends on your markets, payment methods and fee structure, and we set that out in discovery.

Do you handle PCI compliance?

We architect so that card data is handled by a certified processor, which keeps your own compliance burden as small as possible. We support your self-assessment with documentation of the architecture.

Can you build a ledger from scratch?

Yes. For anything holding customer balances we recommend a double-entry, append-only ledger and have a clear view of when to build one versus adopting an existing ledger service.

Do you advise on licensing and regulation?

No. That needs a regulatory specialist. We work closely with yours and translate their requirements into software that can demonstrate it meets them.

Next step

Have something that needs building?

Tell us the problem in a few sentences. We will reply within one business day with an honest read on scope, cost and whether we are the right team for it.