Do you build PCI-DSS compliant applications?

Yes. We architect systems to minimize PCI scope by using tokenized payment flows through certified processors like Stripe or Adyen, ensuring your platform never directly handles raw card data.

Can you integrate with open banking APIs?

We integrate with Plaid, MX, Yodlee, and direct bank APIs for account linking, balance checks, transaction history, and identity verification.

How do you handle KYC/AML requirements?

We integrate with identity verification providers like Alloy, Persona, or Jumio to automate KYC checks and build rule-based AML screening into onboarding flows.

Build Secure Financial Software at Startup Speed

Payment processing, lending platforms, and banking integrations delivered by vetted engineers and managed by AI to keep your burn rate low.

Industry: Fintech

Pain Points

Regulatory Complexity Across Jurisdictions: Financial applications must comply with PCI-DSS, KYC/AML regulations, state money transmitter licenses, and evolving open banking standards like PSD2.
Security Under Constant Scrutiny: Fintech apps are high-value targets. A single data breach can erode consumer trust overnight and trigger regulatory enforcement actions.
Third-Party API Reliability: Dependence on Plaid, Stripe, Dwolla, or banking core APIs means your uptime is only as good as your weakest integration and your retry logic.

Solutions

Payment Processing Platforms: Custom payment flows with multi-PSP failover, split payments, recurring billing, and real-time transaction monitoring built on PCI-compliant architecture.
- Stripe and Adyen integration
- PCI-DSS Level 1 architecture
- Split payment and escrow logic
- Real-time fraud scoring
- Webhook-driven reconciliation
Lending and Credit Platforms: End-to-end loan origination systems with automated underwriting, credit scoring integrations, document verification, and servicing dashboards.
- Automated credit decisioning
- Plaid income and asset verification
- E-signature document workflows
- Loan servicing and payment tracking

Use Cases

Neobank Account and Card MVP — A mobile-first banking interface with virtual card issuance, transaction feed, P2P transfers, and push notifications via a BaaS provider like Unit or Treasury Prime. (200-250, $400-$500, 10-12 weeks)
Invoice Factoring Platform — A marketplace connecting SMBs with factoring companies, featuring invoice upload, risk scoring, offer management, and ACH settlement. (140-200, $280-$400, 7-9 weeks)
Expense Management Tool — A corporate card expense tracker with receipt OCR, policy enforcement, approval workflows, and accounting software sync. (80-130, $160-$260, 5-7 weeks)

Compliance Notes

PCI-DSS Level 1 for card data handling
BSA/AML and KYC regulations
State money transmitter licensing considerations
SOC 2 Type II for data security assurance

Frequently Asked Questions

Do you build PCI-DSS compliant applications?: Yes. We architect systems to minimize PCI scope by using tokenized payment flows through certified processors like Stripe or Adyen, ensuring your platform never directly handles raw card data.
Can you integrate with open banking APIs?: We integrate with Plaid, MX, Yodlee, and direct bank APIs for account linking, balance checks, transaction history, and identity verification.
How do you handle KYC/AML requirements?: We integrate with identity verification providers like Alloy, Persona, or Jumio to automate KYC checks and build rule-based AML screening into onboarding flows.