Financial Services Software Development | Payments, Ledgers & KYC

overview

We build software for banks, payment companies, wealth and insurance platforms — and for teams whose product happens to move money and now needs to survive an audit.

Double-entry ledgers, idempotent payment flows, reconciliation, KYC/AML orchestration and hardened operational tooling: the parts that quietly decide whether a fintech product scales or leaks.

Financial systems fail on edge cases: a duplicate webhook, a partial refund, a timezone boundary at month end. We model those states explicitly and prove the behaviour with reconciliation harnesses and property-based tests before launch.

Ledger modelDouble-entry

Payment operationsIdempotent + reconciled

Security posturePCI-DSS aligned

Reconciliation coverage100% of flows

Payment success rate upliftMeasured & tuned

Audit findings on delivered systemsClean track record

what's included

Payments & ledgers

Double-entry ledger design, PSP integrations, payouts, reconciliation and dispute handling.

Onboarding, KYC & AML

Identity verification, screening, risk scoring and case-management workflows.

Customer & advisor platforms

Banking, wealth and insurance portals, plus internal operations consoles.

Trading & data interfaces

Low-latency dashboards, market data pipelines and reporting.

Digital assets

Custody integrations, on-chain settlement and smart-contract work where it genuinely adds value.

Risk & fraud tooling

Rules engines, ML scoring and analyst workbenches with full decision audit trails.

where it's applied

Typical financial services engagements

Embedded payments

Accepting, splitting and paying out money inside your existing product.

Ledger replacement

Migrating from spreadsheet-and-database accounting to an auditable ledger.

Compliant onboarding

KYC/KYB, sanctions screening and risk scoring with analyst review queues.

Operations consoles

Internal tooling for refunds, disputes, reconciliation and support with strict permissions.

Tokenised assets

Custody, settlement and reporting where on-chain infrastructure earns its place.

Fraud & risk scoring

Real-time rules and ML scoring with analyst workbenches and full audit trails.

why teams pick us

Correctness first

Property-based tests and reconciliation harnesses prove the money maths, every release.

Audit-ready by construction

Immutable logs, segregation of duties and evidence your auditors can read.

Scope-reducing security

We architect card and PII flows to keep you out of the riskiest compliance scope.

Pragmatic on blockchain

We use it where it adds value and say so plainly when a database is the better answer.

Fintech-specific delivery experience

Teams who have shipped ledgers, PSP integrations and KYC flows before, not for the first time.

Load-tested for peak

Payment and trading systems proven under realistic peak-volume scenarios.

tooling

Core

TypeScriptJavaGoPostgreSQLKafkaKubernetes

Payments

StripeAdyenSEPAACHOpen Banking3-D Secure

Compliance

PCI-DSSKYC/AMLSOC 2 readinessGDPRAudit logging

Digital assets

EVM chainsSolidityCustody APIsOn-chain settlement

Risk & fraud

Rules enginesML scoringSanctions screeningCase management

Data & reporting

SnowflakedbtLookerRegulatory reporting

industries served

Banking
Payments & fintech
Wealth management
Insurance
Digital assets

how we run it

01
Money-flow modelling
Every flow, state and failure mode written down before implementation.
02
Controls & architecture
Ledger, audit logging, segregation of duties and compliance requirements designed in.
03
Build & prove
Property-based tests, reconciliation harnesses and load testing against peak scenarios.
04
Launch & operate
Runbooks, alerting, ops tooling and support for audits and certifications.
05
Reconcile & monitor
Continuous reconciliation and anomaly alerting once live.
06
Scale & certify
Capacity growth alongside audits, certifications and new product lines.

questions we get asked

Do you still do blockchain?

Yes, as one tool inside financial infrastructure — custody, settlement, tokenised assets — not as a headline. If a database is the right answer, we'll say so.