FinTech Development that passes regulator review.
FinTech development means engineering inside compliance, not around it. We build bank-grade digital wallets, payment platforms, banking apps, KYC/AML systems, and lending platforms — designed to pass PCI-DSS audit, Basel III model risk review, and central bank scrutiny. Live deployments at StcPay (5M+ tx/month), Bank Respublika, PerfectPay, FirstData USA.
Most FinTech vendors lose at compliance. We're built to clear it.
FinTech development isn't a stack choice — it's a compliance discipline. We've engineered production systems under SAMA, CBB, NYDFS, OCC, FCA, and PRA scrutiny. The discipline transfers across jurisdictions.
Architecture for regulator
Frozen prompts, structured outputs, immutable audit trails. Designed to pass model risk review at Basel III / NYDFS tier.
Cards, payments, wallets
PCI-DSS-compliant architecture. Tokenization, encryption at rest + in transit, network segmentation, key management.
Automated + audit-grade
Customer due diligence, AML monitoring, SAR filing. IDP + agentic workflow. Audit-ready.
Production-tested
Frozen prompt, scoped RAG, structured output, immutable audit. The architecture we've published in our Basel III brief.
Eight FinTech shapes. All in production.
Consumer + B2B
StcPay, PerfectPay. Wallet, P2P, card management, contactless. Biometric auth. PCI-DSS-compliant.
Card · ACH · real-time
Card processing, ACH, real-time payments (FedNow, Faster Payments, SARIE). Multi-region.
Modern banking platform
Account management, transaction ledger, statements, regulatory reporting. Cloud-native architecture.
Onboarding + monitoring
Customer onboarding, ongoing monitoring, transaction screening, SAR filing. Automated + analyst-supervised.
Underwriting + servicing
Credit scoring, underwriting automation, loan origination, servicing, collections. ML-augmented.
Portfolio + research
Portfolio management, trading interfaces, alternative data integration, agentic research.
Proof. Not pitch decks.
StcPay — bank-grade FinTech super-app.
Digital wallet, biometric auth, P2P transfers, card management, contactless payments. 5M+ monthly transactions. 99.99% uptime. PCI-DSS-certified. CBB-compliant. AR/EN bilingual. Reference deployment for GCC FinTech category.
BLOG · 11 min readAI in FinTech After Basel III
What model risk teams actually look for. Architectural patterns that pass review.
CASE · BANKBank Respublika
Banking platform engagement. Core banking modernization. Digital channels. Regulatory reporting.
Questions buyers actually ask.
Do you sign DPA / BAA / SOC 2-equivalent agreements?
Yes. Wyoming C-Corp enables standard US enterprise legal infrastructure. We're comfortable with first-look enterprise MSAs, custom DPAs for EU/GDPR, BAAs where applicable, and standard SOC 2 attestation requests.
How do you handle PCI-DSS scope?
Scope reduction first. Tokenization, segmentation, hosted payment pages. Then quarterly ASV scans, annual penetration testing, formal SAQ (or RoC if required).
Can you pass NYDFS / FCA / SAMA / CBB review?
Architecturally yes — we've shipped under all four regimes. The model risk and cybersecurity controls translate across jurisdictions with localization.
How fast can a FinTech MVP launch?
Native MVP for a digital wallet or payment app: 12-20 weeks with full compliance posture. Faster (8-12 weeks) for non-money-movement features (KYC, account opening, internal tools).
Scope a FinTech build with the regulated team.
30-min call with the founder + senior FinTech architect. Bring the regulatory regime. We'll come back with a feasible architecture and timeline.