Services

Core fintech backend capabilities: from wallet ledgers to reconciliation and compliance.

Wallet & Ledger Systems

Problem

Fintech products need accurate, auditable balances across currencies and entities. Ad-hoc balance tables and single-entry bookkeeping lead to inconsistencies, reconciliation nightmares, and audit failures.

Our Approach

We design double-entry ledger systems with immutable transaction journals, balance snapshots, and multi-tenant isolation. We model debits/credits, currency handling, and hold/release flows so balances are always consistent and traceable.

Business Outcome

Single source of truth for balances, audit-ready transaction history, and a foundation that scales to multiple products and currencies without re-architecting.

Payment Gateway Integration Layer

Problem

Multiple gateways, banks, and card networks mean duplicated logic, inconsistent retries, and no clear path to switch or add providers. Integration code often lives in application logic instead of a dedicated layer.

Our Approach

We design a gateway-agnostic orchestration layer: single API for your product, internal routing and fallback, idempotent request handling, and unified webhook/async handling. Gateways become pluggable adapters.

Business Outcome

Faster integration of new providers, consistent retry and error handling, and the ability to A/B test or fail over without touching product code.

Event-Driven Architecture (Kafka)

Problem

Monolithic or request-response-only backends don't scale for real-time balance updates, notifications, fraud checks, and reporting. Tight coupling makes it hard to add new consumers or replay history.

Our Approach

We design event-driven backbones using Kafka (or equivalent): domain events for transactions and state changes, consumer groups for scaling, and event sourcing where auditability is critical. We keep schemas versioned and evolution-friendly.

Business Outcome

Decoupled services, real-time downstream processing, and the ability to add new features (e.g. notifications, analytics) without changing core flows.

Idempotent Transaction Systems

Problem

Network retries and duplicate submissions can create double charges or double credits. Many systems rely on hope or brittle checks instead of first-class idempotency.

Our Approach

We bake idempotency into the design: idempotency keys at the API boundary, deterministic processing, and idempotent ledger entries. We document key lifecycle and storage so your team can implement consistently.

Business Outcome

Safe retries, no duplicate financial operations, and confidence when integrating with partners and mobile clients that retry aggressively.

Reconciliation & Settlement Engines

Problem

Money in vs. money out must match. Manual reconciliation doesn't scale; ad-hoc scripts break when formats or partners change. Settlement deadlines and exceptions need clear workflows.

Our Approach

We design reconciliation pipelines: automated matching of internal records to bank/gateway statements, exception queues, and settlement workflows. We define data models and matching rules so the process is repeatable and auditable.

Business Outcome

Faster close cycles, fewer manual interventions, and clear audit trails for disputes and regulator inquiries.

Fraud & Risk Data Pipelines

Problem

Fraud and risk decisions need timely, consistent data. Point-in-time snapshots or batch-only pipelines leave gaps; scattered logic makes it hard to tune rules and models.

Our Approach

We design pipelines that feed fraud and risk systems: event streams for real-time signals, unified identity and device context, and clear boundaries between data pipeline and decision logic. We keep schema and latency requirements explicit.

Business Outcome

Better signal quality for rules and ML models, faster iteration on fraud strategies, and a data foundation that scales as you add channels and products.

Compliance-Aware Logging & Audit Trails

Problem

Regulators and auditors need to see who did what, when, and on what data. Logs that can be altered or lack context create compliance risk and slow down audits.

Our Approach

We design logging and audit from the start: immutable, append-only audit logs; structured events with actor, resource, and timestamp; and retention and access controls that match compliance needs. We avoid logging PII in plain text where possible.

Business Outcome

Faster audits, fewer findings, and a clear story for regulators. Your engineering team has a single pattern for auditability across services.