Do we need our own ledger if a payment provider has one?

Usually yes once your product holds balances, splits funds, charges fees, uses more than one provider, or needs a durable customer position independent of a vendor. Provider reports describe what happened inside that provider; they do not model your full obligations. Your ledger becomes the product's financial source of truth, while reconciliation proves it agrees with each external rail.

Can you help us become a bank or obtain a financial license?

We build the technology and operational evidence that a regulated product needs, but legal classification, licensing, and regulatory representation belong to qualified counsel and your compliance leadership. Many products launch through sponsor banks, licensed payment institutions, or embedded-finance providers first. We design the architecture so provider responsibilities and your own controls are explicit.

How do you prevent duplicate payments?

An idempotency key identifies the customer's intent independently of a network request. We persist that intent before calling a provider, accept repeated requests and webhooks without creating new movement, and drive changes through a constrained state machine. Ledger postings are tied to unique business events, so a retry cannot silently post twice.

How do you handle PCI and sensitive financial data?

The first strategy is data minimization: tokenize card data through a compliant provider and keep it out of your systems wherever possible. For data you must hold, we define scope, access, encryption, key management, retention, logging, and incident procedures against the applicable standard. We support your assessor and produce evidence, but do not claim certification on their behalf.

Can you integrate with our bank, processor, or KYC provider?

Yes. We isolate each provider behind a versioned adapter, retain raw signed events, normalize them into your domain model, and add replay-safe processing plus operational visibility. That makes a future provider change a bounded integration project rather than a rewrite of balances, onboarding, and customer-facing status.

Fintech Development

We build financial products where every balance can be explained and every money movement can be traced. From double-entry ledgers and payment orchestration to lending workflows, reconciliation, and compliance tooling, we design the controls into the transaction path instead of adding them after launch.

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If the balance is right, you should be able to prove why

Financial software is not a collection of payment API calls. Money can be authorized, captured, reversed, disputed, settled, held, or returned on different clocks, while customers and operations still expect one answer to a simple question: where is it now?

We design the ledger and control model before the screens. Every external event is idempotent, every balance comes from balanced entries, and every provider total reconciles to an internal position that an operator can investigate without asking an engineer.

Double-entry

Every value movement has an equal source and destination

Idempotent

Retries never create a second payment or payout

Daily

Provider, bank, and ledger positions reconcile automatically

Traceable

Every balance links back to events and approvals

What's included

Payment, ledger, lending, and money-movement software built around correctness, traceability, and compliance.

Double-entry ledger & balance architecture

Payment orchestration, payouts & treasury workflows

Card issuing, wallets & embedded finance

Lending, underwriting & servicing platforms

KYC, KYB, AML & transaction monitoring

Reconciliation, reporting & audit evidence

Four controls that make financial software explainable

Speed matters, but correctness is the feature that lets a fintech keep moving after volume and regulation arrive.

Model the money first

We define accounts, entries, states, and ownership before UI flows. Product behavior then follows one financial model instead of inventing balances in each service.

Treat every event as repeatable

Network timeouts and duplicate webhooks are normal. Idempotency keys, state machines, and immutable event history make retries safe rather than financially exciting.

Reconcile continuously

Internal books, processors, and bank statements are compared automatically. Breaks become assigned cases with evidence, not a spreadsheet discovered at month-end.

Put controls in the path

Limits, approvals, sanctions checks, and evidence capture happen before movement, with clear reasons and escalation paths when a transaction is held.

The transaction core and the operations around it

Six connected areas that cover the path from a customer's instruction to settled, reconciled, and reportable money.

Balanced posting

Every movement creates equal debits and credits, so a balance always has a reproducible explanation.

Continuous reconciliation

Ledger and provider events match automatically; anything unexplained becomes an owned operational case.

Risk in the transaction path

Limits and monitoring decide whether to approve, hold, or escalate before value leaves the system.

Ledgers & financial cores

Double-entry systems that separate pending, available, and settled positions while preserving an immutable explanation for every balance.

Account, journal, and posting-rule design
Pending, available, and settled balances
Corrections through compensating entries

Payments & payouts

Orchestration across cards, bank rails, wallets, and local methods, with retries, routing, fees, refunds, and disputes treated as first-class states.

Payment intent and payout state machines
Provider routing and graceful failover
Refund, dispute, and chargeback workflows

Cards & embedded finance

Issuing, funding, spend controls, and transaction lifecycle tooling connected to a ledger your team controls and can explain.

Cardholder, wallet, and funding flows
Real-time authorization and spend controls
Program, processor, and sponsor-bank integration

Lending & servicing

Origination through payoff: applications, decisioning, schedules, accruals, disbursement, collections, and the exception queues operators need.

Application and underwriting workflows
Schedules, interest, fees, and adjustments
Servicing, delinquency, and collections tools

Compliance operations

Identity, business verification, transaction monitoring, and case management designed as one evidence trail instead of disconnected vendor dashboards.

KYC, KYB, sanctions, and PEP integrations
Rules, alerts, and investigator case queues
Consent, retention, and audit evidence

Reconciliation & reporting

Automated matching across ledger, processor, and bank positions, with breaks routed to owners and finance-ready evidence retained.

Multi-source matching and tolerance rules
Break queues, aging, and ownership
Settlement, treasury, and regulatory reporting

From a money-flow map to controlled production movement

A first regulated workflow typically reaches production in ten to sixteen weeks, depending on provider onboarding and compliance review.

Stage 01

2 weeks

Money & control mapping

We trace value, data, ownership, approvals, and external parties across happy paths and reversals, then define the financial source of truth.

Money-flow and state-transition map
Ledger and balance specification
Control and provider responsibility matrix

Stage 02

3–4 weeks

Core transaction slice

One movement runs end to end through API, provider sandbox, immutable event history, ledger postings, and an operator-visible status.

Versioned transaction API
Balanced ledger posting path
Sandbox provider and webhook integration

Stage 03

4–6 weeks

Controls & operations

Limits, identity checks, approval paths, reconciliation, and exception queues make the workflow operable beyond a controlled demo.

Compliance and approval controls
Reconciliation and break management
Operations console with audit history

Stage 04

2–4 weeks

Certification & launch

Provider certification, failure drills, access review, and staged limits precede launch, followed by daily control and reconciliation checks.

Certification and launch evidence
Failure, rollback, and incident runbooks
Dashboards for money, risk, and operations

Outcomes we optimize for

Balances derived from immutable, balanced entries rather than mutable totals

Retries, reversals, and provider failures that cannot duplicate money movement

Automated reconciliation with every break assigned and explainable

Controls and evidence that support compliance review without slowing every release

What we build it with

The tools we reach for on Fintech work, picked for the problem in front of us and for the team who inherits the code.

Core services

Correctness under concurrency, first and last

TypeScript
Go
Kotlin
PostgreSQL

Money movement

Rails, reconciliation and the awkward edge cases

Stripe
Adyen
Plaid
Wise

Events and workflow

Long-running processes that must not lose a step

Apache Kafka
Temporal
Redis
Snowflake

Controls and platform

Evidence for auditors, generated not assembled

AWS
Vault
Datadog
Snyk

Questions we get in the first call

Usually yes once your product holds balances, splits funds, charges fees, uses more than one provider, or needs a durable customer position independent of a vendor. Provider reports describe what happened inside that provider; they do not model your full obligations. Your ledger becomes the product's financial source of truth, while reconciliation proves it agrees with each external rail.

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Let's build something that lasts

Tell us about your project and we'll get back to you within 12 hours with next steps.

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