Service 05 · Payments · KYC · Ledgers
Fintech features, with the compliance details done.
Payments, onboarding with KYC, ledgers and reporting built into your product, with audit trails and the edge cases a regulator asks about.
01 — What's included
Where the money moves, and the paper trail behind it.
One feature or the whole stack, in a product you already run or one we build.
02 — What makes fintech different
Money is a test with no partial credit.
A normal feature that fails once a thousand times is fine. A payment that fails once a thousand times is a support queue and a chargeback.
So every money operation is idempotent and can be retried safely. Every balance comes from a ledger, not a column. Every day, the ledger is reconciled against the provider and the difference is zero or someone is paged.
The compliance questions are known in advance. We answer them in the design, not in the audit.
Idempotent
Every money operation can be retried without double-charging
Reconciled
Ledger matches the provider, every day, automatically
Auditable
Every change has an author, a time and a reason
Reviewed
Security review before launch, third-party pen test if required
03 — How it runs
What you get, week by week.
Week 1
Scope and providers
You get: the money flows drawn, providers chosen, the compliance question list.
Weeks 2–8
Build in sandbox
You get: payments, ledger and KYC working against provider sandboxes, with tests.
Weeks 9–12
Harden
You get: reconciliation, fraud rules, a security review and monitoring.
Go live
Release
You get: the provider go-live checklist done, production on, alerts to your team.
04 — Pricing
Fixed scope
For a defined set of flows: for example cards plus payouts plus statements. Price and date in writing.
Dedicated team
Senior engineers who have done this before, on your product, monthly.
05 — Questions
About fintech projects.
Stripe, Adyen and the local acquirers your market needs. If you already have a provider, we build on it.
We design so card data never touches your servers: provider-hosted fields and tokenisation. That keeps you in the lightest PCI scope.
Yes, with your compliance officer or an external one. We do not give legal advice; we build what the advice requires.
Talk to us
Tell us where the money moves. We map the flows on the call.
Thirty minutes with whoever owns the product and whoever owns compliance. You leave with the flows drawn and the open questions listed.