Industry: Fintech
Banking grade fintech, engineered on your infrastructure.
Payment platforms, cross border rails, card issuing, ledger and treasury, KYC/AML, and fraud: engineered by the team behind RYVYL’s $43.5M NASDAQ IPO, VeloTech, NEMS, MonerePay, and QuickCard.
Why fintech leaders choose us
Why fintech leaders trust us with banking grade infrastructure.
Multi rail by default, not by afterthought
ACH, SEPA, Wire, Faster Payments, Pix, SPEI, FedNow, and crypto: one orchestration layer, one ledger. New rails and new markets are config changes, not rebuilds.
Compliance is architecture, not a bolt on
PCI DSS scope minimization, SOC 2 Type II, KYC/AML, sanctions screening, and tamper evident audit trails built into the stack: so audit is a document review, not a rebuild.
Sponsor bank and network agnostic
BIN agnostic card issuing, portable acquirer integrations, and clean abstractions across payment networks: you keep the ability to switch partners without a platform rewrite.
Fixed 6 week pilots, outcomes in writing
Pilots start narrow: one rail live, one product surface, agreed target metrics. If we miss, the pilot is free. If we hit, scope expands with the same team.
Built by the team behind RYVYL, VeloTech, NEMS, MonerePay
Real production platforms (including a $43.5M NASDAQ IPO) not slide ware. Every architecture pattern we sell is one we've shipped and operated.
Fintech capabilities
Nine pillars of fintech engineering, one banking grade stack.
From payment platforms and cross border rails to card issuing, ledger and treasury, KYC/AML, fraud, embedded finance, core banking overlays, and crypto infrastructure: the engineering that ships payment products that pass audit and scale across markets.
Payment Platforms & Orchestration
Multi rail payment platforms, engineered on banking grade infrastructure.
One API across ACH, SEPA, Wire, Faster Payments, Pix, SPEI, and crypto: with double entry ledger, permissioned settlement, and reconciliation out of the box.
ExploreCross Border & Multi Currency
Cross border payments across local rails, not just SWIFT.
Local rail connectivity across 10+ countries and 30+ currencies (Pix, SPEI, SEPA Instant, Faster Payments, ACH) with FX, treasury, and real time settlement built in.
ExploreCard Issuing & Program Management
Card issuing on your brand, on banking grade rails.
Virtual and physical card issuing, program management, real time authorization, and spend controls: deployed as a white label capability inside your own product.
ExploreLedger, Treasury & Reconciliation
The ledger, treasury, and reconciliation that keep your money truthful.
Double entry ledgers, permissioned settlement, automated reconciliation, and real time treasury dashboards: the accounting backbone every payment platform and card program needs to pass audit.
ExploreKYC / AML & Sanctions Screening
KYC, AML, and sanctions screening: compliance that scales with you.
Onboarding, ongoing monitoring, sanctions screening, and adverse media checks with a defensible evidence trail behind every decision: designed to meet BSA, PSD2, and regional obligations.
ExploreFraud Detection & AI Risk
Real time fraud detection with explainable AI risk.
Real time fraud scoring, graph based network analysis, and behavioral models that cut losses without smothering good customers: every decline explained, every model auditable.
ExploreEmbedded Finance
Embedded finance: banking inside your product.
White label payments, wallets, virtual cards, and issuer accounts that any SaaS, marketplace, or platform can offer its customers: under your brand, on infrastructure you own.
ExploreCore Banking Modernization
Core banking modernization: new rails on old cores.
Overlay modern payment rails, APIs, and compliance systems on your existing core banking system (FIS, Fiserv, Jack Henry, Temenos, or custom) without a rip and replace program.
ExploreCrypto & Digital Assets
Crypto rails and digital asset infrastructure: engineered to bank standards.
Crypto as a first class payment rail, tokenized settlement, and digital asset custody integration: built with the same audit trail, compliance controls, and operational rigor as the fiat side of your platform.
ExploreRelated solutions
Existing services that plug into the fintech stack.
Agentic Banking
AI agents that plan, reason, and execute real banking transactions: grounded in your systems of record, validated against policy, and logged for audit.
Visit serviceFintech AI Engineering
AI native engineering for banks and fintechs: from grounded copilots to real time decisioning on the payment path.
Visit servicePayments & Compliance Automation
Automate the compliance workflows around payments: evidence trails, reporting, and reconciliation your auditor can accept.
Visit serviceEnterprise · Financial services
Graph powered solutions for financial services.
We build on Neo4j, a graph platform used across financial services for fraud detection, AML, and risk management.
Fraud detection
Shared device and IP clustering surfaces fraud rings relational queries miss.
Ship faster
A graph model bends to new product lines without a schema migration.
AML investigations
Relationship driven link analysis across accounts, shell companies, and layering chains.
Customer 360
One unified view across every account, channel, and product line.
Graph based fraud and AML analysis is a widely documented pattern across financial services generally. This describes what the technology does, not a specific vendor's customer list.
See how we help fintechs launch fasterFintech outcomes
Fintech outcomes we’ve delivered.
Real production platforms with publicly attributable results: plus additional engagements under NDA. Every metric traces to shipped work.
$43.5M
NASDAQ IPO
RYVYL: payment platform to public markets
Formerly GreenBox POS. Multi currency acquiring, real time settlement, and treasury dashboards: engineered to a $43.5M NASDAQ IPO in 2021.
$2.4M+
processed · 30+ currencies
VeloTech: AI native financial infrastructure
One API for payments, wallets, compliance, treasury, and FX: under partners' own brand, across 10+ countries and 30+ currencies.
Powered by Chase
4 to 40 bps saved
MonerePay: payment processing for mid tier & enterprise
Customized merchant account solutions powered by Chase. Registered ISO of First Federal Bank of Florida: enterprise clients save 4 to 40 basis points over competitors' rates.
$3.1B
processed annually
QuickCard: cashless checkout + batch settlement
One platform for funds, withdrawals, sales, and reconciliation: cashless checkout for customers, batch settlement for the business.
Multi currency
permissioned ledger
NEMS: global multi currency platform
Two sided merchant management, permissioned blockchain ledger, and treasury dashboards for a global payments environment.
Compliance & regulatory experience
Built for the world’s most regulated industry.
PCI DSS ready
Architecture designed to support PCI DSS with scope minimization: tokenization, key management, and VPC/on prem deployment keep PCI scope inside your boundary.
SOC 2 Type II audited
Independently audited controls across security, availability, and confidentiality: the attestation your enterprise procurement team asks for.
ISO 27001
Information security management aligned to ISO 27001 controls, with evidence packs your ISO auditor can use.
KYC · AML · BSA
Onboarding, monitoring, and reporting engineered against BSA/AML obligations: with sanctions screening and adverse media checks that pass regulator review.
PSD2 / SCA · Open Banking
Strong customer authentication (SCA) flows, Open Banking API patterns, and PSD2 compliant consent handling for European deployments.
Sponsor bank & network agnostic
BIN agnostic card issuing, portable acquirer relationships, and clean abstractions across Visa, Mastercard, and regional networks.
Data residency by region
Region locked deployment for GDPR, LGPD (Brazil), and other data residency regimes: with a shared orchestration plane across regions.
FAQ
Frequently asked questions.
What is a payment orchestration layer, and why do we need one?
A payment orchestration layer is the single interface that routes transactions across multiple payment rails: ACH, SEPA, Wire, Faster Payments, Pix, SPEI, crypto. Without one, each new rail is a bespoke integration and each new market rebuilds the payment stack. With one, adding a rail is a config change and the ledger stays consistent.
What payment rails do you integrate with?
ACH, Wire, SEPA (Credit Transfer & Instant), Faster Payments (UK), Pix (Brazil), SPEI (Mexico), FedNow, RTP, and crypto rails: plus card acquiring through the major processors. One orchestration layer, so you can add or switch rails without changing your application.
Is your platform PCI DSS, SOC 2, and ISO 27001 compliant?
Our systems are engineered to support PCI DSS, SOC 2 Type II, and ISO 27001 controls, with scope minimization and audit ready evidence. The platform is SOC 2 Type II audited; the PCI attestation is issued against your deployment with your QSA, and we build to make that certification straightforward.
How long does a fintech platform take to ship?
Weeks, not quarters. A first rail live typically ships in 4 to 6 weeks. Full production multi rail platforms with ledger, reconciliation, and treasury dashboards in 12 to 16 weeks. We've delivered banking grade platforms for RYVYL, VeloTech, NEMS, and MonerePay at this pace.
What's the difference between building your own platform vs. using a BaaS partner?
BaaS gets you to market fastest but limits differentiation and locks you into a partner's economics, feature roadmap, and regulatory posture. Building on your own infrastructure is slower up front but you keep the margin, the roadmap, and the ability to switch sponsor banks and networks. Most fintechs cross the threshold to building around $50M to $500M in transaction volume: sooner if margin is thin or the product is differentiated.
Can we work with our existing sponsor bank?
Yes. The platform is BIN agnostic and written to be sponsor bank portable: data residency, encryption, key management, and audit logs to your sponsor bank's requirements. We've worked with sponsor banks in the US, UK, EU, and LATAM.
How do you handle KYC, AML, and sanctions screening?
KYC/KYB at onboarding with UBO discovery; AML monitoring with tuned behavioral rules and models; real time sanctions screening against OFAC, EU, UN, HMT, and client specified lists with false positive reduction. Every decision carries the rule, the input data, and the reviewer sign off: the evidence pack an auditor accepts.
Enterprise · Confidential Briefing
Request a Confidential Briefing
A senior architect responds within a few hours, under mutual NDA if you prefer. You keep the $50K+ findings report either way.
- SOC 2 / HIPAA / GDPR / PCI-DSS ready architecture
- Deployed in your VPC, on your cloud
- Findings report yours to keep, no obligation
Senior architect replies within a few hours. Findings report is yours to keep, no obligation. Prefer to talk now? Call +1 (469) 947-4244.
Which lane fits you?
Explore further
Related fintech content.
Case studies
Fintech case studies
How RYVYL, VeloTech, MonerePay, QuickCard, and NEMS have shipped multi rail payment platforms, agentic banking, and compliance systems with us.
ExploreInsights
Fintech engineering insights
Long form articles on payment orchestration, cross border rails, agentic banking, KYC/AML automation, and the practical mechanics of banking grade fintech.
ExploreFull offering
The complete fintech engineering offering
The flagship page: payment platforms and agentic banking suites, three delivery pillars, live platform metrics, and the six week pilot pattern in depth.
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