Finance & Fintech software
Built to survive an audit,not just a demo.
Lending, payments and KYC systems designed around RBI expectations, data localisation and full auditability.
What we hear
The problems that actually come up.
Onboarding drops off
KYC takes too long and too many steps, so applicants abandon before completion.
Manual underwriting
Credit decisions depend on individuals reading documents, which caps volume and varies by assessor.
Reconciliation burden
Gateway settlements, bank statements and the ledger disagree, and someone spends days matching them.
Audit exposure
Regulators want to see who did what and when, and the systems weren't built to answer that.
Data localisation
RBI requires payment data to stay in India, which rules out several convenient architectures.
What we build
Systems built for finance & fintech.
Digital onboarding
Aadhaar eKYC, video KYC, document capture and liveness checks.
Loan origination
Application, credit bureau pull, rules-based decisioning and disbursal.
Collections
Repayment schedules, auto-debit mandates, reminders and delinquency tracking.
Payments
UPI, cards and net banking with reconciliation that actually reconciles.
Risk & fraud
Anomaly detection on transaction patterns and device signals.
Regulatory reporting
Structured data and audit trails that make returns generable.
Compliance
We know your list before you send it.
We build to these requirements from the start. Retrofitting compliance costs more than designing for it.
We're engineers, not regulatory counsel — your legal team signs off. Our job is to make sure the architecture never makes compliance impossible.
- RBI guidelines
- Digital lending, outsourcing and data localisation requirements.
- PCI-DSS
- Card data handling — usually best avoided entirely via tokenisation.
- KYC / AML
- Customer due diligence, risk categorisation and suspicious transaction handling.
- DPDP Act 2023
- Consent, purpose limitation and data principal rights.
- Data localisation
- Payment system data stored within India.
Integrations
The systems you already run.
- UPI / NPCI
- Aadhaar eKYC
- Credit bureaus (CIBIL, Experian)
- Razorpay / Cashfree
- Account Aggregator
- Karza / Signzy
- Tally
Services
Most used in this sector.
Ready to deploy
Products already built for finance & fintech.
If one of these fits, you could be live in weeks rather than months — and we'll tell you honestly if it does.
We build to them — direct disbursal to borrower accounts, transparent pricing disclosure, cooling-off periods and grievance mechanisms. We're engineers, not compliance counsel, so your legal team signs off; we make sure the architecture doesn't make compliance impossible.
By not storing it wherever possible. Tokenisation through a PCI-DSS certified gateway keeps card data out of your systems entirely, which removes most of the compliance burden rather than managing it.
Yes, including liveness detection, geo-tagging, recording retention and the auditor-facing trail. We typically integrate a certified provider rather than building the biometric layer from scratch.
In Indian regions, for payment data mandatorily and for the rest by default. We can architect for full on-premise deployment where your policy requires it.
Talk to us
Tell us about your finance & fintech project.
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