Bank-grade · PCI-DSS · Basel III
Wallets · Payments · KYC · Lending
FinTech Development that passes regulator review.
FinTech development means engineering inside compliance, not around it. We build bank-grade digital wallets, payment platforms, banking apps, KYC/AML systems, and lending platforms — designed to pass PCI-DSS audit, Basel III model risk review, and central bank scrutiny. Live deployments at StcPay (5M+ tx/month), Bank Respublika, PerfectPay, FirstData USA.
Wyoming C-Corp · Dallas HQ · 585 engineers on tap
monthly tx · StcPay
PCI-DSS
compliant builds
platform uptime
Basel III
aware AI
Why FinTech picks us
Most FinTech vendors lose at compliance. We're built to clear it.
FinTech development isn’t a stack choice — it’s a compliance discipline. We’ve engineered production systems under SAMA, CBB, NYDFS, OCC, FCA, and PRA scrutiny. The discipline transfers across jurisdictions.
01 / BANK-GRADE
Architecture for regulator
Frozen prompts, structured outputs, immutable audit trails. Designed to pass model risk review at Basel III / NYDFS tier.
02 / PCI-DSS NATIVE
Cards, payments, wallets
PCI-DSS-compliant architecture. Tokenization, encryption at rest + in transit, network segmentation, key management.
03 / KYC / AML / SAR
Automated + audit-grade
Customer due diligence, AML monitoring, SAR filing. IDP + agentic workflow. Audit-ready.
04 / REGULATED AI
Production-tested
Frozen prompt, scoped RAG, structured output, immutable audit. The architecture we’ve published in our Basel III brief.
FinTech patterns we ship
Eight FinTech shapes. All in production.
DIGITAL WALLET
Consumer + B2B
StcPay, PerfectPay. Wallet, P2P, card management, contactless. Biometric auth. PCI-DSS-compliant.
PAYMENT PLATFORM
Card · ACH · real-time
Card processing, ACH, real-time payments (FedNow, Faster Payments, SARIE). Multi-region.
CORE BANKING
Modern banking platform
Account management, transaction ledger, statements, regulatory reporting. Cloud-native architecture.
KYC / AML / SAR
Onboarding + monitoring
Customer onboarding, ongoing monitoring, transaction screening, SAR filing. Automated + analyst-supervised.
LENDING
Underwriting + servicing
Credit scoring, underwriting automation, loan origination, servicing, collections. ML-augmented.
WEALTH / TRADING
Portfolio + research
Portfolio management, trading interfaces, alternative data integration, agentic research.
Selected Production Work
Proof. Not pitch decks.
AI in FinTech After Basel III
What model risk teams actually look for. Architectural patterns that pass review.
FAQ
Questions buyers actually ask.
Yes. Wyoming C-Corp enables standard US enterprise legal infrastructure. We’re comfortable with first-look enterprise MSAs, custom DPAs for EU/GDPR, BAAs where applicable, and standard SOC 2 attestation requests.
Scope reduction first. Tokenization, segmentation, hosted payment pages. Then quarterly ASV scans, annual penetration testing, formal SAQ (or RoC if required).
Architecturally yes — we’ve shipped under all four regimes. The model risk and cybersecurity controls translate across jurisdictions with localization.
Native MVP for a digital wallet or payment app: 12-20 weeks with full compliance posture. Faster (8-12 weeks) for non-money-movement features (KYC, account opening, internal tools).
Scope a FinTech build with the regulated team.
30-min call with the founder + senior FinTech architect. Bring the regulatory regime. We’ll come back with a feasible architecture and timeline.
FinTech Software Development · Wyoming C-Corp · Dallas HQ · +1 510 850 4645 · [email protected]