Do you build ledgers from scratch or use existing platforms?

Both. For scale ups needing to move fast: existing platforms (Modern Treasury, Increase) plus custom orchestration. For enterprise use cases needing specific ledger semantics: we build custom on top of Postgres or TigerBeetle. We recommend based on your regulatory posture and volume.

Which sponsor banks have you built for?

We've shipped systems on Column, Cross River, Evolve, Sutton, and Grasshopper Bank. Every sponsor bank has slightly different KYC/AML posture, reserve requirements, and control expectations: we tune the compliance layer accordingly.

How do you handle KYC/AML integration?

Vendor agnostic. We've integrated with Alloy, Persona, Sardine, Middesk, and direct to bureau (Experian, TransUnion, LexisNexis). The AML pipeline layers Chainalysis (crypto), sanctions screening (OFAC/UN/EU), and beneficial owner traversal: all wired to your BSA officer's alert queue.

What does a typical fintech engineering engagement look like?

8 to 16 weeks for a first production system: pilot week to align on architecture and sponsor bank posture, then delivery in 2 week sprints with weekly demo to your compliance team. Full engagement scope depends heavily on whether you're building on an existing core or standing up net new rails.

Financial Services Engineering

Fintech AI Engineering

Banking grade platforms: double entry ledgers, ISO 20022 rails, card issuing integration, and KYC/AML pipelines that pass sponsor bank review.

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What does fintech AI engineering involve?

The Answer

Fintech AI engineering is the build-out of banking-grade systems — payment platforms, ledgers, card issuing, KYC/AML, and compliance tooling — with AI applied where it is safe and auditable. The work prioritizes regulatory fit, sub-second decisioning, and deployment inside your own VPC so sensitive financial data never leaves your control.

What you get

Three outcomes we commit to before we start.

Idempotent double entry ledgers

Correct by construction ledgers that survive network partitions, retries, and clock skew. Every entry balances; every reconciliation reconciles. No 'phantom debits' at month end.

ISO 20022 & real time rails

FedNow, RTP, and SEPA SCT Inst integration with sub second confirmation. pain.001 / pacs.008 message handling built to the spec, tested against sandbox validators before we touch production.

Sponsor bank review ready from day one

Every architecture decision maps to a specific control (BSA/AML, OFAC, Reg E, Reg CC). Threat models, DFDs, and control matrices ship as part of the delivery: your sponsor bank's compliance team gets what they need without a scramble.

The Guaranteed Production Pilot

Fixed scope · Written target

A production Fintech AI Engineering system in your VPC: audited, documented, owned by your team.

Not a slide deck and not a sandbox demo: a working Fintech AI Engineering deployment inside your own cloud boundary, mapped to your compliance controls and handed over with the schema, the eval harness, and the runbook.

Speed

Architecture and success criteria signed off in week one. First working slice running in your environment inside 30 days.

Zero effort

Fully done for you. Our senior squad owns ontology, build, evals, and compliance mapping: your team reviews and signs off, nothing more.

Risk reversal

Fixed scope, fixed price, and a measurable success target agreed in writing before we start. Miss the target and you don't pay for the pilot.

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