FinTech Software Development for Payments, Lending and Digital Finance Products

Every product is built on our standard stack, so it is easy to maintain and to hand over: Next.js for customer web apps and dashboards, NestJS for all business logic and APIs, PostgreSQL with Prisma for data, Redis with BullMQ for background work such as webhooks, retries and reconciliation jobs, and React Native or Flutter for mobile apps. Read more on our web and backend stack.

Where a product needs data science, we add Python services alongside the main backend: fraud and credit-risk scoring models, document and identity checks with AI, and analytics over transaction history. These services only score and analyze — they return a result to the NestJS backend, which stays the single place where money moves and every decision is recorded.

Money logic lives only in the backend. Amounts are stored as whole minor units or exact decimals, multi-step changes run inside a single database transaction, and payment and transfer requests accept an idempotency key so that a repeated request returns the original result instead of moving money twice. Slow work — notifications, statements, reports, provider callbacks — runs as queued jobs, so the app stays responsive at peak load.

• Double-entry ledger records for every movement of money
• Idempotency keys on payments, transfers and payouts
• Signed, verified webhooks with automatic retries
• Feature flags and configurable limits per market
• Automated tests for every money-moving path
• Python services for risk scoring, document AI and analytics

Our engineering standards make the same protections mandatory on every project: validation of every request on the server, deny-by-default access with checks on each specific record, argon2 password hashing, secure session cookies, rate limits on sign-in and public endpoints, and secrets kept out of code. For fintech we add tokenized card handling through your payment provider, maker-checker approvals for sensitive operations and a permanent audit trail.

Licences, certifications and regulatory approvals stay with your organization and its partners, and we do not claim them for you. What we deliver is software that makes those obligations easier to meet and to evidence, with clear documentation for your compliance team, partners and auditors.

We build and run financial products of our own on this stack. CreditLine prepares complete, checked SME and MSME loan files for banks and lenders, including a guided interview that collects the applicant's account of the business. Accounting Firm OS gives accounting practices client management, deadline tracking and invoicing with payment links that clients can pay through local e-wallets. The same engineering practices go into every client project.