💳 FinTech & Banking Software Solutions

Enterprise FinTech, UPI & Neo-Banking Software Engineering

Architect high-concurrency payment gateways, RBI-compliant digital lending engines, Aadhaar eKYC onboarding flows, and sub-40ms AI fraud scoring pipelines.

Home Industries FinTech & Banking
FinTech & Banking Platform Architecture
⚡ Enterprise FinTech & Banking Architecture
₹500Cr+
Transactions Processed
PCI-DSS
Level 1 Ready
40ms
Real-Time Fraud Latency
99.99%
Payment API Uptime
System Design & Data Flow

End-to-End Technical Architecture

STAGE 01

API Ingestion & Tokenization

Sub-30ms card and UPI tokenization gateway masking sensitive card credentials.

STAGE 02

AI Fraud Scoring Engine

Machine learning fraud detection scoring geolocation, velocity, and device risk.

STAGE 03

Double-Entry Ledger

ACID-compliant immutable financial ledgers with automated bank reconciliation.

STAGE 04

Aadhaar eKYC & Settlements

Biometric UIDAI eKYC verification and automated NPCI UPI 2.0 payouts.

Engineering Capabilities

Tailored Modules & Enterprise Features

💸

Multi-Rail Payment Gateways & UPI 2.0

Seamless integration with NPCI UPI switches, Razorpay, Stripe, and global cards with intelligent failover cascading and auto-reconciliation.

🏦

Neo-Banking & Multi-Currency Accounts

Virtual IBAN generation, physical/virtual debit card issuance, corporate expense management, and real-time ledger accounting.

📊

Digital Lending & Credit Scoring Engine

Paperless loan origination systems (LOS), rule-based underwriting algorithms, automated CIBIL/Experian credit bureau pulls, and automated e-NACH EMI debits.

🆔

Aadhaar eKYC & Video KYC (V-KYC)

Instant CKYC registry lookup, Aadhaar OTP authentication, PAN verification, and automated live face matching for regulatory compliance.

🤖

Real-Time AI Fraud Detection

Sub-40ms machine learning scoring engines detecting transaction anomalies, geofence mismatch, and velocity abuse before funds leave escrow.

📈

WealthTech & Algorithmic Trading

Real-time WebSocket market tickers, SEBI-compliant order management systems, mutual fund SIP engines, and tax-optimized portfolio rebalancing.

Technology Stack

Battle-Tested Tooling Ecosystem

Client & Mobile
Flutter 3.24React NativeSecure EnclaveBiometrics
Payment Rails
NPCI UPI 2.0RazorpayStripe Connecte-NACH
Core Ledger
Go MicroservicesPostgreSQL ACIDRedis ClusterKafka
Security & Certs
PCI-DSS Level 1RBI Data LocalizationAWS CloudHSMISO 27001
Delivery Lifecycle

Agile 6-Phase Engineering Roadmap

WEEKS 1 – 2

Architecture & Compliance Discovery

Deep-dive domain discovery, regulatory boundary mapping, database schema design, and high-fidelity Figma user journeys.

WEEKS 3 – 5

Core Microservices & API Engine

Engineering ACID-compliant database models, high-throughput message queues, payment gateways, and third-party API adapters.

WEEKS 6 – 8

Web & Mobile Client Development

Building responsive Next.js 15 web applications and native-performance Flutter mobile apps with real-time WebSocket syncing.

WEEKS 9 – 10

Security Auditing & Load Testing

Penetration testing (VAPT), regulatory compliance verification, automated chaos load testing (100K users), and zero-leakage signoff.

WEEK 11

Production Deployment & Cutover

Zero-downtime CI/CD deployment on multi-region AWS/Azure infrastructure, Cloudflare enterprise routing, and DNS activation.

ONGOING

24/7 SLA Ops & Optimization

Continuous performance monitoring with Datadog, automated vulnerability patching, monthly feature sprints, and dedicated account support.

🛡️

Industry Compliance, Data Security & Standards

Every line of code is engineered to fulfill rigorous regulatory standards from sprint one. Zero data leakage, strict hardware encryption, and immutable audit logging backed by our ISO 9001 and ISO 27001 certified engineering processes.

PCI-DSS Level 1 RBI Data Localization Aadhaar eKYC / CKYC ISO 27001 Certified CloudHSM Enclaves CERT-In Audited
Questions & Answers

Frequently Asked Questions

Is all financial data stored exclusively in India as per RBI rules?
Yes. All databases and backup vaults are architected on AWS Mumbai (ap-south-1) with zero cross-border data transfer, strictly fulfilling RBI mandates.
How does CodeCurious secure cardholder and sensitive UPI data?
We implement PCI-DSS Level 1 tokenization enclaves and AWS CloudHSM dedicated hardware security modules so plain-text card credentials never touch application servers.
Can you build custom automated reconciliation ledgers?
Yes. We engineer automated double-entry ledger microservices that reconcile multi-bank settlement files, gateway webhooks, and merchant payouts daily.

Ready to Build Your FinTech & Banking Platform?

Schedule a confidential technical consultation with our engineering directors. Receive an architectural blueprint and sprint milestone roadmap in 24 hours.

Start Your Project ↗ Talk to CTO