Software · Industry software
Fintech software
Payment, lending and onboarding systems built for regulated money flows, with every movement traceable.
In fintech the hard part is not the screen but the ledger behind it and the rules around it. We build payment flows, lending platforms, KYC onboarding and reconciliation designed for UPI, RBI directions on KYC and digital lending, and card data rules such as PCI DSS. Every rupee is recorded in a double-entry ledger, so any balance can be explained.
What we build
- Digital KYC onboarding with PAN checks, video KYC, CKYC lookups and DigiLocker documents
- UPI collect, intent, QR and AutoPay flows through your bank or payment aggregator
- Loan origination with bureau pulls, Account Aggregator data, rule-based scoring and eNACH
- Double-entry ledgers for wallets, escrow and settlement accounts with full audit history
- Reconciliation that matches bank statements, gateway settlements and internal ledgers daily
- Collections and repayment tracking with reminders, part-payments and overdue buckets
- Key fact statements and regulatory reports generated from the same ledger data
DemoInteractive · sample data
Try it live.
A working sample with made-up data. It runs in your browser; nothing is sent anywhere.
- Applicant: Rohan Mehta
- PAN verification
- CKYC record
- Video KYC
- Address proof
- Bank account check
What it does well
Ledger first
Every balance is the sum of immutable journal entries, so nothing changes without a trace.
Idempotent payments
Retries and duplicate callbacks never charge or credit a customer twice.
KYC and AML checks
Identity, sanctions and PEP screening run at onboarding and again when risk changes.
Data in India
Payment data is kept in Indian cloud regions to meet RBI storage rules, with every copy tracked.
Strong authentication
Two-factor login, device binding and step-up checks protect high-value actions.
Explainable decisions
Every credit decision records the data, rules and model version that produced it.
Questions
Can you integrate UPI directly?
UPI access goes through an NPCI member bank or a licensed payment aggregator, not straight to NPCI. We integrate your chosen bank or aggregator APIs for collect, intent, QR and AutoPay, and build the callbacks, status checks and reconciliation around them.
Will the software meet RBI rules on its own?
Software alone cannot make a business meet its obligations. We design for the RBI directions that apply to your licence, such as KYC, digital lending and data storage, document how each requirement is handled, and work with your compliance team and auditors on any gaps.
How do you keep payment systems secure?
Secrets live in a vault, card data is tokenised or kept out of scope, every API call is authenticated and logged, and production access needs approval. We design for PCI DSS where cards are involved and arrange independent penetration tests before launch.