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Fintech & Banking

Architecture for systems where math must be perfect.

Financial software doesn't just need to be fast. It needs absolute transactional integrity, immutable audit logs, and proactive defense against sophisticated fraud.

Event Sourced Ledger

Tx_9482 (DEPOSIT) + $4,500.00
Tx_9483 (FEE_ASSESS) - $12.50
Tx_9484 (WITHDRAW) - $8,000.00 [DECLINED_NSF]
COMPUTED_BALANCE: $14,291.50

ACID Compliance

Atomicity
Either the entire money transfer succeeds, or none of it does. No partial states.
Consistency
Account balances can never drop below zero due to concurrent requests.
Isolation & Durability
Transactions are locked safely, and committed data survives server crashes.

The Distributed Ledger

In fintech, standard CRUD (Create, Read, Update, Delete) databases are dangerous. Overwriting a previous balance destroys history. We build Event Sourced architectures where every transaction is an immutable log.

Idempotent APIs

Ensuring that a user clicking "Pay" twice due to a network lag does not charge them twice.

Double-Entry Systems

Every credit requires a corresponding debit. The system must always balance to zero.

Compliance as Code

Regulatory requirements (KYC/AML) are not manual afterthoughts. They are built directly into the deployment pipeline.

PCI-DSS Level 1

Tokenizing PAN data at the edge so your core application never touches sensitive cardholder information.

SOC 2 Type II

Architecting strict separation of duties, ensuring no single engineer can access production databases unnoticed.

Automated KYC

Integrating Plaid, Stripe Identity, or Alloy to automate customer onboarding without sacrificing security.

Real-Time Fraud Prevention

Batch processing is too slow for modern financial fraud. We implement streaming architectures (like Apache Kafka) to analyze transaction behavior in milliseconds.

Velocity ChecksDetecting if the same IP attempts 50 micro-transactions across 10 accounts in under a minute.
Geographic ImpossibilityFlagging a card-present transaction in London occurring 10 minutes after a withdrawal in New York.