SECTOR FOCUS · FINTECH & FINANCIAL RAILSBespoke Engineering & Architecture

High-Throughput Settlement Engines & Regulatory-Compliant Financial Rails.

We engineer ACID-compliant double-entry ledgers, multi-currency corridors, payment orchestration gateways, and automated reconciliation systems with availability and audit controls agreed for each deployment.

ACID

Ledger IntegrityThroughput and latency targets are set and tested for each workload.

Run Free 60-Sec Architecture Test

PRODUCTION SOFTWARE ARCHITECTURE

Software applications we build for FinTech & Payments

Deliverables, acceptance tests, and applicable intellectual property rights are defined in each project agreement. Third-party components remain subject to their own licenses.

ACID · Row-Level Locks · Zero-Trust

Real-Time Double-Entry Ledger Engine

Access-controlled ledgers with transactional balancing and workload-specific latency targets.

Core Capabilities

Single-transaction atomic debit/credit balancing in PostgreSQL functions

Cryptographic HMAC request verification with Redis-backed idempotency

Immutable transaction journals immune to retroactive mutation

Deliverables Handover

Complete ledger database schema with RLS policies
Settlement worker container images with automated Docker deployment
Real-time balance streaming API via WebSockets
Automated ledger balance invariant test suite

Delivery Timeline:5–8 weeks

Transactional Outbox · FX Queues

Multi-Currency Corridor Settlement Engine

Automated foreign exchange clearing, liquidity pool rebalancing, and cross-border corridor routing.

Core Capabilities

Real-time rate locking with dynamic spread calculation

Batch payout processing with automated retry strategies

Transactional outbox pattern with retries and delivery monitoring for downstream webhooks

Deliverables Handover

Multi-currency conversion logic and rate provider adapters
Asynchronous batch settlement dispatch workers
Treasury float monitoring dashboard and alert webhooks

Delivery Timeline:4–7 weeks

Next.js App Router · RBAC · Edge API

Merchant Payment Orchestration & API Portal

High-conversion checkout interfaces, developer API keys, role-based sub-accounts, and transaction analytics.

Core Capabilities

Developer sandbox environment with interactive API documentation

Sub-account delegation with fine-grained permission matrices

Live balance, refund, and dispute management workflows

Deliverables Handover

Full-stack Next.js merchant portal codebase
Public developer SDK and OpenAPI 3.1 specifications
Webhook delivery telemetry console with payload replay

Delivery Timeline:6–9 weeks

Automated Assertions · Exception Triage

Automated Banking Reconciliation Engine

Continuous cross-referencing between internal transaction journals and external banking provider settlement statements.

Core Capabilities

Automated CSV/MT940/JSON bank statement parsing and matching

Instant discrepancy detection with automated quarantine queues

Comprehensive audit trail pre-formatted for external accounting auditors

Deliverables Handover

Automated reconciliation ingestion pipeline
Finance operations exception review dashboard
Scheduled regulatory reporting generator (PDF & CSV)

Delivery Timeline:4–6 weeks

FINTECH DIAGNOSTIC60-Second Self-Test

FinTech Ledger Concurrency & ACID Readiness Test

Evaluate your payment system's idempotency, database lock contention, and reconciliation audit resilience in 60 seconds.

Progress:1 / 5

Question 1 of 4

Peak Transaction Burst Volume

What is your anticipated peak transaction concurrency during month-end or flash events?

REGULATORY & ARCHITECTURAL RIGOR

Compliance standards & risk mitigations handled

We engineer systems designed to survive third-party regulatory inspections, banking compliance audits, and strict data protection laws.

Security

PCI-DSS Level 1 Principles

Zero storage of sensitive authentication data, end-to-end tokenization, and strict cryptographic key rotation.

Integrity

ACID Double-Entry Ledgers

Transactional controls and integer-based amounts help prevent unbalanced or unsupported ledger mutations.

Regulatory

Banking Audit Readiness

Immutable transaction audit journals formatted specifically for Central Bank and regulatory inspections.

Privacy

Data Residency & NDPA/UK GDPR

Cryptographic merchant tenant isolation with regional database hosting configurations.

ENGINEERING TOOLCHAIN

Technologies we deploy for FinTech & Payments

PostgreSQLACID Database

Supabase / RLSZero-Trust Authorization

Next.js App RouterMerchant Console

RedisDistributed Locking & Queues

DockerIsolated Worker Runtime

TypeScriptDeterministic Typing

CLARITY & COMMERCIAL TERMS

Frequently asked questions

How do you prevent duplicate transactions under intermittent mobile network connections?

We implement cryptographic idempotency keys at the edge API layer backed by Redis. Any duplicate client submission within the TTL window returns the cached atomic result without executing secondary ledger mutations.

Who owns the source code and database schemas upon completion?

Ownership and handover of bespoke deliverables are defined in the project statement of work and take effect after final payment. Third-party and open-source components remain under their own licences.

Can your systems integrate with local Nigerian and international payment rails?

We can scope integrations with NIBSS, Paystack, Flutterwave, Interswitch, Stripe, and bank APIs. Provider access, supported endpoints, and reconciliation tolerances are confirmed during discovery.

How do you handle staging and security audit requirements before going live?

Every sprint delivery includes an isolated staging environment running sanitized production-like data, full integration test suites, and documentation ready for your external penetration testing and regulatory compliance partners.

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LET'S ENGINEER YOUR SYSTEM

Ready to build custom software for FinTech & Payments?

Agree scope, architecture, milestones, and bespoke deliverable ownership in the statement of work before development starts.

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