Finance & FinTech Technology ThatMoves Money Safely

The architecture is RBI and DPDP aligned from sprint one: KYC with the audit trail, data minimisation, purpose limitation, retention rules, the right to erasure and the breach response the regulator expects. SOC 2 is a process, not a feature, and the controls are built in. The certification itself is a separate engagement.

Yes. We integrate with CIBIL, Experian, CRIF and the bank APIs for the credit decision, the disbursal and the reconciliation. The integration is a typed bridge with retries, idempotency and the dead-letter queue, with the monitoring that catches drift. The audit trail is on the application, not the spreadsheet.

The payment gateway is integrated with the order and the ledger, with the daily reconciliation against the bank statement. The exceptions are surfaced in a dashboard, the human approves the exceptions, and the close cycle drops. The reconciliation is the most important part of the finance operation, and we treat it as such.

A real-time risk scoring pipeline that takes the transaction, the user, the device and the historical data, and returns a score in milliseconds. The rules engine handles the deterministic checks, the ML model handles the probabilistic ones, and the eval suite catches the regressions. The fraud team reviews the false positives, and the model improves over time.