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Fintech Software Development

Payment, fraud and compliance systems for businesses where the software is holding other people's money.

Built in Lahore. Replies same working day.

Where financial software gets hard

Four problems show up on every build. The ones you solve at the start are cheap.

Fraud moves faster than review

Card testing and account takeover patterns change week to week, so a rule written once goes stale. We score on the write path and retrain on your own transaction history.

Compliance has to be showable

AML and KYC become an engineering problem the day someone asks for the record. We design the audit trail first, so producing the report is a query rather than a week of spreadsheet work.

Latency is felt, not measured

A payment that takes a second feels broken, and a settlement that runs late costs reconciliation hours the next morning. We budget latency per hop and test it under peak load before launch.

The data is the target

Card numbers and CNICs are the reason someone attacks you. Encryption in transit and at rest, tokenisation so the database never holds a card number, and access scoped per role.

What we build for fintech

  1. 01

    Transaction scoring and fraud rules

    Models that read transaction, device and behaviour signals as the record is written, with a rule layer an analyst can edit without a deploy.

    • Scoring on the write path
    • Behavioural signals
    • Device and network checks
    • Rules a reviewer can edit
  2. 02

    Payment processing platforms

    Card, bank transfer and wallet flows against one double-entry ledger, so the day's totals reconcile without anyone opening a spreadsheet.

    • Multi-currency ledger
    • Payment routing
    • Settlement runs
    • Reconciliation reports
  3. 03

    KYC and AML workflows

    Identity verification and watchlist screening run as a workflow, with a queue holding only the cases that genuinely need a person to look at them.

    • Document verification
    • Watchlist screening
    • Risk scoring
    • Case queue
  4. 04

    Financial reporting and analytics

    Dashboards that read the system of record instead of a nightly copy, plus plain-language queries for the questions nobody wrote a report for.

    • Live dashboards
    • Regulatory reports
    • Cohort analysis
    • Ask in plain language

What that means in the codebase

The decisions that are expensive to reverse, listed so you can argue with them before we start.

Technical decisions by area, with what each one commits us to
AreaWhat we commit to
Architecture
  • Event-driven services, so a slow report never blocks a sale
  • Idempotent writes, so a retry cannot double-charge
  • Horizontal scaling on the queue and the API tier
  • Read paths measured under peak load before launch
Security
  • PCI DSS aware design: card data stays in the vault
  • Encryption in transit and at rest
  • Tokenisation, so your database never holds a card number
  • An audit row on every write, with who and when
AI and data
  • LangChain and LangGraph for document workflows
  • Fraud models trained on your own transaction history
  • Plain-language queries over live data, in Urdu or English
  • Risk scores a reviewer can read and override

Every write gated, logged and reversible

Polaris, our own product, treats money paths the way a fintech build has to. Permissions decide who can take each action, an audit row lands with every write, and a mistake caught within five minutes can be undone rather than corrected by hand. That discipline is where a fintech build starts rather than where it ends. The full product story is on polariserp.app.

Permissions
157
Live businesses
19

Asked in the branch

یہ انٹری کس نے تبدیل کی؟

Who changed this entry? The audit trail answers with the user, the time and the old value.

Read the case studies

What we bring, and what we do not

  • We have run money through our own product, not only through a client's
  • An audit row on every write, which is a design decision made early or not at all
  • Security reviewed against the threat, not against a checklist
  • We say when a regulated piece needs a specialist we are not

We are a Lahore team. Licensing, audit sign-off and the regulator conversation stay yours; the software is ours.

Tell us what your money system has to do.

A 30 minute call about volumes, the checks you owe a regulator, and what breaks today. We reply same working day, and if this is not work we should take, we will say so on the call.

Book a call
First reply
same working day
Built in
Lahore, Pakistan
WhatsApp, any time+92 335-0706014