Payment gateways and UPI, digital lending, neobank and wallet apps, wealth and insurance platforms, built with bank-grade security, real-time fraud checks and compliance in mind from the first line of code.
From a single payment flow to a full digital bank, built for the product you are licensed to offer.
Each step has a time budget. We design the system so the whole journey stays fast, even at peak load. Typical timings for a card or UPI payment.
Total processing about 260 ms, excluding network time on the customer's phone. Illustrative.
Set the loan amount, interest rate and tenure to see the monthly instalment (EMI), total interest and how each year's payments split between principal and interest.
Standard reducing-balance EMI formula. Actual loan terms depend on the lender.
Every transaction is scored in real time against rules and machine learning models. Unusual amounts, devices, locations or patterns are held for review instead of being paid out. Sample radar.
A digital lending journey with eKYC, bureau checks, bank statement analysis, an automated decision, e-sign and instant disbursal. Typical timings.
Encryption, tokenisation, access control, audit trails and data residency are designed in from the start, mapped to the rules your product falls under. Certification itself is carried out by your auditors.
How a typical platform we build fits together. Tap a technology to learn more.
Integrated through licensed partners where the regulations require it.
We work with founders building their first product and with regulated lenders, banks and payment companies modernising theirs.
Compliance and security work start in week one, not at the end.
Typical targets we design and plan against, not guarantees.
Get a rough estimate for your build, or check the return before you commit.
Everything that goes into a finance product, and the industries next door.
Straight answers to what founders, NBFCs and banks ask us most.
Payment gateways and UPI apps, digital lending platforms and loan management systems, neobank and wallet apps, investment and wealth platforms, insurance platforms, and B2B finance tools such as invoicing and expense management.
We design for the rules that apply to your product, such as RBI digital lending and payment guidelines, PCI DSS for card data, KYC and AML, and data protection laws. Formal certification is done by your auditors; we build the controls, logs and documentation they check.
Encryption in transit and at rest, tokenisation of card data, key management, role-based access, audit logs, secure coding reviews and penetration testing before launch.
Yes. We integrate UPI, payment gateways, Aadhaar and video KYC, PAN verification, credit bureaus, Account Aggregator, e-sign and e-NACH, through licensed partners where required.
Yes. Rules plus machine learning models score each transaction or application in real time, with alerts and a review queue for the risk team.
Yes. A focused MVP typically takes 10 to 14 weeks, built on an architecture that can scale and pass audits as you grow.
Yes. We build digital lending, customer apps, dashboards and integrations for NBFCs, co-operative banks and lenders, alongside their core banking systems.
Typically Java, Go, Node.js or Python for services, Flutter or React for apps, PostgreSQL for the ledger, and AWS or Azure with Kubernetes, chosen to fit your team and compliance needs.
Tell us what you want to build, your products, plants and current tools. We reply within 4 business hours with honest advice.