Money moves. Regulators approve.
Payments, lending, KYC, ledgers and fraud - engineered for regulated scale by senior fintech architects who have shipped under PRA, FCA, BaFin, MAS and SEC oversight. Reference architectures, audit-grade evidence, outcome-priced delivery.
- --$14.99AppleSubs
- ++$6,420.00Payroll · AcmeSalary
- --$82.40Whole FoodsGroceries
- ++$248.10Refund · DeltaTravel
Six engineered solutions across the fintech stack.
From payments rails and lending to KYC, fraud and core ledger - built on reference architectures hardened in production and proven under regulator scrutiny.
Payments & wallets
Card, account-to-account, wallet, RTP and cross-border rails with idempotent ledgers, ISO 20022 messaging and multi-acquirer routing.
- Card · A2A · RTP · SEPA · Faster Payments
- Multi-acquirer & smart routing
- Idempotent double-entry ledger
Lending & credit decisioning
Origination, underwriting and servicing platforms with real-time decisioning, alternative data, and explainable credit models.
- Origination & KYB / KYC orchestration
- Real-time decisioning engine
- Servicing, collections & restructuring
KYC, KYB & onboarding
Risk-based identity verification, sanctions and PEP screening, ongoing monitoring and SAR workflows aligned to FATF and local AML rules.
- Document & biometric verification
- Sanctions, PEP & adverse media
- Perpetual KYC & ongoing monitoring
Fraud, AML & transaction monitoring
Real-time fraud scoring, behavioural analytics, network detection and AML transaction monitoring with explainable models and case management.
- Real-time risk scoring
- Graph & network detection
- Case management & SAR filing
Core ledger & reconciliation
Event-sourced double-entry ledgers, multi-currency books, T+0 reconciliation and audit-grade financial close automation.
- Event-sourced double-entry
- Multi-currency & multi-entity
- T+0 reconciliation & close
RegTech & compliance
PSD2, DORA, MiCA, FATCA, CRS and Basel reporting - data lineage, control mapping and assurance-ready evidence for every disclosure.
- PSD2 · DORA · MiCA · Basel
- Reg reporting & data lineage
- Audit-grade evidence packs
From licence map to live rails - in four phases.
Each phase ships a tangible artefact - a regulatory blueprint, a compliant reference architecture, a live integration, an audit-ready control library.
- 01
Discover & frame
Map the value chain, regulatory perimeter and risk appetite. Anchor the engagement in measurable business and compliance outcomes.
- 02
Architect for regulation
Reference architecture aligned to PCI, PSD2, DORA and SOC 2 - with segregation of duties, audit trails and data residency built in.
- 03
Build & integrate
Senior fintech engineers deliver rails, ledger, KYC and fraud capabilities - integrated to acquirers, schemes, bureaus and core banking.
- 04
Run & assure
24x7 SRE, fraud ops support, continuous compliance evidence and quarterly regulator-ready reporting across the live programme.
Outcomes regulators & CFOs both sign off.
Authorisation, fraud, latency and audit-readiness - the four dials every fintech leadership team is measured on - tracked on a single weekly scorecard.
+18% authorisation uplift
Smart routing, retries and 3DS optimisation across acquirers.
-72% fraud losses
Real-time scoring, graph detection and network signals combined.
<100ms P95 latency
Event-driven core ledger with idempotent, ACID-safe writes.
Audit-ready by default
PCI DSS 4.0, SOC 2, PSD2 evidence continuously produced.
Rails, ledgers, fraud & compliance toolchains.
We integrate with the rails, schemes and partners you already run - and stand up best-in-class ledger, KYC and fraud stacks where you need them.
- Stripe
- Adyen
- Mastercard
- Visa
- SWIFT
- SEPA / FPS
- Onfido
- Jumio
- ComplyAdvantage
- Sift
- Feedzai
- Tigerbeetle
- FormanceHQ
- Mambu
- Thought Machine
- Postgres
- AWS Financial Services
- Azure for Banking
- HashiCorp Vault
- OpenTelemetry
- Snyk
Programmes delivered across fintech.
Neobanks, PSPs, lenders, BNPLs and wealth platforms - each has its own regulator, scheme map and customer journey. We bring playbooks for every one.
The difference between building software and shipping under a regulator.
Engineers who shipped under a regulator
Our fintech leads have built and operated rails, ledgers and KYC stacks under PRA, FCA, BaFin, MAS and SEC oversight.
Reference architectures, not blank pages
We bring battle-tested blueprints for payments, lending, ledger and fraud - then tune them to your scheme membership and licences.
Audit-grade evidence from day one
Every control mapped, every log retained, every disclosure traceable. Auditors review - they don't rebuild.
Outcome-priced delivery
We price the authorisation rate, fraud loss and time-to-market - not the timesheet. Same incentives as you.
“SyncTrix rebuilt our payments rail and ledger on event-sourced primitives. Authorisation rate is up 21 points, fraud loss is down 72%, and our PSD2 SCA exemption rate is the highest in our scheme cohort.”
- Re-engineered: payments rail + event-sourced ledger
- Integrated: 3 acquirers, scheme rails, real-time fraud
- Outcome: +21pt auth · -72% fraud · top-cohort SCA
Fintech delivery, answered.
The questions CPOs, CTOs and Heads of Risk ask us most often before handing over a regulated programme.
- Yes. Our fintech leads have built and operated platforms under PRA, FCA, BaFin, MAS, ASIC and SEC supervision - including BIN sponsorship, EMI / API licences, principal scheme membership, and PSD2 / SCA programmes. Regulatory engagement is part of the delivery, not an afterthought.
Book a fintech strategy call - leave with a blueprint.
A 45-minute session with a senior fintech architect. We map your value chain, regulatory perimeter and top three risk hotspots - and leave you with a prioritised blueprint, whether you engage us or not.
Tell us about your project.
Briefs, NDAs, architecture reviews, anything goes. A senior engineer responds within 24 hours.
- Email[email protected]
- Phone+91 99228 74956
- LocationsHyderabad · Pune · Bangalore
- 1 · A senior engineer reviews your brief within 24 hours.
- 2 · We schedule a 30-minute discovery call.
- 3 · You receive a written proposal in 48-72 hours.