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For Fintech Founders

Fintech that passes regulatory stress tests.

Fintech at Empyreal Infotech passes PCI-DSS compliance, regulatory stress tests, and ledger reconciliation audits with KYC/AML workflows built into architecture.

PCI-DSS, RBI compliance, KYC/AML workflows, and audit trails. Your MVP doesn't need regulatory debt built in.

For founders building payments, lending, or trading platforms. Built by engineers who understand banking infrastructure.

Explore for Fintech Founders See a 48-hour audit
PCI-DSS RBI Compliant KYC / AML $45–75/hr
Why Fintech Is Different

Banking regulations meet architecture decisions.

Fintech is not software. It is software plus law. Write your reconciliation engine wrong, and you have customers seeing duplicate charges. Design your audit trail wrong, and you fail a regulator's spot check. Most dev teams code now and compliance later. By then, your database schema is broken.

01

PCI-DSS compliance

Card data must never hit your servers. HSMs, tokenization, and PCI-scoped networks are not optional. Your database architecture must prove this, or your audit fails.

02

RBI regulations (India focus)

Data residency, API rate-limiting, customer identification, foreign remittance rules. Your API contract must encode these constraints before the first line of product code.

03

KYC/AML workflows at scale

Identity verification, document scanning, sanctions checks, beneficial ownership. Each is a service integration. Each has UX, compliance, and performance implications that compound.

04

Reconciliation is not a batch job

Your payment ledger must reconcile to bank statements in real-time, not tomorrow morning. Double-entry bookkeeping is not a feature. It is the foundation.

What We Build for Fintech

Regulatory thinking, then code.

We audit your architecture before your MVP ships. We ask: What regulations apply? How does your database prove compliance? Where is your audit trail? We code to pass that stress test on day one.

PCI

PCI-DSS architecture

Tokenization flows. Scoped networks. Your system provably never touches raw card data.

RBI

RBI & local banking rules

Data residency, API limits, customer identification encoded at the schema level.

KYC

KYC/AML at scale

Third-party verification integrations, document scanning, sanctions checks built into onboarding.

LEG

Ledger & reconciliation

Double-entry ledger database design. Real-time bank reconciliation. No manual fixes tomorrow.

AUD

Audit trails & logging

Immutable transaction logs. Who did what, when, and why. Regulators see everything.

SEC

Encryption & secrets management

HSMs, API key rotation, zero plaintext secrets in databases. Your infrastructure passes a security audit.

Proof

The 48-hour fintech audit.

Your MVP is shipping. Your database is not. We spend two days asking the hard questions: Does your ledger reconcile? Can you prove PCI-DSS compliance? What happens when a transaction fails mid-pipeline? We write a report. We tell you what breaks before the regulator finds it.

50+
Fintech Audits

Payments, lending, trading, insurance. We have seen every fintech architecture mistake once.

12+
Funded Fintechs

Our founders passed Series A due diligence because their architecture was sound on day one.

Beyond Launch

Fintech at scale.

You hit product-market fit. Now regulators show up. Banks request SOC2. Your payment processor wants performance SLAs. The architecture that shipped your MVP cannot absorb this load. We help you refactor before it breaks.

Payment processor integrations

Stripe, Razorpay, custom gateway integration. Retry logic, idempotency, webhook verification all matter. We get it right.

Batch processing & scheduled jobs

End-of-day settlement, interest calculations, fee accruals. Cron jobs fail silently. We build observable, recoverable batch pipelines.

Monitoring & alerting

A transaction fails. You need to know in seconds, not hours. We instrument ledger updates, payment flows, and reconciliation.

High-availability database design

Your ledger cannot go down. Replication, failover, data consistency under partition. We architect databases for financial workloads.

Next Step

Your fintech MVP has an architecture. We should talk about it before it costs you six months of refactor and a failed audit.

Founder-led engineering. Transparent rates. 48-hour paid audit to start.

Start Your Audit Founder Call
Payment systems engineering

Stripe integrations that handle edge cases.

In fintech, payment failures are catastrophic. Learn the four critical failure modes we see repeatedly in production Stripe integrations and how we prevent them through idempotent webhooks, reconciliation, and dispute handling.

Questions

Frequently asked questions about our fintech engineering

Direct answers about how this engagement actually works. If your question is not here, ask Mohit directly.

PCI-DSS is terrifying. Do we have to build our own payment infrastructure, or can we avoid it?
You can avoid it entirely if you use hosted tokenization (Stripe, Adyen, Square handle PCI scope). Card data never touches your servers. You stay out of scope. If you're building a payment network or marketplace, you'll eventually need to understand PCI scope. Start with hosted tokenization. Graduate later if volume and compliance requirements demand it.
RBI regulations feel specific to India. What does compliance actually require in code?
KYC workflows (identity verification), AML checks (sanctions screening), and audit trails that prove every transaction was checked. RBI spot checks will ask for this data. The audit trail has to be immutable. Most teams try to bolt this on after launch. That becomes a database schema rewrite.
What's a realistic budget and timeline for a payment platform MVP that's PCI-DSS compliant from day one?
If you're using hosted tokenization: 10-14 weeks, $45K-75K. If you're building a trading or lending platform with complex settlement logic: 16-24 weeks, $80K-150K. The difference is reconciliation architecture. We recommend a scope audit first.
We're building lending software. Do you have experience with ledger reconciliation and double-entry bookkeeping at scale?
We've shipped five lending platforms. Three handle $500M+ in AUM. Ledger reconciliation is where most lending teams go wrong. We design the transaction journal before you touch a database. That prevents the crisis of discovering your ledger doesn't balance at scale.
How do we audit our architecture before shipping to make sure we don't fail a regulator's stress test?
The 48-hour fintech audit ($3,500 at standard rates) covers PCI-DSS scope analysis, KYC/AML integration design, audit trail architecture, and a compliance stress test. You get a report on what regulators will ask for and whether you're ready.
Who's our main contact during development? Does Empyreal have fintech expertise built in, or are we breaking new ground?
Mohit leads all fintech projects and reviews every architecture decision. We've shipped 7+ funded fintech startups and work with 2 RBI-regulated financial services companies. You're not breaking new ground. We've hit every integration point. Weekly syncs keep you aligned.

Have a different question? Email the team or read the full FAQ.