Industry Solution

Fintech Development

Trading platforms, wallets, KYC flows, and payment integrations built for compliance.

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Overview

About this solution

We have built fintech products for trade finance, investment tracking, digital wallets, and B2B payment platforms. We understand the compliance requirements, the API integrations, and the security architecture that fintech demands, KYC flows, AML logic, and real-time transaction systems included. Our fintech builds are designed for the regulatory environment from the start, not retrofitted for compliance after the product exists.

By the numbers

The market context

$7T+
India digital payments volume
projected by 2027, infrastructure decisions made at MVP stage determine whether you can handle this scale
500M+
UPI users in India
the transaction volume that modern fintech products must be architected to handle without falling over
60%
fintech products fail at scale
due to weak architecture choices made early, compliance retrofits and security gaps are the leading causes
Deliverables

What we build

Digital wallets and UPI integrations
KYC and AML verification flows
Trade finance and investment dashboards
Stripe, Razorpay, and PayU integrations
Real-time market data feeds
Portfolio and fund tracking
Reconciliation and reporting tools
Regulatory compliance architecture
Domain Knowledge

Challenges we solve

01

Regulatory complexity

Fintech products must navigate KYC, AML, and data residency rules. We build compliance flows that are thorough without destroying the user experience, and that hold up when your product is audited.

02

Real-time reliability

Trading and payment systems need sub-second responses and bulletproof consistency. We design the real-time layer, queuing, concurrency, idempotency, for exactly this from day one.

03

Security at every layer

Financial data requires encryption at rest and in transit, strict access controls, and regular security audits. We engineer for this throughout the build, not as a final checklist item before launch.

How we work

Our expertise in fintech development

We treat compliance as an architecture concern, not a feature to add later. Before the first sprint, we map the regulatory surface area of your fintech product, KYC flow requirements, AML logic, data residency obligations, and audit trail needs, and make architecture decisions with these requirements built in. This prevents the expensive compliance retrofits that happen when a product approaching a license or investor due diligence discovers its infrastructure was never designed for it.

Security architecture for financial products is a design discipline, not a deployment checklist. Role-based access, encryption at rest and in transit, and immutable audit logging are designed at the database layer, not added as middleware after the core product exists. Payment flow atomicity, reconciliation logic, and idempotency keys are engineering concerns we have solved in production fintech systems, not concepts we are applying for the first time on your project.

Who we work with

Who hires us for this

Fintech Startup Founders
You have a regulated product idea, a wallet, lending platform, or investment tool, and need a team that understands both the technical implementation and the compliance layer simultaneously.
Product Managers at Banks and NBFCs
Your internal team is not built for fast digital product delivery. You need a specialist studio to build the customer-facing layer without the overhead of a large internal project.
B2B Payments and SaaS Founders
You need payment infrastructure, reconciliation logic, or financial reporting built into a broader SaaS product, and you want it done correctly the first time, not refactored six months later.
Why us

Why Plazmasoft for fintech development

Compliance-aware architecture from day one

KYC, AML, and data residency requirements are built into the system design from the start. This saves significant rework when your product approaches licensing, investor due diligence, or a regulatory audit.

Production gateway experience

Razorpay, Stripe, PayU, and open banking APIs are standard for us. We have navigated webhook edge cases, payment failure recovery flows, and reconciliation discrepancies that only surface under real transaction volume.

Financial data integrity as engineering

Double-entry logic, transaction atomicity, balance reconciliation, and idempotency key management are problems we have solved in production fintech systems, not implementation details to figure out mid-build.

Tech Stack

Tools and technologies

Laravel 11 Flutter PostgreSQL Redis Stripe API Razorpay PayU WebSockets KYC/AML APIs AWS
FAQ

Common questions

Yes. We have built payment and lending products that are architecturally aligned with RBI guidelines, including data localization requirements, audit trail design, and API security standards. We scope the regulatory requirements as part of the discovery phase.
Yes. We have integrated with open banking APIs, payment gateways, and banking data aggregators. We assess feasibility early in the project based on the specific API documentation and sandbox access available.
We integrate with KYC providers such as Digio or Signzy that handle Aadhaar-based or document-based verification. The KYC flow is built natively into the Flutter app with proper state handling for the verification steps.
AES-256 encryption at rest, TLS in transit, strict role-based access, no PII in application logs, HTTPS everywhere, and regular dependency audits. We follow OWASP guidelines throughout development and design with least-privilege access principles.
A focused fintech MVP, a wallet or payment dashboard, typically takes 10 to 16 weeks depending on the number of gateway integrations and compliance requirements. We scope this precisely after a discovery session, not from a generic estimate.
Yes. We have experience integrating with providers that support multi-currency wallets and cross-border payment rails. We assess the best provider based on your target corridors, settlement requirements, and regulatory constraints.
We do not store raw card data. All payment flows use tokenized payment methods via compliant gateways, Stripe or Razorpay, that handle PCI scope. For products that require PCI DSS certification, we design the architecture to minimize scope and document the controls required for your certification.
Yes. We have experience building credit assessment flows that integrate with credit bureaus, bureau data parsing, and lending decision engines. Regulatory compliance for NBFC-facing operations is scoped as part of every lending product engagement.
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