[ FinTech ]
We build payment rails, lending platforms, digital banking apps and trading tools for funded fintechs and financial institutions, with KYC, ledgers and audit trails designed before the first transaction moves.
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Tokenized, PCI DSS scope reduced09/29
Built to pass audits
We map each requirement to architecture, process and evidence, so compliance reviews do not block every release.
Money products fail on trust, not features. These are the gaps that slow launches, worry regulators and push customers away.
Onboarding drop-off caused by slow, manual identity checks
Automated KYC and KYB with document capture, liveness checks and risk-based step-up through Onfido, Sumsub or Persona
Balances that drift because money moves in many systems
A double-entry ledger as the single source of truth, with daily reconciliation against bank and processor reports
Fraud and chargebacks rising faster than revenue
Real-time risk scoring, velocity rules and device signals that block bad actors before settlement
Legacy core banking that cannot ship features quickly
An API layer and event streaming around the core so new products launch without a risky full replacement
Audit and regulator requests that take weeks to answer
Immutable audit logs, maker-checker approvals and exportable evidence for SOC 2, PCI DSS and local regulators
Market data that lags on web and mobile during volatility
WebSocket streaming and efficient state handling that keep quotes and charts current under load, as on Power of Volatility
Payments, debt resolution and market research products running in production across three continents.
Countries
40+
countries served with local onboarding and KYC
Crypto payments
A crypto wallet and payment gateway that sends funds to a phone number, works offline and settles across chains.
Data latency
<100ms
from market feed to on-screen update
Options research
An Indian options research platform with four volatility strategies, live market data and paper trading.
Production systems that handle real money, with controls your compliance officer and your auditors can verify.
Card, ACH, SEPA, UPI and Pix acceptance through Stripe, Adyen or direct acquirer links, with tokenization and 3-D Secure.
Custodial and non-custodial wallets, stablecoin payments, gas abstraction and exchange integrations with clear fee handling.
Account opening, transfers, cards, statements and in-app support on top of your core or a BaaS partner.
Applications, underwriting rules, offers, disbursement, repayment schedules and collections in one system.
Identity verification, sanctions and PEP screening, transaction monitoring and SAR case management.
Double-entry ledgers, balance snapshots and automated matching against bank, card and blockchain records.
Streaming quotes, option chains, charting, alerts and portfolio analytics that stay fast on mobile.
Assistants for support, advisors and operations that answer from account data and policy documents, with full logging.
Regulatory reports, audit trails, consent records and evidence collection for internal and external audits.
Payments, credit and investing each carry their own rules and risks. We shape the architecture and controls around your license and markets.
Payments and walletsPayment facilitators, remittance startups and crypto companies moving money across borders and currencies.
Lending and creditConsumer lenders, BNPL providers, SME finance and debt resolution businesses that need fast, explainable decisions.
Banking and neobanksBanks, credit unions and neobanks modernizing channels or launching on banking-as-a-service partners.
Wealth and tradingBrokers, advisors and research platforms serving retail investors who expect live data and clear insight.
Models that reduce losses and manual work, with explainability and human review where regulation requires it.
Gradient-boosted models and graph features score each payment in milliseconds and route edge cases to analysts.
Cash flow data from open banking feeds credit models with reason codes that satisfy adverse action rules.
Pay stubs, bank statements and tax forms parsed into structured fields for underwriting and KYC review.
LLM summaries of alert history and counterparties so investigators close false positives faster and focus on real risk.
Guided conversations that collect debtor details and propose repayment plans, similar to workflows we built for Meu Nome OK.
Plain-language explanations of option strategies, filings and portfolio risk, grounded in live market data.
Payments, ledgers, KYC and lending flows built by senior engineers who design for audits from the first sprint.
Talk to a FinTech LeadIndicative starting prices. You get a fixed quote after a free 30-minute scoping call.
Onboarding, KYC, wallet or account view, one payment provider
3 to 6 weeks
from$8,000
Gateway, ledger, payouts, merchant dashboard, reconciliation
10 to 14 weeks
from$35,000
Origination, decisioning, servicing, collections, borrower app
12 to 18 weeks
from$45,000
Core or BaaS integration, cards, real-time data, compliance tooling
5 to 9 months
from$90,000
The capabilities customers, partners and regulators look for in a financial product.
Tools chosen for correctness, auditability and predictable performance under peak load.
“I had the pleasure of working with Sajal Tech on a travel website, and it was an incredible experience from start to finish. They demonstrated professionalism, clear understanding of requirements, and excellent communication throughout.”
Still deciding? A 30-minute call usually answers the rest.
Ask Us DirectlyA focused fintech MVP starts from about $8,000, a payments or wallet platform from $35,000, a lending platform from $45,000 and a digital bank or trading platform from $90,000. Licensing partners, KYC vendors and card issuers add their own fees, which we estimate during scoping.
Often not at the start. Many fintechs launch on a licensed BaaS, payments or custody partner and apply for their own license later. We help you choose an architecture that works with partners now and can move to your own license without a rebuild.
We use hosted fields and tokenization from your processor so raw card numbers never reach your servers, which keeps most of your system out of PCI scope. Where you must store card data, we isolate it in a segmented environment with encryption, key rotation and access logging.
We have integrated Onfido, Sumsub, Persona, Jumio and ComplyAdvantage, and we pick based on your markets, document types and pricing. Results flow into a case management view so your compliance team can review and decide in one place.
Yes. We built Paycio, a crypto wallet and payment gateway used in 40+ countries, with gas abstraction that cut failed sends by 85%. We work with custody providers such as Fireblocks or build non-custodial wallets, depending on your regulatory position.
Every movement of money is recorded in an append-only double-entry ledger, so balances are derived rather than edited. Idempotent APIs prevent duplicate charges, and daily reconciliation jobs flag any mismatch with banks or processors.
Yes, usually step by step. We wrap the core with an API and event layer, move new products onto modern services and retire legacy modules only when the new path is proven in production.
We use models that provide reason codes, test them for bias across protected groups and keep a human in the loop for declines or account freezes. Every decision is logged with its inputs so you can explain it to customers and regulators.
You do, fully. All source code, infrastructure scripts and documentation transfer to you, and we sign an NDA before any sensitive discussion.
Book a free strategy call and leave with a clear plan and estimate. No commitment.