FINTECH
ENGINEERING
AT SCALE
Production-grade fintech infrastructure built for scale. From digital banking to crypto exchanges, we deliver PCI DSS Level 1, SOC 2 Type II compliant systems handling billions in transactions.
Level 1
Type II
Compliant
Compliant
Integrated
Certified
Industry Challenges
The hardest problems fintech companies face — and why most engineering teams struggle to solve them alone.
Regulatory Compliance
Navigating PCI-DSS, PSD2, AML/KYC, and evolving global financial regulations while moving fast.
Real-time Processing at Scale
Processing millions of transactions per second with sub-100ms latency and zero tolerance for downtime.
Fraud & Risk Management
Sophisticated fraud patterns, account takeovers, and money laundering schemes costing billions annually.
Cross-border Complexity
Multi-currency, multi-jurisdiction operations with fragmented payment rails and varying regulations.
Security & Data Protection
Protecting sensitive financial data from breaches, ransomware, and insider threats with zero room for error.
Legacy System Modernization
Migrating monolithic core banking systems to cloud-native architecture without disrupting operations.
Our Solutions
End-to-end fintech solutions from digital banking to crypto exchanges.
Digital Wallets & Payment Apps
Enterprise-grade secure payment solutions with multi-currency, fiat on-ramps, and tokenized card integrations.
- 40+ currency support
- P2P and batch transfers
- QR and NFC payments
- Virtual and physical cards
- Push notifications and analytics
Banking Infrastructure
Core banking systems with real-time processing, KYC/AML automation, and API-first architecture.
- Real-time transaction processing
- Integrated KYC/AML screening
- SWIFT and ISO 20022
- RESTful and GraphQL APIs
- Multi-tenant architecture
Investment & Wealth Platforms
Robo-advisors, portfolio management, and algorithmic trading with institutional-grade analytics.
- AI-powered portfolio allocation
- Real-time market data feeds
- ETF and cryptocurrency support
- Tax-loss harvesting
- Investor reporting
Payment Processing & Acquiring
High-volume payment gateways supporting 200+ card types and alternative payment methods.
- Multi-acquirer routing
- Real-time fraud prevention
- Subscription billing
- Automatic reconciliation
- Chargeback handling
Lending & Credit Solutions
Digital lending platforms with automated underwriting, document verification, and collections management.
- ML-powered credit scoring
- Automated loan origination
- OCR document verification
- Automated collections
- Regulatory reporting
Cryptocurrency & DeFi
Production-grade crypto exchanges, custodial wallets, and DeFi protocol integrations.
- High-performance exchange engines
- Smart contract audits
- Multi-signature custody
- Yield farming integrations
- Cross-chain bridge support
Fintech Tech Stack
Battle-tested technologies chosen for performance, security, and regulatory compliance.
Client Success Stories
Neo-Bank Platform: 0 to 1M Users
Series B Digital Bank (EU)
Crypto Exchange: $500M Daily Volume
Tier-1 Crypto Exchange (US)
Lending Platform: 10x Origination Speed
Consumer Lending Fintech (UK)
Platform Capabilities
Integration Partners & Ecosystem
Our Implementation Process
Compliance Architecture
Map regulatory requirements, design compliance-first data architecture, and draft your DPA/BAA agreements.
Core System Design
Architect event-driven, microservices core with CQRS/Event Sourcing for full audit trails and replay capability.
Security Hardening
Implement HSM-backed key management, AES-256 encryption, mTLS, and penetration testing from day one.
Integration & Testing
Connect payment rails, KYC/AML providers, and banking partners with comprehensive load and chaos testing.
Compliance Audit & Launch
Conduct PCI DSS audit, SOC 2 readiness assessment, regulatory submission, and phased production rollout.
Proven ROI
Average outcomes across our fintech client portfolio.
Client Testimonials
"Fixl built our entire core banking infrastructure in 9 months. We passed PCI DSS Level 1 audit on first attempt and launched to 100K beta users without a single critical incident."
"The Rust-based matching engine they built handles 500K transactions per second. Our old platform could barely do 10K. The performance improvement was literally 50x."
"They understood our KYC/AML obligations better than most compliance consultants. The automated screening they built has a false positive rate under 0.3%."
Frequently Asked Questions
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