Lending platforms
Loan origination, underwriting workflows, disbursement, repayment schedules and collections.
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Payments, Lending & KYC
Fintech products must be fast for users and bulletproof for auditors. We build lending platforms, payment and wallet systems, KYC and onboarding flows and financial APIs, with security testing, audit trails and integrations with banks and licensed partners built in from day one.
What this covers
Typical timeline
A standard gateway integration takes 1–3 weeks; payout, BBPS or AEPS platforms are delivered in phases.
Who it is for
Our fintech work combines engineering with our in-house security practice: VAPT before launch, secure coding, encryption and least-privilege access. We integrate with regulated partners for KYC, payments and credit data rather than cutting compliance corners.
Discuss your requirementFintech startups building their first regulated product
NBFCs digitising loan origination and collections
Businesses adding payments, wallets or credit to their platform
Enterprises needing secure financial integrations
Capabilities
Loan origination, underwriting workflows, disbursement, repayment schedules and collections.
Payment APIs, wallets operated with licensed partners, and double-entry ledgers.
PAN checks, Aadhaar-based and video KYC, DigiLocker, bank account verification and CKYC through licensed providers.
Account Aggregator, credit bureau, payment gateway and banking APIs integrated securely.
VAPT, encryption, audit logs, maker-checker controls and documentation for partner audits.
Rules and models for fraud, credit risk and anomaly detection.
How we work
You always know what happens next, who is responsible and what you will receive at each stage.
Typical timeline
A standard gateway integration takes 1–3 weeks; payout, BBPS or AEPS platforms are delivered in phases.
Payment journeys, refund rules, settlement cycles and ledgers are defined.
Integration built and tested end-to-end in the provider sandbox.
Webhook signatures, idempotency, secrets handling and access controls verified.
Production keys, live test transactions and monitoring enabled.
Daily settlement matching and alerting so every rupee is accounted for.
Deliverables
Technology & standards
We recommend tools based on your scale, budget and existing systems, not on what is fashionable. Every choice is explained in the proposal.
Engagement models
A discovery workshop produces a written scope, architecture and milestone plan with a fixed price before any build commitment.
A cross-functional squad (PM, engineers, QA, DevOps) working in two-week sprints on your roadmap, billed monthly.
SLA-backed maintenance, security patching and a monthly allocation of enhancement hours after go-live.
How pricing works: Integrations are quoted per gateway and flow (checkout, subscriptions, refunds, payouts, split settlements). Gateway transaction fees are agreed directly between you and the provider.
Get a quoteFAQs
We are a technology partner, not a legal or licensing adviser. We build products that work with licensed partners such as banks, NBFCs and payment aggregators, and support the technical documentation your compliance advisers need.
Through licensed KYC and verification providers: PAN checks, Aadhaar-based and video KYC, DigiLocker document fetch and bank account verification, with consent capture and secure storage.
Encryption in transit and at rest, strict access control, audit logs, secure key management and VAPT before every major release, with data kept in India where required.
Yes. We integrate with Account Aggregator ecosystem providers to fetch consented financial data for lending and advisory use cases.
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Share a few details. A senior specialist reviews them and schedules a call to discuss scope, timeline and cost, with no obligation.
Receive preliminary project architecture, pricing tiers, and timeline estimates within 15 minutes under strict NDA.