Ship AI fintech software without losing a night’s sleep

Designed so each payment moves once

Idempotency keys on every money-moving call, state machines that resume from the last committed step, and reconciliation jobs that compare the ledger to the processor. A retry is designed not to charge twice, and a crash resumes instead of leaving a payment half-done.

Permissions enforced where the data lives

Roles and row-level policies enforced at the database and API gateway, not in controller code. Service accounts are scoped per integration, and the next feature inherits the rules instead of rewriting them.

A record that writes itself, as it happens

Append-only audit logs on money, accounts and permissions, capturing actor, action, timestamp and reason at the point of change. When the regulator asks, the query already returns the answer.

Integrations that don’t take your product down with them

Plaid, Stripe, core banking, ERPs and payroll providers sit behind adapters with retries, circuit breakers, rate limiting and versioned contracts. When a provider fails or changes, the failure stays contained.

AI that knows when to ask a human

Models for transaction classification, document extraction and support run against evals, with confidence thresholds and human review queues wherever a wrong answer has a price. Every decision is traceable to the model and input that made it.

Compliance designed in from the start

PCI scope, SOC 2-aligned controls and KYC/AML flows are mapped in the architecture, not in the last sprint. Review confirms what’s already there instead of forcing a rebuild.

Digital banking and lending platforms

Customer-facing banking from onboarding to servicing: account opening, KYC, loan applications and calculators, e-signing, multi-user permissions. Deployable to your private cloud.

Best for:Banks and lenders modernizing customer-facing products

Payments and marketplaces

Deposits, payouts, split payments, tabs and subscriptions on top of Stripe or your processor, each flow idempotent, reconciled and resumable from day one.

Best for:Marketplaces, hospitality tech, embedded finance in non-fintech products

Accounting, ERP and financial operations

Fund accounting, AP/AR, payroll, compliance reporting and close automation for organizations whose numbers get audited.

Best for:Finance teams, public-sector and education finance, mid-size operators

Expense, receipt and document AI

Receipt recognition, expense classification and reimbursement workflows with two-way sync to QuickBooks and ERPs, backed by evals and human review wherever the model can be wrong.

Best for:Expense platforms, bookkeeping tools, finance automation products

Agentic workflows for regulated environments

AI agents that draft, classify, reconcile or answer, running inside guardrails, audit logs and approval steps designed for compliance review.

Best for:Fintechs and institutions adding AI without adding regulatory risk

Compliance, security and audit readiness

PCI-scoped, SOC 2-aligned and KYC/AML architecture, access-control design and audit-trail implementation for products that are already live.

Best for:Teams hardening an existing fintech product before scale or an audit

A ledger the CFO can reconcile

Pricing, fees and balances computed in pure, tested code, with reconciliation reports that tie every transaction to the processor. Month-end closes on the numbers, not on a spreadsheet of exceptions.

An access model the auditor can verify

Roles, permissions and row-level policies documented and enforced in the data layer, with a permission matrix that maps directly to what the code does. Any reviewer can check the two match.

An audit trail the regulator can query

Every consequential action logged with who, what, when and why, including what an AI agent built, under which rule, and who signed off. Delivered as a queryable log, not a PDF assembled after the fact.

A compliance record that grows with the code

Each SOC 2, PCI or KYC requirement traced to the code and tests that satisfy it, updated on every change. When the audit comes, the evidence is already there.

We’ve built the receipt AI and the books sync

For SaveIT, we rebuilt receipt recognition on Claude running on AWS Bedrock inside SaveIT’s own cloud account, with confidence scoring and a needs-review guard, and reworked its two-way QuickBooks Online sync.

We’ve built the ledger

Vero’s K-12 ERP handles fund accounting, AP/AR, payroll and compliance reporting for districts whose books get audited, with, in the client’s words, no margin for error.

We’ve built the payment flow that doesn’t double-charge

Vitality Access’s deposit path checks for an already-succeeded payment before charging, so a resumed checkout produces one payment, not two.

We’ve built AI a regulator can read

Receipt AI, anomaly detection and agentic workflows running inside enforced rules, with human sign-off on anything that moves money or changes a record, and a dated log of every approval.

We treat compliance as design input

Security and audit requirements enter the plan in discovery, where they’re cheap, as rules every agent reads and automatic checks enforce, not at launch, where they’re a rebuild.

Senior team, in your time zone

The architect who designs the money path is the engineer who ships it. Pacific time, Silicon Valley, an office you can visit.