Fintech
Financial products built to the security and regulatory standard the category requires.
Financial software is judged differently. A bug is not an inconvenience, it is a reconciliation problem, a regulatory event, or somebody money in the wrong place.
We build fintech platforms - banking, lending, payments and investment - where correctness, auditability and regulatory compliance are architectural decisions rather than testing afterthoughts.
What we build for Fintech businesses
- Digital banking - Account onboarding, balances, transfers, card management, statements and spend categorisation.
- Lending platforms - Application flows, credit decisioning, affordability assessment, servicing and collections.
- Payments infrastructure - Card, bank transfer, direct debit and open banking rails with reconciliation and settlement.
- Investment and wealth - Portfolio management, order routing, reporting and automated advice within regulatory boundaries.
- KYC, AML and fraud - Identity verification, sanctions and PEP screening, transaction monitoring and case management.
- Ledger and reconciliation - Double-entry ledgers, immutable transaction history and automated reconciliation against providers.
Why Fintech teams choose Prophecius
- Correct by construction - Double-entry ledgers and idempotent transaction handling prevent the class of bug that loses money.
- Regulatory posture - Audit trails, data retention, reporting and controls designed for the regime you operate under.
- Security at the standard expected - Encryption, secrets management, penetration testing and secure development practice throughout.
- Open banking ready - PSD2 and open banking integration for account aggregation, payment initiation and affordability data.
Fintech questions we are asked most
Do we need our own licence, or can we use a BaaS provider?
Both routes are common. Banking-as-a-service or an e-money agent arrangement gets you to market far faster with less capital; your own licence gives control and better long-term economics at scale. We build for either, and the choice is commercial before it is technical.
How do you ensure transactions cannot be duplicated or lost?
Through idempotency keys on every money movement, a double-entry ledger as the source of truth, and automated reconciliation against provider statements. Discrepancies surface as alerts within the day rather than at month end.
What security standards do you build to?
Encryption in transit and at rest, hardware-backed key management, least-privilege access, comprehensive audit logging, dependency scanning and independent penetration testing before launch - plus PCI DSS scope minimisation where card data is involved.
Start your Fintech project
Tell us what you are building and where it needs to work. We will come back with an honest view of scope, sequencing and what it takes to launch.
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