Industry — FinTech & Banking

FinTech software with audit trails baked in.

Lending engines, KYC/AML pipelines, ledgers, reconciliation tooling, and compliance dashboards — built AI-first and PCI DSS aware from the first commit, with senior engineers reviewing every line.

What is it? Kinisys builds FinTech and banking software — lending engines, KYC/AML pipelines, double-entry ledgers, reconciliation tooling, and compliance dashboards — using AI agents directed by senior engineers. We're equipped to design for PCI DSS, KYC/AML, and Open Banking from day one, with immutable audit trails throughout. You own 100% of the code in your GitHub from commit one.

What we build for FinTech

  • Lending & underwriting engines — application flows, decisioning rules, disbursement and repayment tracking.
  • KYC/AML pipelines — identity verification, document checks, sanctions and PEP screening, and case management.
  • Ledger & accounting systems — double-entry ledgers, balances, and money movement designed to stay consistent and auditable.
  • Reconciliation tooling — automated matching across processors, banks, and internal records, with exception queues.
  • Compliance dashboards — reporting, audit trails, and access controls regulators and auditors expect.

Compliance & considerations

FinTech lives and dies on trust, so we design with the relevant standards in view from the architecture stage rather than retrofitting them later. That means PCI DSS-aware handling of card data (tokenization, segregation, encryption), KYC/AML workflows that fit your regulatory regime, and Open Banking and account-aggregator integrations built to be testable and reconcilable. Immutable audit trails and role-based access run through every layer. We're equipped to support your formal certification and audit process — certification itself is achieved with your auditors and regulators.

Explore other verticals we build for.

Healthcare & MedTech

Patient portals, clinician workflows, EHR integrations — HIPAA-aware from the first commit.

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B2B SaaS & Marketplaces

Multi-tenant SaaS, billing engines, partner APIs, and admin consoles built AI-first.

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Real Estate & PropTech

Listing platforms, tenant portals, lease analytics, and document automation.

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FinTech development questions.

How do you handle compliance like PCI DSS and KYC/AML?
We design with PCI DSS, KYC/AML, and data-residency requirements in mind from the architecture stage — tokenization of card data, segregated environments, encryption, and immutable audit trails. Our senior engineers review every line so security controls are built in, not bolted on. We are equipped to support your formal certification and audit process, though certification itself is achieved with your auditors.
Can you integrate with banking rails and Open Banking APIs?
Yes. We build integrations with payment processors, card networks, account-aggregator and Open Banking APIs, UPI and NEFT/RTGS rails, and core banking systems. We design the integration layer to be testable, idempotent, and reconcilable so money movement stays consistent and auditable.
How long does a FinTech build take?
A focused first version — for example a lending workflow or a reconciliation dashboard — typically ships in 4–6 weeks under senior review. Regulated, multi-system platforms are delivered in phases, each with a fixed price and timeline, so compliance and audit needs are addressed before launch rather than after.

Ready to build your FinTech product?

Tell us what you want to build, your rough timeline, and any budget range. We reply within one business day.

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