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.
Related industries
Explore other verticals we build for.
Healthcare & MedTech
Patient portals, clinician workflows, EHR integrations — HIPAA-aware from the first commit.
Learn more →B2B SaaS & Marketplaces
Multi-tenant SaaS, billing engines, partner APIs, and admin consoles built AI-first.
Learn more →Real Estate & PropTech
Listing platforms, tenant portals, lease analytics, and document automation.
Learn more →FAQ
FinTech development questions.
How do you handle compliance like PCI DSS and KYC/AML?
Can you integrate with banking rails and Open Banking APIs?
How long does a FinTech build take?
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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