Dashhold

Fintech Development

Fintech development for payment platforms, ledgers, and risk systems

Production-grade payment platforms, ledgers, and onboarding flows engineered for compliance, scale, and uptime.

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Capabilities

What we ship

Every fintech engagement starts with a clear list of what we are responsible for, and what your team owns.

  • Payment orchestration and ledger systems
  • KYC, KYB, and onboarding flows
  • Card issuing and program management
  • Risk, fraud, and AML tooling
  • Open banking and PSD2 integrations
Compliance & security

Compliance is a design input, not a checkbox

We have shipped systems audited against PCI DSS, SOC 2, and regional KYC frameworks. Compliance is part of the architecture, not a phase at the end.

  • PCI DSS Level 1 design and audit support

  • SOC 2 Type II controls and evidence

  • KYC, KYB, and ongoing AML programs

  • Encryption at rest and in transit, with HSM-backed key management

  • Regional data residency and policy-driven routing

  • Immutable audit trails for regulators and internal compliance

Technology stack

A boring, audited stack

We default to the tools with the longest production track record in regulated environments. Boring is a feature, not a bug.

Platform

  • TypeScript
  • Node.js
  • Go
  • Postgres
  • Temporal

Payments

  • Stripe
  • Adyen
  • Marqeta
  • Modern Treasury
  • ACH/SEPA/RTP

Identity & Risk

  • Onfido
  • Stripe Identity
  • Persona
  • Sift
  • Unit21

Cloud & Ops

  • AWS
  • GCP
  • Terraform
  • Datadog
  • PagerDuty

Outcomes

What success looks like in production

Outcomes from recent fintech engagements. We measure and report them weekly during the engagement, not just at the end.

  • Activation rate lifts of 25–40% on rebuilt KYC and onboarding flows
  • p95 latency under 500ms on regulated transaction paths
  • Multi-region launches without per-region code rewrites
  • Audit-ready balance reconstruction at any historical timestamp
  • Zero data loss during vendor failover events
Selected fintech work

Production systems, measurable outcomes

Digiway centralized payment operations dashboard with merchant, payout, and transaction views
Digiway FinTech / Payment Infrastructure

Digiway — Building a Scalable Payment Infrastructure Platform

A modern fintech ecosystem engineered to simplify merchant operations, payouts, transaction monitoring, and scalable payment workflows through a unified dashboard.

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JU Micro Solution Foundation centralized loan management dashboard overview
Micro Solution Foundation Finance / Loan Management

JU Micro Solution Foundation — Smart Loan Management Ecosystem

A multi-role loan management ecosystem with three field apps and a centralized web platform that lifted operational throughput 61% and brought dashboard responses under 140ms.

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Fintech FAQ

What buyers ask us about fintech engagements

Are you familiar with PCI DSS, SOC 2, and KYC requirements?
Yes. We have shipped systems audited against PCI DSS, SOC 2 Type II, and regional KYC frameworks. Compliance is a design input, not a checklist we bolt on at the end.
Can you build double-entry ledgers and reconciliation systems?
Yes. Append-only ledgers, journals, and end-of-day reconciliation are part of nearly every fintech engagement. We pair them with idempotent ingestion and immutable audit trails.
Which payment processors and rails do you integrate with?
Stripe, Adyen, Marqeta, Modern Treasury, ACH, SEPA, Faster Payments, RTP, and the major card networks. We design integrations behind clean internal interfaces so swapping providers later is straightforward.
How do you handle data residency and regional regulations?
We design platforms with regional partitioning, encrypted data stores per jurisdiction, and policy-driven routing. We have shipped systems live in the US, EU, UK, and APAC under different regulatory regimes.
Further reading

Field guides and definitions on fintech engineering

Background on the architectural decisions behind every fintech build.

Let's build it together

Building something regulated, latency-sensitive, or both?

Tell us what you are shipping. We will tell you whether we are the right team and what an honest path looks like.

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