Industries /FinTech & Banking
FinTech & banking

Money moves
on rails
we ship.

Compliance is non-negotiable; the user experience can't suffer for it. We build payments, lending, and ledger products where audit teams and growth teams both win — auth, reconciliation, and key handling done right the first time.

PCI-DSS scoped SOC 2 baked in p99 < 150ms auth
Why Entalogics for FinTech

Four things every
FinTech build actually needs.

A founding-team-grade build for products where mistakes cost money — literally. The non-negotiables, in our own words.

Threat-modeling01

Security is the architecture, not a layer.

Key handling, signing flows, and blast-radius limits are decided before the first endpoint is written. Audits become a checkbox, not a fire drill.

Latency02

120ms p99 auth, even on a bad day.

We size the data path for the worst Tuesday afternoon — not the demo. Card auth, ledger reads, fraud scoring all stay under SLA when traffic doubles.

Reconciliation03

Money is right. Always. By design.

Double-entry ledgering, idempotent writes, and end-of-day reconciliation are non-optional. Finance ops never opens a ticket asking why a number doesn't match.

Auditability04

Every change, every actor, on the record.

Tamper-evident logs, signed releases, and reversible deploys. Your auditor walks the trail without our help.

What we ship

Six product surfaces.
One quality bar.

The shapes of FinTech work we've shipped most often — each with the integrations we reach for first.

P01
Payment rails & orchestration
Multi-PSP routing, retry logic, dunning, smart-fallback acquirers. Authorization rate up; cost-of-acceptance down.
STRIPEADYENBRAINTREEPAYPAL
P02
KYC / AML pipelines
Document verification, liveness, sanctions screening, ongoing monitoring. SLA-bound onboarding.
JUMIOALLOYPERSONACOMPLY
P03
Underwriting & loan origination
Scorecards, decisioning trees, manual review queues, e-sign, funding orchestration.
PLAIDNOVAFINICITYDOCUSIGN
P04
Trading & portfolio dashboards
Real-time P&L, positions, risk, order tickets. Sub-50ms refresh; FIX gateway when needed.
IEXPOLYGONALPACAFIX
P05
Card issuance & ledgering
Program management, virtual + physical cards, double-entry ledger, dispute workflow.
MARQETALITHICGALILEOSTRIPE-ISSUE
P06
FinOps & reconciliation
Bank-statement matching, settlement files, GL exports, finance-team tooling that actually gets used.
CSVNETSUITEQUICKBOOKSSFTP
The bar

Compliance,
wired into delivery.

The controls we wire into the architecture from week one — not a checklist we hand to legal at the end. Every row below has carried us through an audit.

Tokenisation
PAN replaced at edge; never lands in app tier.
PCI-DSS · SAQ D
Encryption
TLS 1.3 in transit. AES-256 + customer-managed KMS at rest.
PCI · SOC 2
Auth & RBAC
OIDC, MFA, SSO; role boundaries enforced at the database row.
SOC 2 · ISO 27001
Audit logs
Append-only event store; tamper-evident hashes; 7-yr retention.
SOX · SOC 2
Key management
HSM-backed signing for high-value flows; rotation automated.
PCI · NIST 800-57
Data residency
Per-tenant region pinning; encrypted backup replication.
GDPR · DORA
Signature case

A multi-region
card-issuing platform.

A B2B card-issuing platform serving fintech operators in three regions. We came in pre-launch with the architecture in flux, the ledger half-built, and the PCI auditor scheduled.

BEFORE
p99 auth 480ms · ledger drift weekly · PCI scope across 14 services
AFTER
p99 auth 120ms · zero drift · PCI scope reduced to 2 services
p99 card-auth latency120ms
annualised volume$2.4B
PCI controls passed first audit47/47
reconciliation breaks since launch0
Engagement shape

Eight weeks to
a defensible build.

A typical FinTech engagement, end-to-end. Compliance work runs in parallel from week one — never bolted on at the end.

W01–02
Threat model + ledger sketch
Two senior engineers + Umar in the room. Threat model, data classification, ledger design. Compliance posture decided before any code is written.
W03–05
Core build
Auth flows, ledger writes, payment-rail integrations. Each sprint ships a testable vertical slice. No stubs that get replaced later.
W05–08
Hardening + scale
Performance, fraud rules, dispute workflow, finance-team tooling. Load-tested at 10x expected peak. Runbook drafted alongside the build.
W09+
Audit + handoff
PCI / SOC 2 evidence collected as a side-effect of the build. Code, infra, and runbook handed to your team or kept on retainer — your call.
Stack

Tools we
Tools we reach
reach for for first.

Picked by problem, not by resume. We're happy to swap into your stack — but on a green-field FinTech build, this is the default.

Languages
Go · TypeScript · Rust (signing layer)
Data
Postgres · ClickHouse · Kafka · Temporal
Identity
WorkOS · Auth0 · Cognito · OIDC + SAML
Payments
Stripe · Adyen · Marqeta · Lithic · Plaid
Infra
AWS (VPC-isolated) · GCP · Terraform · Kubernetes
Observability
Datadog · Honeycomb · Grafana · Tempo · OpenTelemetry
FAQ

Sharp questions,
straight answers.

Yes — our delivery process produces audit evidence as a side-effect. We've walked teams through SOC 2 Type I & II and PCI SAQ D first-time passes. We don't replace your auditor, but we make their job short.
Either. The stack on this page is what we pick green-field. On takeovers we slot into Java, .NET, Ruby, or whatever your team already runs — we just bring the FinTech-specific patterns with us.
A vertical slice in staging is usually 4–6 weeks; a production-ready issuing or acquiring stack is typically 10–14 weeks of senior engineering. We scope a fixed-price MVP after a 30-min call.
Per-tenant region pinning at the data layer, customer-managed KMS keys, and replicated backups inside the contracted region. Architecture is decided before week one, not retrofitted for a European deal.
Yes. No staffing swaps, no offshore relay. The lead engineer who runs the threat model writes the production code and sits in the audit walkthrough.
Founder-direct

Tell us what
Tell us what you're
you're moving.

Thirty minutes with the founder. We'll bring a senior FinTech lead, the relevant playbook, and a candid read on whether your problem is one we should take.