Industry Fintech
Stripe Connect, Plaid, KYC integrations, audit trails, PCI-aware architecture, SOC 2 readiness. We ship the unsexy compliance plumbing that keeps fintechs off a regulator letter and inside an enterprise procurement deal.
Why this industry
The first is security. The first enterprise client runs a vendor security review and the founder discovers their stack does not pass. The second is compliance. A regulator information request lands and the audit trails do not exist. Both are preventable on day one. Both are extremely expensive on day 365.
We have shipped Laravel back-ends for payments, lending, and digital asset platforms since 2019. We sign NDAs. We document architecture for SOC 2 auditors. We harden security to enterprise-procurement standards before the first sales conversation. The work is unglamorous and it is what determines whether a fintech gets to year three.
What we work with
01
You shipped v1 on a no-code stack or a junior team and the security review at the first enterprise client lit up. You need a hardened back-end before the next due-diligence questionnaire.
A Laravel back-end that passes a SOC 2 readiness review.
02
Stripe Connect, Adyen MarketPay, Plaid, Dwolla, custom payment rails. We build the orchestration layer, the reconciliation engine, the dispute flow, and the audit logs.
A payments stack that survives a financial audit two years post-launch.
03
Custodial and non-custodial wallets, on-ramp integrations, KYC and AML workflows, exchange APIs, treasury management. The unsexy compliance plumbing that keeps the business off a regulator letter.
A digital asset platform that passes a regulator information request.
04
Credit underwriting workflows, document collection, decision engines, loan servicing, repayment tracking. Integration with credit bureaus, identity verification, and bank account verification.
A lending platform that originates loans without manual file shuffling.
What we build
01
Every state-changing action logged with actor, timestamp, before-and-after. Audit logs that survive a forensic review. Role-based access controls that map to organizational structure.
Audit trails that the compliance team can pull a six-month report from.
02
Stripe Connect for marketplaces, Stripe Treasury for embedded finance, Plaid for bank account verification and balance data, custom webhook handlers with retries and dead-letter queues.
Payment integrations that handle 99.99 percent of edge cases without manual touch.
03
Persona, Onfido, Jumio, Trulioo, or custom KYC flows. Document collection, identity verification, sanctions screening, ongoing monitoring, suspicious activity reports.
KYC pass rates above 90 percent and zero compliance escalations.
04
Tokenization through the gateway so card data never touches our servers. SAQ-A scope. Network segmentation, encryption at rest and in transit, key rotation, vulnerability scanning. We document the architecture for your assessor.
A documented PCI-aware architecture for your QSA review.
05
Access controls, encryption, logging, monitoring, incident response runbook, vendor management, change management. We do not certify SOC 2, we make you ready for the auditor.
A security posture that the SOC 2 auditor can sign off on with minimal remediation.
06
Bank reconciliation, ledger postings, treasury sweeps, multi-currency handling, FX management. The accounting plumbing that keeps the CFO from spending Monday in spreadsheets.
A treasury system that closes the books in two days, not two weeks.
0
regulator escalations on the fintech back-ends we have shipped
Audit trails verified, KYC pass rates documented, SOC 2 readiness reviewed.
Common questions
Laravel is mature, secure by default, and the ecosystem has the integrations fintech needs. Stripe, Plaid, Persona, Snowflake, and most identity vendors have first-class Laravel libraries. The framework supports queues, jobs, scheduled tasks, and audit logging out of the box. We ship Laravel because we ship faster on Laravel without sacrificing security.
We are not SOC 2 certified ourselves. We make our clients SOC 2 ready. SOC 2 is an audit of organizational controls, not a vendor checkbox. We document architecture, access controls, change management, and incident response so your SOC 2 auditor has the evidence they need.
We tokenize through Stripe, Adyen, or your gateway of choice. Card data never touches our servers, which keeps you in PCI SAQ-A scope. We document the architecture for your assessor and harden the supporting infrastructure to match. We do not run on-soil card processing.
Every state-changing action is logged with the actor, timestamp, source IP, and before-and-after data. Logs are immutable, retained for the regulatory period, and queryable for compliance reporting. We have built audit trails that survived a regulator information request without escalation.
Yes. Standard mutual NDA available before any architecture detail is shared. We can also sign your template if your legal team has one in place. We have signed NDAs with payment processors, banks, and crypto custodians.
Security hardening for an existing app are scoped per project. Greenfield Laravel back-ends are scoped per project and scale with feature scope. Lending or crypto platforms with full KYC integration are scoped after discovery. Discovery call is free and we sign NDAs before architecture detail is shared.
Working in fintech?
Discovery call is free. NDA on request. Compliance documentation available before signing.
