Industry · Fintech
Fintech Software Development: Engineered for Scale and Accuracy
We build the software fintech companies move money on — payments, fraud and risk models, real-time decisioning, and regulatory reporting — reconciled against your ledger and correct under load.
By the team behind YardClub's $120M+ payment rails.
On top of your rails, integrated not replaced
The problem
Why fintech software is so unforgiving to ship.
In fintech the software is the product, and a bug isn't an embarrassment — it's a double charge, a stuck settlement, or a fraud window someone is already exploiting.
The hard part is the reconciliation, idempotency, millisecond decisioning, and audit trail that stay correct as a money-moving system scales — the engineering underneath the screens, not the screens.
projected global merchant losses to online payment fraud across 2023–2028 — about $91 billion in 2028 alone.
The window your fraud and decisioning layer has to close.
What we build
Where fintech software earns its keep — and what each use case delivers.
A set of high-leverage systems that sit on top of your payment rails and ledger. For each: what it does and the benefit it produces.
Payments & transaction infrastructure
The rails that take, route, and settle money, wired to processors and banking partners.
Benefit — money moves correctly and settlement reconciles, even under retries and partial failures.
Fraud detection & risk scoring
Scores activity for fraud in real time, flagging the genuine anomaly while letting legitimate volume through.
Benefit — more fraud caught earlier, with fewer false declines costing real revenue.
Real-time decisioning
Runs the approve / decline / step-up / review decision the moment a transaction arrives, with the reason captured.
Benefit — instant, consistent decisions that don't trade speed for safety, with an explanation attached.
Regulatory reporting & compliance automation
Assembles KYC/AML, transaction monitoring, and regulatory filings into auditable, repeatable pipelines.
Benefit — lower compliance cost, faster filings, an audit trail a regulator or partner bank can follow.
Embedded finance & developer APIs
Exposes payments, accounts, payouts, or lending as clean, documented, versioned APIs partners build on.
Benefit — faster partner integrations and new revenue, without a brittle integration surface.
Lending & credit decisioning support
The data and decisioning layer behind origination and underwriting, with a human owning every adverse decision.
Benefit — faster, more consistent decisions with the documentation a fair-lending review requires.
The measured impact
What this software does to fintech operations.
Independent third-party findings cited as industry evidence — not Silicon Prime's own client results.
Projected online payment fraud
in global merchant losses across 2023–2028, about $91 billion in 2028 alone — what fraud and decisioning is built to cut.
Worldwide card-fraud losses, 2023
the US carried 42.32% of them against just 25.29% of global card volume — an outsized exposure.
Global financial-crime compliance cost
the regtech burden a fintech inherits the moment it touches money — what automation is built to lower.
Payments infrastructure that moved $120M+ — proven in production.
We built YardClub's payments and transaction infrastructure end to end — the money movement and the reconciliation behind it. It processed $120M+ before YardClub was acquired by Caterpillar in 2017. The same engineering this page describes, in-domain and first-party — not a SaaS portfolio retold with fintech words.
The scope
What fintech software development covers.
The application and intelligence layer that runs on top of your processors, banking partners, and ledger — we build the software and integrate with your rails rather than becoming them.
Payments & transaction infrastructure
Payment acceptance, payouts, ledgering, and reconciliation against your processors and banking partners — idempotent, balanced to the cent, resilient to retries.
Fraud, risk & decisioning models
ML models that score transactions and applications for fraud and risk, validated against your historical data so alerts are trustworthy — with human review on consequential decisions.
Real-time decisioning & orchestration
The low-latency layer that turns policy and risk signals into an approve / decline / step-up / review decision in milliseconds, reason captured — on trusted data.
Regulatory reporting & compliance pipelines
Auditable, repeatable pipelines behind KYC/AML, transaction monitoring, and filings — so the audit trail holds up to a regulator or partner bank's diligence.
Developer-facing & embedded-finance APIs
Clean, documented, versioned APIs that expose your financial capabilities to partners and internal teams — capability into distribution, without a brittle liability.
Security, access & DevSecOps
Scoped permissions, encryption, and audit logging, with DevSecOps and engineering toward standards like PCI-DSS and SOC 2 — not bolting controls on at the end.
What you get — all assigned to you under full work-for-hire IP transfer
How it runs
One accountable lead, fixed scope, no handoffs.
The same delivery model behind all our work, tuned for a money-moving, regulated environment. Most engagements reach production in 4–8 weeks, full IP assignment signed at kickoff.
Discover
Scope the use case and the metric it targets, and confirm the data, rails, partners, and regulatory constraints it lives within.
Output: a ranked plan & the metric we'll be judged on
Integrate
Connect to your processors, banking partners, ledger, and systems of record through scoped integrations, with reconciliation and audit logging built in.
Output: a trusted, auditable transaction foundation
Build
Develop the application and, where it applies, train and validate the model against your historical data in your own cloud — with a security review and examinable transaction handling built in.
Output: a working system tested on your real data & traffic
Deploy & enable
Ship behind a staged rollout — shadow mode, pilot, then wide — prove the metric moves and the controls hold, and train your team to own it.
Output: a production system & a team that owns it
The track record
Payments infrastructure we built end to end — that moved $120M+.
We built YardClub — a heavy-equipment marketplace — end to end, including its payments and transaction infrastructure: the money movement and the reconciliation behind it. It processed more than $120 million before being acquired by Caterpillar in 2017.
To be precise, a marketplace's payment rails are not a chartered bank or a licensed processor — so for the regulated-entity pieces we build the software layer and integrate with your banking and processing partners. You remain the accountable regulated entity; we build the software and controls around that.
The same reliability bar holds every system we ship. Over four years we moved BJ's Restaurants, a 200+ location operation, from biweekly to twice-a-week releases with zero critical defects — the "move fast, never break the thing money depends on" standard a settlement pipeline has to meet.
Silicon Prime is a Stanford-rooted Responsible AI lab, founded in 2011, run by founder Kelvin Tran — 20+ years of production engineering, personally accountable for every engagement.
YardClub
Payments and transaction infrastructure built end to end — money movement, ledgering, and the reconciliation behind it. $120M+ processed; acquired by Caterpillar in 2017. In-domain, first-party payments engineering.
BJ's Restaurants
A 200+ location operation moved from biweekly to twice-a-week releases with zero critical defects across four years — the "never break the thing money depends on" standard a settlement pipeline must meet.
Why build it with us.
We've shipped payment rails that moved real money. YardClub's $120M+ in volume is first-party, in-domain proof — not a generic SaaS portfolio retold with fintech words.
Correct, fast, and auditable by design. We engineer toward standards like PCI-DSS and SOC 2 and fold in DevSecOps from the first commit, not as a pre-launch scramble.
Models you can defend, validated on your data. We validate fraud and risk models against your historical record before they go live, with human-in-the-loop review on consequential decisions.
Founder-led, built to transfer. One accountable lead; the code, models, and pipelines are assigned to you, with your team trained to run them when we step back.
Related work and reading
A fintech build rarely stands alone.
It leans on the same engineering we bring to neighboring work.
Banking software development
For regulated banks — digital banking on a core, AML at institution scale, examiner-ready reporting, and legacy-core modernization.
Banking software →Machine learning development
The fraud, risk, and decisioning models behind a fintech build — validated on your historical data so alerts are trustworthy.
ML development →Data & analytics engineering
The trusted-data foundation real-time decisioning and reconciliation run on — so every decision rests on data you can examine.
Data engineering →Questions buyers ask before they build.
Do you actually have fintech experience, or just adjacent work?+
Are you a bank, a payment processor, or a licensed money transmitter?+
How do you keep fraud and decisioning models trustworthy and explainable?+
How do you handle our data, security, and compliance constraints?+
Can you build the payments and reconciliation layer, not just a UI?+
What should we look for when choosing a fintech software development partner?+
Who owns the software and the models when you're done?+
How fast can we see something working, and what does it cost?+
Thirty minutes · No pitch deck
Ready to build fintech software that's correct under load?
Bring the product — payment rails, a fraud or decisioning model, regtech, embedded finance — and we'll tell you honestly what it takes to build, where the hard reconciliation really is, and what it costs to run.