Fintech software development
Payments, fraud detection, and real-time decisioning — built correct under load.
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.
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.
Payments and 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 and 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 and compliance automation
Assembles KYC/AML, transaction monitoring, and regulatory filings into auditable, repeatable pipelines. Benefit — lower compliance cost, faster filings, and an audit trail a regulator or partner bank can follow.
Embedded finance and developer APIs
Exposes payments, accounts, payouts, or lending as clean, documented, versioned APIs partners build on. Benefit — faster partner integrations and new revenue from distribution, without a brittle integration surface.
Lending and 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.
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 and transaction infrastructure
Payment acceptance, payouts, ledgering, and reconciliation against your processors and banking partners — idempotent, balanced to the cent, resilient to retries and partial failures.
Fraud, risk, and decisioning models
The machine-learning models that score transactions and applications for fraud and risk, validated against your historical data so alerts are trustworthy — with human-in-the-loop review on consequential decisions.
Real-time decisioning and orchestration
The low-latency layer that turns policy and risk signals into an approve / decline / step-up / review decision in milliseconds, with the reason captured — built on trusted data through our data engineering work.
Regulatory reporting and compliance pipelines
Auditable, repeatable pipelines behind KYC/AML, transaction monitoring, and regulatory filings — so the audit trail holds up to a regulator or partner bank’s diligence.
Developer-facing and embedded-finance APIs
Clean, documented, versioned APIs that expose your financial capabilities to partners and internal teams — turning a capability into distribution, without a brittle liability.
Security, access, and DevSecOps
Scoped permissions, encryption, and audit logging, folding in our DevSecOps practices and engineering toward standards like PCI-DSS and SOC 2 — not bolting controls on at the end.
What you get when you hire us — all assigned to you under full work-for-hire IP transfer
- The working software in your own cloud environment
- The trained and validated models
- The payment, decisioning, and reconciliation logic
- The data pipelines and integrations
- The audit and monitoring artifacts
- Runbooks and a trained team
Payments infrastructure we built end to end — that moved $120M+
Here is the in-domain record, with the founder accountability behind it.
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 in transactions before YardClub was acquired by Caterpillar in 2017 — the same engineering this page describes, proven in production.
The same reliability bar holds every system we ship. Over four years we moved BJ’s Restaurants, a 200+ location operation, from biweekly releases to twice-a-week shipping with zero critical defects — the “move fast, never break the thing money depends on” standard a settlement pipeline has to meet.
The reliability bar — a stat we hold every system to
- BJ’s Restaurants: 200+ locations moved from biweekly to twice-a-week releases
- Zero critical defects, sustained across four years
- Evals before release · staged rollout · continuous monitoring
- The same “never break the thing money depends on” standard
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. If your problem is a stretch, we’ll tell you and scope a contained pilot to prove it first.
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.
Questions buyers ask before they build
Do you actually have fintech experience, or just adjacent work?+
Genuine, in-domain experience. We built YardClub’s payments and transaction infrastructure end to end — the money movement and reconciliation behind a marketplace that processed $120M+ before Caterpillar acquired it in 2017. That’s real payments engineering, not a generic portfolio. A marketplace isn’t a chartered bank or licensed processor, so for regulated pieces we build the software and integrate with your banking partners.
Are you a bank, a payment processor, or a licensed money transmitter?+
No — we’re a software and AI firm building the application and intelligence layer fintech products run on: payment infrastructure, fraud and decisioning models, regulatory-reporting pipelines, and developer APIs. We integrate with your processors, banking partners, and rails rather than becoming them, and don’t sell a charter or license. You remain the accountable regulated entity; we build the software and controls.
How do you keep fraud and decisioning models trustworthy and explainable?+
We validate every model against your historical data before it goes live — measuring detection and false-positive rates on your own record, not a vendor benchmark — and put human-in-the-loop review on regulatory or customer-impact decisions. Online payment fraud is projected to exceed $362 billion globally for 2023–2028 (Juniper Research, June 2023), so explainability and an examinable trail are built in.
How do you handle our data, security, and compliance constraints?+
The software runs in your own cloud under your access controls; integrations to processors, banking partners, and systems of record are scoped, permissioned, and audit-logged; and every engagement starts with an NDA and security review. We engineer toward standards like PCI-DSS and SOC 2 and document every data path so your teams verify rather than trust. You stay the accountable regulated entity.
Can you build the payments and reconciliation layer, not just a UI?+
Yes — that’s the core of the work. We build payment acceptance, payouts, ledgering, and reconciliation against your processors and banking partners, with idempotent transaction handling that survives retries and partial failures and balances to the cent. The reconciliation, edge cases, and failure modes are the job; the screens on top are the easy part once the rails are correct.
How is this different from your banking work?+
Our banking software development page is for banks and institutions — digital banking on a core, fraud and AML at institution scale, examiner-ready reporting, legacy-core modernization. This page is for fintech and payments companies building new products: payment rails, real-time decisioning, fraud models, regtech, embedded finance. The rigor is shared; legacy-core and examiner weight are heavier in banking, speed-to-market here.
Who owns the software and the models when you’re done?+
You do — completely. The applications, payment and decisioning logic, trained models, data pipelines, and audit artifacts transfer under full work-for-hire IP assignment signed at kickoff, and your team is trained to operate, retrain, and examine them. Keep us on a reduced retainer or take the keys; the engagement is built around the handover, not around locking you in.
How fast can we see something working, and what does it cost?+
Most engagements reach production in 4–8 weeks under a fixed-scope, ROI-tied model with one accountable lead, and we typically prove the metric on a contained pilot before scaling. Build cost depends on scope — our AI development cost guide gives real ranges — and we set the target metric at kickoff so value is measured against a baseline.
Thirty minutes · No pitch deck
Ready to build fintech software that’s correct when money is on the line?
Bring the problem you want to attack — a payment flow that has to reconcile, fraud losses you can’t rule your way out of, a decisioning latency budget, a compliance grind — and we’ll tell you honestly whether the data and rails support it, what it takes to build, and what it costs to run.