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Fintech Engineering · ISO 27001 Certified · BFSI-Grade Security

Fintech platforms built for compliance, scale, and speed.

We engineer payment systems, KYC platforms, trading infrastructure, and secure API layers for banks, insurers, and fintech companies.Watch a transaction move through OAuth authentication, AI fraud detection, and Kafka event streaming - settled in under 50ms.

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Fintech Platform Architecture
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OAuth 2.0 + JWT Security Layer
Secure
🤖
AI Fraud Detection Engine
AI/ML
⚡
Kafka Event Streaming
Real-time
🏗
Java + Spring Boot Microservices
Scalable
🗄
PostgreSQL + Redis Cache
HA
✅
ACH / RPPS Compliance Layer
Compliant
Payment throughput 3× ↑ after refactor
5+
Fintech platforms delivered
100K+
Transactions/day handled
<50ms
Target API latency
ISO
27001 certified security
Our fintech capabilities

Five areas where we
go deep on fintech.

All case studies →

ACH / RPPS Payment Platforms

Secure, high-volume payment infrastructure for money transfers and bill payments, with AI-driven fraud detection and full regulatory compliance.
ACH PaymentsRPPS Fraud DetectionKafka PCI-DSS
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Video KYC Platforms

AI-powered identity verification and onboarding at scale. Face matching, document validation, and real-time anomaly detection for banks and insurers.
Video KYCAI Face Matching Redis / GridGainCompliance
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Digital Trading Platforms

Event-driven microservices architecture for fast, agile product onboarding and trading operations. No manual code changes per product launch.
Trading PlatformEvent-Driven MicroservicesInsurance Tech
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Financial API Security

Multi-layered API security for financial platforms. OAuth 2.0, JWT, TLS, rate limiting, threat monitoring, and full compliance with financial regulations.
OAuth 2.0JWT API GatewayTLS Threat Monitoring
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Real-time Pricing Engine

High-throughput pricing and promotion engines processing 100K+ transactions daily at sub-50ms latency, with AI-driven personalisation and dynamic rules.
100K+ tx/daySub-50ms AI PricingEvent-Driven
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Have a different fintech challenge?

We also work on regulatory reporting, core banking integrations, open banking APIs, and InsurTech platforms. Let's talk.
Talk to our fintech team →
Why OKRUTI for fintech

Domain depth meets
engineering precision.

Financial systems have zero tolerance for errors. Our fintech team brings BFSI domain knowledge, compliance experience, and the engineering rigour that regulated industries demand.

01
ISO 27001 - information security built-in
Security isn't an audit checkbox for us - it's designed into architecture from day one. Certified information security management across all fintech engagements.
02
Compliance-first engineering
ACH, RPPS, KYC/AML, PCI-DSS, and RBI regulations. Our engineers understand the compliance landscape so your legal team doesn't have to educate them.
03
AI-augmented fraud & risk systems
We integrate ML models for real-time anomaly detection, identity fraud prevention, and intelligent transaction monitoring - not just rule-based filters.
04
High-throughput microservices architecture
Kafka event streaming, Spring Boot orchestration, Redis/GridGain caching - engineered for the transaction volumes and concurrency demands of financial platforms.
Compliance frameworks we work with
ACH
Automated Clearing House
NACHA rules for US bank transfers
RPPS
Retail Payment Processing
Bill payment network compliance
KYC
Know Your Customer
RBI & global KYC/AML standards
ISO 27001
Information Security
Independently certified annually
PCI-DSS
Payment Card Security
Cardholder data protection standard
OAuth 2.0
Token-based Auth
Industry-standard API authorisation
Proof of delivery

Fintech case studies.

3×transaction throughput

Secure & Scalable ACH/RPPS Payment Platform

Microservices-based payment architecture for a US FinTech with AI-driven fraud detection, Kafka event streaming, and full NACHA compliance.
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60%faster KYC onboarding

Scaling Video KYC for Major Banks & Insurers

Re-engineered a VideoKYC platform trusted by major private banks in India, resolving concurrency and onboarding bottlenecks with AI-powered identity verification.
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<50msaverage pricing latency

Real-time Pricing & Promotion Engine at 100K+ Transactions/Day

Redesigned a sluggish pricing system into a sub-50ms, AI-augmented event-driven engine handling 100K+ daily transactions with GridGain and Kafka.
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5×faster product launch

Digital Trading Platform for a Global Insurer

Replaced a manual, code-change-per-product legacy system with an AI-enabled microservices trading platform, eliminating long onboarding cycles.
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Zerobreaches post-launch

API Security Foundation for a Financial Platform

Closed critical security gaps in a financial platform's API layer with OAuth 2.0, AI threat detection, TLS encryption, and regulatory compliance.
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FAQ

Common questions about fintech engineering.

What compliance standards do you build to?
ACH/NACHA, RPPS, KYC/AML, PCI-DSS, RBI regulations, and OAuth 2.0 for API authorisation. We're also independently ISO 27001 certified for information security, so compliance is designed into the architecture from day one rather than retrofitted after an audit.
Can you integrate with our existing core banking or payment rails?
Yes. Our ACH/RPPS payment platform work involves integrating with existing bank transfer and bill-payment networks, and we also build regulatory reporting, core banking integrations, and open banking APIs for platforms already in production.
How do you approach fraud detection?
We integrate ML models for real-time anomaly detection, identity fraud prevention, and intelligent transaction monitoring - not just static rule-based filters. This runs alongside platforms like our AI-powered Video KYC and ACH payment systems.
How long does a KYC or onboarding platform typically take to build?
It depends on scope and integration complexity, but our Video KYC re-engineering work cut onboarding time by 60% and scaled to 10× concurrent sessions - talk to our fintech team with your specific requirements and we'll give you a realistic timeline.
Do you only work with banks, or also insurance and trading platforms?
We work across BFSI - banking, insurance (InsurTech), and trading. Our digital trading platform work, for example, replaced a manual code-change-per-product legacy system with an event-driven microservices architecture for a global insurer.
Our fintech stack

Technologies we use
on every fintech engagement.

Java & Spring Boot Apache Kafka PostgreSQL Redis GridGain OAuth 2.0 / JWT React / Next.js Microsoft Azure Microservices AI / ML Models TLS / Encryption API Gateway Docker / Kubernetes DevOps / CI-CD
Get in touch

Let's talk about your platform.

Whether it's a new payment rail or a fraud-detection retrofit — tell us what you're building.

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Email
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📍
Location
Jaipur, India · Global delivery
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