Fintech engineered for the regulator, the auditor, and the millisecond.
Banking-grade software for neobanks, lenders, payment processors, and embedded-finance platforms.
Fintech sits at the intersection of three unforgiving disciplines: regulatory compliance, distributed-systems engineering, and product velocity. A late settlement, a duplicated debit, or a missed sanctions hit can each end a company. Buraq builds fintech software that respects all three pressures: we ship KYC and onboarding flows that pass auditor review, payment integrations that reconcile to the cent, and core-ledger architectures that survive both audit and Black-Friday-scale traffic. Our engagements range from greenfield neobank builds to embedded-finance APIs powering hundreds of partner brands, from real-time lending decisioning engines to compliance modernisations for chartered banks. Every system is designed assuming a regulator, an attacker, and a finance team will all be looking at it within twelve months.
The problems we're built to solve.
Real-world blockers that prevent fintech businesses from scaling — and exactly how we eliminate them.
Heavy and shifting regulatory load
Fintech operators must navigate KYC, AML, OFAC sanctions, BSA, GLBA, PCI-DSS, SOC 2, GDPR, PSD2, MiCA, state money-transmitter licensing, and a constant drip of new guidance. Building this in retroactively is painful and expensive.
Real-time settlement and money movement
Real-time payment rails (RTP, FedNow, SEPA Instant, UPI) demand sub-second authorisation, idempotent transaction handling, and rock-solid reconciliation. Eventual consistency does not pay rent.
Fraud and sophisticated attackers
Account-takeover, synthetic identities, mule networks, and increasingly generative-AI-enabled social engineering require layered defenses: device fingerprinting, behavioural analytics, transaction monitoring, and step-up authentication.
Legacy core integrations
Many fintech operators must integrate with mainframe core banking systems, ACH originators, card networks, and BIN sponsors via decades-old protocols. Modern API surfaces have to coexist with batch files and overnight cutoffs.
Auditable explainability
Every credit decision, every declined transaction, every account closure must be explainable in writing to regulators, customers, and arbitrators. ML-driven decisioning has to ship with reason codes, not just probabilities.
Solutions in production for fintech operators.
Proven deliverables we've shipped — built to integrate, scale, and return measurable value.
KYC, KYB, and onboarding automation
Identity verification, document OCR, sanctions and PEP screening, ongoing monitoring, and adverse-media checks — orchestrated as a configurable workflow with full case-management UI for compliance review.
Payment integrations and processing
Card acquiring (Stripe, Adyen, Checkout.com), ACH (Plaid, Modern Treasury, Dwolla), real-time rails (RTP, FedNow), cross-border (Wise, Currencycloud), and direct integrations with BIN sponsors for issuing programs.
Core ledger and double-entry accounting
Event-sourced double-entry ledgers with idempotent posting, balance projections, sub-account hierarchies, and end-of-day reconciliation reports. Built to scale to billions of postings without losing precision.
Lending decisioning engines
Configurable rules engines, alternative-data ingestion (cash-flow, payroll, bureau), explainable ML scoring, and adverse-action notice generation — wired into loan origination and servicing.
Transaction monitoring and fraud defense
Streaming rules + ML pipelines for AML transaction monitoring, real-time fraud scoring, case management, and SAR filing workflows. Tunable false-positive rate, clear lineage, and explainable alerts.
Embedded-finance APIs
BaaS-style API surfaces that let partner brands originate accounts, issue cards, move money, and run KYC under your charter or sponsor — with per-tenant isolation, white-label experiences, and partner reporting.
The results operators see.
Measurable improvements delivered to fintech clients after working with Buraq.
Reconciliation to the cent, every day
Event-sourced ledgers and structured reconciliation pipelines mean finance closes the day without surprises and auditors find what they expect.
Faster onboarding without dropping checks
Optimised KYC flows compress drop-off without weakening risk posture — typical funnel improvements of 15–30 percent on conversion.
Lower fraud loss
Layered transaction monitoring and adaptive friction reduce fraud losses while keeping false-positive friction tolerable for legitimate customers.
Audit-ready compliance posture
Every decision is logged with inputs, model version, rule version, and the reviewer's identity — turning audit prep from a fire drill into a query.
Scale that actually scales
Architectures designed for millions of accounts and billions of postings without rewriting the core every two years.
Patterns we've shipped for clients in this space.
Real implementations — not templates — tailored for fintech workflows.
Neobank platform
Neobank platform
End-to-end consumer banking — onboarding, KYC, accounts, debit issuing, ACH and RTP money movement, in-app card controls, and a real-time ledger powering balances and statements.
Embedded-finance API
Embedded-finance API
Multi-tenant BaaS API exposing accounts, cards, KYC, and money movement to partner brands — with sandbox, partner reporting, and per-tenant rate limits.
Real-time fraud scoring
Real-time fraud scoring
Streaming pipeline that scores every transaction against device, behavioural, and network features in under 100 ms — with case management, feedback loops, and weekly model retraining.
Lending origination and servicing
Lending origination and servicing
Loan application capture, alternative-data underwriting, automated decisioning with adverse-action notices, document signing, and ongoing servicing including delinquency workflows.
Cross-border payment hub
Cross-border payment hub
FX-aware payment routing across multiple corridors with real-time quoting, settlement reconciliation, and compliance screening at every hop.
Outcomes we've delivered.
Numbers from live projects across the fintech vertical.
Greenfield consumer-banking platform: KYC, account opening, ACH and debit issuing, in-app card controls, and a real-time ledger. Survived two viral-growth weeks at 40× normal load without a missed transaction.
Rebuilt the partner API surface around clean, OpenAPI-documented endpoints, a hosted KYC widget, and a sandbox that mirrored production. New partners now ship in days.
Replaced a hard-rule decisioning engine with an explainable ML model on alternative cash-flow data — keeping reason codes, adverse-action compliance, and a human override path.
01Do you build PCI-DSS compliant systems?
Yes. We design payment systems to minimise PCI scope (tokenisation, hosted fields, network tokens) and harden any in-scope components — segmented network, encryption, key management, logging, and the SAQ / RoC artifacts your QSA will request.
02Which payment processors do you integrate with?
Most of them — Stripe, Adyen, Checkout.com, Braintree, Worldpay, ACI, FIS, Fiserv on cards; Plaid, Modern Treasury, Dwolla, Moov on ACH; Marqeta, Lithic, Stripe Issuing on cards; and direct sponsor-bank integrations where the program demands it.
03Can you architect a real-time core ledger?
Yes. Our preferred pattern is event-sourced double-entry posting with idempotency keys, materialised balance projections, and end-of-day reconciliation against external system-of-record sources. We can also integrate with off-the-shelf ledger platforms when speed-to-market matters more than custom semantics.
04How do you handle AML and sanctions screening?
Configurable transaction monitoring rules layered with ML scoring, OFAC / EU / UN sanctions screening at onboarding and per-transaction, ongoing PEP and adverse-media monitoring, and a case-management workbench that produces SAR-ready narratives.
05Are your ML credit models explainable?
Yes. We use explainable model architectures (gradient boosting with SHAP attributions, monotonic constraints where appropriate) and ship reason-code mapping that satisfies adverse-action notice requirements under ECOA / Regulation B.
06Can you help with regulatory licensing or sponsor-bank relationships?
We are engineers, not lawyers — but we work alongside your fintech counsel and sponsor bank to make sure the platform we build matches the program agreement, supports the required reporting, and survives the sponsor's quarterly compliance reviews.
Services we bring to fintech.
Explore the capabilities we apply most in this vertical.
Shipping a fintech product? We'll help you ship it audit-ready.
From neobanks to lenders to embedded-finance APIs — we bring the engineering depth and compliance posture fintech operators need.
Discuss Your Fintech ProjectWhat Happens Next?
We schedule a free 30-minute consultation call
Our team analyzes your industry requirements and goals
You receive a tailored proposal with timeline & cost
Other industries we serve
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We adapt to
your domain.
Every sector has its own quirks, regulations, and rituals. Tell us yours — we'll bring the engineering and the curiosity to learn the rest.