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FinTech

Fintech software built for the future of finance

Secure, scalable, and regulatory-grade digital platforms for lending, payments, wealth management, and insurance — engineered to the highest compliance and performance standards.

Fintech — digital solutions
fintech-dashboard.app/analytics
LIVE — RBI Compliant
What We Build

FinTech engineering
across every vertical

From digital lending and payment infrastructure to wealth management portals and InsurTech platforms — we build financial software that regulators trust and users love.

Digital Lending Platforms

End-to-end loan origination systems — from borrower onboarding and KYC verification to credit decisioning, disbursement, and collections. NBFC and bank-grade architecture.

Discuss Your Platform

Payment Gateway & UPI Infrastructure

Custom payment orchestration layers, UPI integrations, payment aggregator APIs, recurring mandate management, and real-time settlement reconciliation systems.

Explore Payment Engineering

Wealth Management Portals

Robo-advisory platforms, mutual fund distribution portals, portfolio tracking dashboards, and goal-based investment tools with SEBI-compliant transaction flows.

Explore Wealth Tech

KYC & AML Compliance Systems

Aadhaar-based eKYC, video KYC, PAN verification, CKYC registry integration, AML transaction monitoring, and FATF-aligned suspicious activity reporting.

Discuss Compliance Architecture

Core Banking Integrations

API bridges to Finacle, BaNCS, Temenos, and custom CBS platforms. Real-time account data, transaction sync, and GL reconciliation for banks and NBFCs.

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Credit Scoring & Analytics

ML-driven credit models using bureau data, bank statement analysis, GST data, and alternative data signals. Bureau integrations with CIBIL, Experian, and CRIF.

Explore Data Engineering

Problems we solve
for FinTech daily

Financial software is uniquely demanding — regulatory complexity, zero tolerance for downtime, and security requirements that go far beyond standard web development.

01

Regulatory Complexity

RBI, SEBI, and IRDAI guidelines evolve constantly. Platforms built without compliance-first architecture face costly retrofitting and regulatory risk.

02

Fraud & Security Threats

Account takeover, synthetic identity fraud, and payment fraud are existential risks. Security must be embedded, not bolted on as an afterthought.

03

Fragmented Data Sources

Credit bureaus, bank APIs, GST portals, Aadhaar, and internal systems rarely talk to each other. Poor data orchestration creates decisioning errors.

04

Scaling Under Load

Payment platforms must handle 10× traffic spikes during campaigns without degrading. Legacy monoliths crack under peak demand.

The Nepras approach

✓Compliance-first architecture — Regulatory requirements are mapped before design begins. Every feature is built with audit trails, consent management, and data localisation built in.
✓Security by design — Encryption at rest and in transit, parameterised queries, WAF, rate limiting, VAPT-ready architecture, and SOC 2 alignment from the ground up.
✓Unified data orchestration — Middleware that aggregates bureau, banking, GST, and alternative data into a single decisioning layer — fast, accurate, and auditable.
✓Microservices for scale — Independent services for KYC, credit, payments, and notifications — each scaling independently, with no single point of failure.
✓Real-time monitoring — Datadog, Prometheus and custom alerting, designed for high availability. Automated incident response and runbooks for all critical scenarios.

Built to meet
every standard

Every FinTech platform we build is designed to meet current regulatory requirements and adapt to future guidelines — without requiring a rebuild.

RBI Guidelines
Digital lending, payment aggregator, and data localisation compliance mapped at architecture stage.
SEBI / IRDAI
Investment platform and insurance tech compliance with audit trails, KYC, and suitability frameworks.
AML / KYC
FATF-aligned AML monitoring, CKYC integration, and eKYC via Aadhaar, PAN, and video KYC.
Data Protection
DPDP Act alignment, data residency, consent management, and right-to-erasure workflows.

Battle-tested
FinTech technologies

We choose technologies with longevity, security, and financial-grade performance in mind — not novelty.

Backend
Node.js, Python (FastAPI/Django), Go — chosen based on throughput requirements and your team's long-term ownership capability.
Databases
PostgreSQL for transactional integrity, Redis for session and rate-limit caching, Elasticsearch for transaction search and audit.
Security
AES-256 encryption at rest, TLS 1.3 in transit, HSM for key management, OWASP Top 10 hardening, and scheduled VAPT.
Infra
AWS Mumbai region (data residency), auto-scaling ECS/Kubernetes, multi-AZ deployment, and daily encrypted backups.
Integrations
CIBIL, Experian, CRIF, RazorpayX, Cashfree, NPCI / UPI, Account Aggregator framework, DigiLocker, and GST APIs.

The Nepras FinTech
Delivery Process

Financial software demands a higher bar for security review, compliance mapping, and testing rigour. Our process reflects that reality.

01 — Compliance Mapping

Regulatory Audit

Identify all applicable RBI, SEBI, and IRDAI guidelines. Map data flows, consent requirements, and audit trail obligations before any design begins.

02 — Architecture

Security Design

Threat modelling, security architecture review, data encryption strategy, and third-party integration risk assessment. Signed off by senior engineers.

03 — Development

Compliant Build

Agile sprints with compliance checkpoints at every milestone. Peer-reviewed code, automated security scanning, and audit log instrumentation throughout.

04 — Testing

VAPT & Load Test

Penetration testing, vulnerability assessment, load testing at 3× projected peak, and regulatory compliance verification against all mapped requirements.

05 — Launch & Monitor

Zero-Downtime Go Live

Blue-green deployment, real-time anomaly detection, 24/7 incident response, and post-launch compliance reporting for your risk and audit teams.

Why FinTech companies
choose us

We understand that financial software isn't just about writing good code — it's about meeting obligations, protecting users, and building systems that regulators will scrutinise.

Compliance-First Engineering

We hire engineers who understand regulatory frameworks, not just programming. Compliance is embedded in our SDLC, not reviewed at the end.

Pre-built Integrations

We integrate with CIBIL, Account Aggregator, Aadhaar eKYC, NPCI UPI and other financial data APIs, so you are not building every connector from scratch.

Dedicated Security Reviews

Every FinTech build goes through an internal security review before delivery. We test for OWASP Top 10, business logic vulnerabilities, and financial fraud vectors.

OWASP
Security reviewed before launch
Auth, data handling and dependencies checked against OWASP guidance
Docs
Documented, maintainable code
Handover notes so any competent developer can pick it up
Sprint
Working demos at every milestone
You review real software, not status updates
Direct
Access to the people doing the work
No account managers relaying messages back and forth

FinTech questions
we get every day

Have a specific question? Talk to us directly →

Do you have experience with RBI's digital lending guidelines? +
Yes. We've built platforms under the updated digital lending guidelines including the LSP framework, first loan disbursement to borrower bank accounts, fair practices requirements, and data privacy obligations. We maintain an internal compliance checklist that is updated with every regulatory circular.
Can you integrate with the Account Aggregator ecosystem? +
Yes, this is now a standard component of our lending platform builds. We've integrated with Finvu, OneMoney, and Sahamati-compliant AA frameworks. The integration covers FI data fetching, consent management, and real-time data parsing for credit assessment — typically reducing turnaround time from days to minutes.
How do you handle data localisation requirements? +
All our FinTech platforms are hosted on AWS Mumbai (ap-south-1) by default, ensuring data residency within India. We implement separate storage for sensitive financial data, enforce data classification at the infrastructure level, and maintain data flow maps that can be shared with regulators on request.
Do you provide VAPT (Vulnerability Assessment and Penetration Testing)? +
Yes. Every FinTech platform delivery includes a mandatory VAPT conducted by our security team before handover. For regulated entities that require third-party VAPT certification, we coordinate with our CERT-In empanelled partners and provide remediation support for all identified vulnerabilities.
What ongoing support do you provide after launch? +
Our FinTech clients typically move to a monthly retainer after launch covering: regulatory circular monitoring and impact assessment, platform updates for new compliance requirements, security patch management, infrastructure scaling, and feature development sprints. We consider ourselves a long-term technical partner, not a project vendor.

Ready to build a platform that
regulators trust and users love?

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