Fintech software built for trust, compliance, and scale.
We build secure financial products—payment platforms, lending tools, trading dashboards, and banking integrations—where correctness, auditability, and regulatory compliance are engineered in from the first commit, not bolted on before launch.
What we build
Problems fintech teams face
The issues we hear most, from teams in the US, UK, Europe, India, and beyond. Each solution below shows which ones it fixes.
- 01
Money that does not add up
Retries, webhooks, and partial failures create duplicate charges and ledgers that drift from the bank.
- 02
Slow, manual onboarding
KYC and AML checks done by hand lose customers at sign-up and leave gaps auditors will find.
- 03
Fraud that outpaces rules
Static rules either block good customers or miss new fraud patterns entirely.
- 04
Compliance across markets
PCI DSS, PSD2, FCA, and RBI rules differ, and every new country adds work.
- 05
Legacy cores and brittle integrations
Old banking cores and many providers make every new product feature slow and risky.
- 06
Reporting nobody trusts
Finance, risk, and regulators each pull different numbers from different systems.
Solutions, and how the technology helps
What we build to fix those problems, and why it works.
Double-entry ledger and reconciliation
Fixes0106
A single source of truth for every balance and movement, reconciled daily against banks and processors.
How the technology helps
Idempotent APIs and an append-only ledger mean a retried request can never move money twice, and every number traces back to an entry.
- PostgreSQL
- Event sourcing
- Stripe
- Bank APIs
Automated KYC and AML onboarding
Fixes0204
Identity, document, and sanctions checks in one flow, with manual review only for real edge cases.
How the technology helps
Provider APIs verify identity in seconds, risk scores route each case, and every decision is logged for audit.
- Onfido
- Sumsub
- ComplyAdvantage
- Workflow engine
Real-time fraud and risk scoring
Fixes03
Transactions scored as they happen, combining rules and machine learning your risk team can understand.
How the technology helps
Streaming events feed models that explain each score, so analysts see why something was flagged and tune it.
- Kafka
- Python
- ML models
- Feature store
Modern APIs around legacy cores
Fixes05
A clean API layer in front of older systems, so new products ship without touching the core every time.
How the technology helps
An integration layer translates between modern services and legacy formats, with queues absorbing slow or failing upstreams.
- Node.js
- Go
- Queues
- Open banking
Integrations we work with
The platforms these systems usually connect to. If yours is not listed, we can usually connect it.
Payments & processing
- Stripe
- Adyen
- Checkout.com
- Razorpay
- PayPal
- Apple Pay & Google Pay
Banking & open banking
- Plaid
- TrueLayer
- Tink
- Modern Treasury
- Core banking APIs
- UPI & Account Aggregator
Identity & compliance
- Onfido
- Sumsub
- Persona
- ComplyAdvantage
- e-signatures
Data & reporting
- Snowflake
- dbt
- Metabase
- Accounting & ERP
How arcvel helps
One senior team that already knows the domain, from the first plan to running it in production.
What we build
Payment and payout platforms, lending and underwriting engines, trading and portfolio tools, and the banking, card, and ledger integrations behind them—engineered for accuracy and auditability.
Security & compliance first
PCI-DSS-aware architecture, encryption in transit and at rest, least-privilege access, and full audit trails, so security reviews and regulatory obligations are met by design rather than patched later.
Integrations that matter
Stripe, Plaid, and core banking, card, KYC/AML, and open-banking providers connected cleanly, with reconciliation and idempotency handled so money movement stays correct under real-world failure.
AI where it earns trust
Fraud detection, document intelligence, and financial copilots built with guardrails, explainability, and human-in-the-loop review—so automation supports decisions without becoming a black box.
Built for the rules in your market
The regulations and standards we design around in each region. Final sign-off stays with your compliance and legal team.
United States
- PCI DSS
- SOC 2
- GLBA
- State money transmission rules
United Kingdom
- FCA requirements
- UK Open Banking
- UK GDPR
- Strong customer authentication
European Union
- PSD2 and SCA
- GDPR
- DORA
- MiCA for crypto-assets
India
- RBI guidelines
- Payment data localisation
- DPDP Act
- UPI and NPCI rules
D2C & e-commerce
Where fintech meets e-commerce
Payments are where D2C brands win or lose the sale. We build the checkout, wallet, and payout systems behind online stores and marketplaces.
See D2C & e-commerce- Checkout, BNPL, and local payment methods
- Refunds, chargebacks, and reconciliation
- Marketplace and seller payouts
- COD-to-prepaid and payment link flows
What you get from a fintech engagement.
A financial system you can defend in a security review and an audit—not just demo to investors.
Talk to an engineer- An architecture designed around correctness, idempotency, and auditability of every transaction
- Security controls and access boundaries mapped to PCI-DSS and your regulatory scope
- Clean integrations with payment, banking, and KYC/AML providers, with reconciliation built in
- Fraud and risk tooling with explainable, human-reviewable decisions
- Complete audit logging so compliance and disputes are traceable end to end
- Documentation your compliance, security, and finance teams can actually rely on
Related solutions
Common questions
Yes. We build payment, lending, banking, and wealth products for companies in the US, UK, EU, India, and other markets, with each market’s rules planned in from the start.
We design systems to meet PCI DSS, usually by keeping card data with a certified processor such as Stripe or Adyen so your scope stays small. Your own certification is done with a qualified assessor.
Yes. We work with Plaid in the US, TrueLayer and Tink in the UK and EU, and Account Aggregator in India, for account data, payments, and verification.
Idempotent APIs, a double-entry ledger, and daily reconciliation against banks and processors. Every movement is traceable, and retries cannot create duplicates.
Building in this industry?
Bring us the problem. We will bring engineering that already understands your domain.