Custom fintech software built to be auditable from day one
Fintech buying cycles are long and the stakes are real. We treat security and correctness as engineering requirements, not marketing language.
Bitsbuffer builds payments, compliance, lending, and reconciliation systems with the audit trail built in from the start, not patched on after a regulator asks for it. Reporting, risk flagging, and reconciliation run off live transaction data, not a monthly manual review.
What we build for fintech
Payments & trade finance
Trade finance, payments, and reporting systems built to be auditable from day one, not patched for compliance later.
Compliance & reporting
Statutory reports generated straight from live transaction data, with an audit trail that holds up when a regulator asks for it.
Risk & fraud monitoring
Rules-based flagging on transaction patterns, built to catch what a monthly manual review would miss until it was too late.
Lending & underwriting
Loan origination and underwriting rules that pull applicant data automatically, cutting the manual document chase most lenders still run by hand.
Reconciliation & ledger
A single ledger that reconciles across accounts and partners overnight, so finance starts the day with numbers that already match instead of chasing a mismatch.
How we approach it
We have shipped production fintech work, including a cross-border trade finance and payments platform: reconciliation across partners and currencies, audit trails built in from day one. We walk through relevant shipped work in discovery.
Questions about fintech builds
Statutory reports are generated straight from live transaction data, with an audit trail that holds up when a regulator asks for it, built in from day one, not patched on after a compliance review flags a gap.
Yes, rules-based flagging on transaction patterns is one of the five things we build for fintech clients, see the scenarios above.
Yes, real fintech projects have shipped, including a cross-border trade finance and payments platform. We walk through relevant shipped work in discovery, and we scope every fintech engagement the same way: discovery first.
PCI-DSS applies to any system that stores, processes, or transmits card data, and the scope gets defined in discovery based on what your system actually touches. We build the audit-trail and access-control foundation PCI-DSS expects from day one, but we do not hold a PCI-DSS certification ourselves, that is assessed by your payment processor or a QSA against the live system, not something a vendor can hand you upfront.
Fintech cost swings more than almost anything else we build, mainly on compliance scope and how many systems it has to reconcile against, not a fixed feature list. We don't quote a number before discovery, for exactly that reason.
Tell us what you are building.
No generic proposal. No obligation. Real workflow mapping starts in the first conversation, and a real person answers, no bot.
No credit card, no sales deck, no long-term lock-in.