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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
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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

All 5 case studies →
Fintech · Payments
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.
Key result:3× transaction throughput · zero-downtime SLA
Read full case study →
Fintech · AI · KYC
Scaling Video KYC for Major Banks & Insurers
Re-engineered a VideoKYC platform for a leading provider trusted by major private banks in India, resolving critical concurrency and onboarding bottlenecks.
Key result:60% faster onboarding · 10× concurrent sessions
Read full case study →
Fintech · InsurTech
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.
Key result:5× faster product launch · no-code product config
Read full case study →
Fintech · Security
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.
Key result:Zero breaches post-implementation · full compliance
Read full case study →
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 Spring Boot build, a legacy modernisation, or something in between - tell us what you're working on and we'll respond within 24 hours.

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Location
Jaipur, India · Global delivery
We reply within 24 hours.
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