FINANCIAL TECHNOLOGY

FinTech & Microfinance Solutions

We engineer compliant transaction engines, digital loan disbursement pipelines, and offline-first mobile ledgers that power financial inclusion in both urban and rural markets.

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FINANCIAL ARCHITECTURE

FinTech Engineering Capabilities

Auditable, high-security systems handling real-time payments, loan books, and grassroots financial data.

Digital Payment Rails & UPI Integration

Multi-gateway routing, instant QR payments, and automated settlements

We build compliant transaction engines integrating directly with Indian payment gateways (Razorpay, Cashfree, PayU) and NPCI UPI rails, ensuring sub-second verification and high success rates.

Multi-gateway smart transaction routing with automated failover handling

Dynamic UPI QR code generation and instant payment webhook processors

Automated end-of-day bank reconciliation and ledger settlement pipelines

Microfinance & Field Loan Origination

Offline-capable credit origination and mobile collection ledgers

We develop purpose-built loan origination systems for rural and grassroots lending institutions, featuring offline mobile data capture, repayment schedules, and biometric agent authentication.

Encrypted offline-first SQLite synchronization for rural field collection agents

Configurable loan product rules, interest calculation engines, and EMI amortization

Aadhaar e-KYC and digital signature integration for paperless loan processing

Banking APIs & Automated Disbursement

IMPS/NEFT bulk payouts, e-NACH mandates, and account verification

We interface directly with commercial banking partner APIs to automate vendor payouts, verify beneficiary bank accounts in real time, and schedule recurring debit mandates.

High-throughput bulk disbursement engines with multi-level approval matrixes

Real-time penny-drop account number and IFSC code verification workflows

e-NACH and recurring mandate registration with automated retry logic

RegTech, Encryption & Statutory Compliance

RBI compliance, tamper-evident audit logs, and PCI-DSS best practices

We engineer financial architectures to comply with RBI data localization standards, featuring hardware-grade TLS encryption, tokenized storage, and immutable event audit trails.

Field-level database encryption for PII and financial identifier records

Immutable tamper-evident audit logging for all transaction status transitions

Automated suspicious transaction reporting (STR) and risk anomaly thresholds

COMPLIANCE & SETTLEMENT TOOLING

Supported FinTech Ecosystem

Double-entry ledger databases, payment network protocols, and cryptographic verification pipelines.

Payment Rails

UPI 2.0NPCI StandardsRazorpayCashfreePayUStripe

Core Backend & Ledgers

GoNode.jsPostgreSQLRedisDouble-Entry AccountinggRPC

Security & Auth

AES-256 GCMOAuth2 / mTLSAadhaar e-KYCDigiLockerArgon2idHSM

Infrastructure & Queue

KafkaRabbitMQDockerKubernetesAWS (Mumbai Region)Prometheus

FINANCIAL SYSTEMS ARCHITECTURE

Building a Lending, Payments, or Microfinance Product?

Connect directly with our fintech engineering team to discuss ledger architecture, payment gateway integration, and regulatory compliance.

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Direct engineering response within 24 hours · communications@markzin.com