Fintech software with audit trails built in
Payments, lending and compliance-heavy platforms from one senior team, built to support PCI-DSS, RBI and GDPR requirements.
300+
projects delivered
2010
building since
7
countries
1,150+
property records reconciled
The problems that stall fintech builds.
Every fintech team we meet is fighting some version of these three. Naming them early is how you avoid paying to rebuild.
01
Audit arrives too late
When compliance is a launch checklist, you re-architect under deadline pressure, weeks before go-live.
02
Cores that won't move
Decades-old cores and nightly batch files block the real-time products customers expect.
03
Breaches and broken reconciliations
One breach or a broken reconciliation costs more than the platform did to build.
What we build for fintech teams.
Regulated-grade engineering from a senior pod that has shipped in this sector before.
Payments
Payment and wallet platforms
UPI, card and wallet rails with ledgers, reconciliation and settlement built in.
Lending
Lending and onboarding
Digital KYC, credit decisioning and loan origination, from application to disbursal.
Automate
AI agents and back-office
Agents that clear reconciliation queues, KYC checks and support tickets around the clock.
Also In Scope
Built for every side of money movement.
Banks, NBFCs, fintech startups and payments teams hire us for the same reason — software that survives contact with the auditor.
Banks and NBFCs
Modernization, customer portals and API layers without touching core stability.
Payments teams
Rails, ledgers and reconciliation tooling that keep every paisa accounted for.
Fintech startups
First MVP to Series B without a compliance rewrite.
Lending and insurance
Origination, underwriting and claims workflows that cut decision time.
What clients say
Trusted by clients in 7 countries · 300+ projects delivered
A pan-India service platform, built
Software Development
“They were able to solve technical issues in real-time and provide excellent solutions to the problems we faced.”
Manish J.
Pureblu
A team worth hiring again
Software Development
“Ronak and his team are fantastic. I will hire them any time I need help!”
John P.
Client
A time audit app, crafted
Software Development
“Soft 'n' Web's help in crafting our Time Audit App has been very valuable.”
Nathalie R.
Client
A startup's app and website, designed
UI/UX Design
“Soft 'n' Web exceeded my expectations with their creative UI/UX design for my startup's app and website. Their designs are not just attractive, but user-friendly too. Highly recommended.”
John D.
Startup Founder
A mobile app customers keep using
Mobile App Development
“Soft 'n' Web developed a mobile app for us that customers love to use and keep. Their proficiency in native and hybrid tech like React Native is noteworthy. Excellent service for mobile app development.”
Mike R.
Tech Entrepreneur
A complex e-commerce portal, built
Web Development · Ecommerce
“The team at Soft 'n' Web efficiently handled the development of our complex e-commerce portal. Their web solutions are robust, secure, and reliable, using advanced technologies like Laravel, CodeIgniter, ReactJS, and Vue.js. Impressive work.”
Sarah L.
E-commerce Business Owner
A process with sign-off at every step
Software Development
“The development process at Soft 'n' Web is well-structured and customer-focused. From gathering information to testing the new system, they ensure customer approval at every step. Their commitment to customer satisfaction is commendable.”
Emily S.
Project Manager
Built with the tools fintech runs on.
Modern, proven and bank-grade — every choice weighed for compliance as much as speed.
Customer & banking apps
React.js
Next.js
TypeScript
React Native
iOS
AndroidPayments & integration
RabbitMQBackend & data
Node.js
Python
FastAPI
PostgreSQL
MongoDB
RedisCloud & DevOps
AWS
Google Cloud
Terraform
DockerAI & automation
Anthropic
OpenAI
LangChain
PyTorchWorking with
Soft ’n’ Web:
How the engagement actually feels — sprint after sprint, from kickoff to long after launch.
One accountable team
Strategy, design, engineering and QA under one roof — a single point of contact.
Transparent process
Sprint boards, GitHub and staging environments are open to you from day one.
Scale between milestones
Fixed-fee milestones, with the team scaled up or down between them.
Clear communication
Written updates in plain language: decisions, trade-offs and next steps.
Outcomes priced upfront
Fixed-fee milestones, not open-ended hourly billing. Cost is known before we start.
We don't disappear
Post-launch support and a 30-day warranty are part of every engagement.
Everything you’re probably wondering.
We build the audit trail and access controls into the architecture from day one. The standard that applies (SOC 2, PCI-DSS or a banking requirement) depends on your product.
Yes. ISO 20022, SWIFT MT and SFTP feeds are common in this work, and we normalize them into one data model.
Access is scoped per project, secrets are never hard-coded, and encryption and key management follow the standard your regulator expects.
Ready when you are.
Let's build your
next fintech release
300+ projects across 7 countries. Tell us your compliance requirements, and we'll share the work that fits.