Do you support BSA/AML-aligned transaction monitoring?

Yes, we build transaction monitoring and suspicious activity reporting workflows aligned to US AML expectations for money services businesses and crypto platforms.

Can you build open banking APIs without a full core system rewrite?

Yes. We wrap your existing core in a modern API middleware layer, exposing compliant account and payment APIs without touching core transaction logic.

How do you handle AML/KYC compliance during integration?

We build identity verification, sanctions/PEP screening, and transaction monitoring workflows directly into the platform, with audit logging that traces every decision for regulator review.

Can you integrate with our existing card and payment rail providers?

Yes, we connect correspondent banking, card networks, and instant payment schemes into a single orchestration and reconciliation layer.

What does an open banking API project timeline look like?

A typical account information and payment initiation API program, including a developer portal and sandbox, ships in 8-14 weeks depending on the number of endpoints and your existing infrastructure.

Banking & Fintech · United States

Banking & Fintech Software Development in United States

Banks and fintechs are under pressure to open their platforms via APIs, modernize legacy cores, and meet open-banking and AML obligations without disrupting existing operations or customer trust. In United States, that means building to the expectations of High-Value Regulated Markets: Money transmission and payments activity is regulated at the state level (state MTL regimes) alongside federal BSA/AML obligations enforced by FinCEN.

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United States Regulatory Landscape

What banking & fintech businesses in United States need to know

Money transmission and payments activity is regulated at the state level (state MTL regimes) alongside federal BSA/AML obligations enforced by FinCEN.
Crypto-asset activity intersects with both federal guidance (FinCEN, SEC/CFTC considerations) and a patchwork of state licensing regimes.
We build the technical infrastructure — KYC/AML, reporting, audit trails — that these frameworks expect, alongside qualified US regulatory counsel for licensing strategy.

This information is provided for general orientation only and is not legal or licensing advice. Always confirm current requirements with qualified local counsel.

The Challenge

What banking & fintech operators struggle with

Core systems that block product velocity

Vendor-locked core banking platforms turn a simple product change into a multi-quarter release cycle, while fintech challengers ship weekly.

Open banking deadlines without a clean path

Regulatory mandates require standards-compliant account and payment APIs on a fixed timeline, with no room for a risky core rewrite.

Manual AML/KYC review queues

Identity verification and sanctions screening still route through manual case queues, slowing onboarding and creating audit exposure.

Fragmented cross-border rails

Correspondent banking, card networks, and instant payment schemes are stitched together ad hoc, causing reconciliation gaps and settlement delays.

Our Approach

How we support banking & fintech in United States

Open banking & partner API programs

We design and build account information and payment initiation APIs with OAuth2/OIDC consent flows and self-service developer portals that cut partner onboarding from weeks to days.

Core modernization without a big-bang rewrite

Strangler-fig migration wraps legacy cores in modern middleware, letting you ship new products without a risky, multi-year core replacement.

AML/KYC and transaction monitoring automation

Automated identity verification, sanctions/PEP screening, and ML-driven transaction monitoring replace manual review queues and shrink false positives.

Cross-border payment hub integration

A central orchestration layer connects card networks, correspondent banks, and instant payment rails behind one reconciled ledger.

Audit-ready security & compliance controls

Secure architecture review, immutable audit logging, and regulator-ready reporting are built into the platform ahead of your next licensing or partner audit.

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