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Fintech & Banking
CodiFly builds secure, compliant, and scalable fintech products — from digital wallets and payment gateways to open-banking APIs and fraud detection engines.
What We Build
From regulated payment infrastructure to consumer-facing investment apps, we ship compliant fintech products that earn user trust from day one.
End-to-end payment processing solutions with multi-currency support, split payments, real-time reconciliation, and PCI-DSS Level 1 compliance baked in from the ground up.
Mobile and web wallets with P2P transfers, QR payments, virtual cards, and biometric authentication for seamless and secure money movement.
Credit scoring engines, loan origination systems, buy-now-pay-later checkout flows, and collections automation tailored to your risk appetite.
Retail investment and robo-advisory platforms with real-time portfolio tracking, fractional shares, and regulatory reporting for MiFID II and SEC compliance.
Open-banking integrations via Plaid, TrueLayer, and Basiq — account aggregation, balance checks, transaction enrichment, and payment initiation in days, not months.
Rule-based and ML-powered fraud engines with real-time transaction monitoring, velocity checks, device fingerprinting, and automated case management.
Technology
We choose technologies proven in high-compliance, high-throughput financial environments — because every millisecond and every byte of data matters.
Our Process
We embed compliance thinking at every phase so audits and launches are smooth, not stressful.
Map regulatory obligations (PCI-DSS, GDPR, AML) and define data classification, access controls, and audit logging requirements.
Design zero-trust microservices, encrypted data stores, HSM key management, and network segmentation before a single line of code is written.
Agile development sprints with SAST/DAST scanning, third-party penetration testing, and continuous dependency auditing throughout the build.
Produce compliance evidence packs, coordinate QSA audits, and execute a phased rollout with 24/7 incident response in place from go-live.
Results
FAQ
We scope and implement the 12 PCI-DSS requirements from day one: network segmentation, encrypted cardholder data storage (tokenisation preferred), access control, logging, and regular vulnerability scanning. We also work with certified QSAs to produce the evidence packs needed for your SAQ or ROC.
Yes. Our wallets support multi-currency ledgers with real-time FX rates pulled from providers like Open Exchange Rates or ECB. Users can hold, convert, and transact in multiple currencies, with each balance stored in its own ISO 4217 sub-account.
We integrate with Plaid (US/Canada/EU), TrueLayer (UK/EU), and Basiq (Australia) for account aggregation and payment initiation. For direct bank integrations, we build OAuth 2.0 flows, webhook handlers, and transaction normalisation layers that abstract provider differences from your core product.
We layer multiple defences: configurable rule engines for velocity and pattern checks, device fingerprinting, IP reputation scoring, 3DS2 strong customer authentication, and optional ML anomaly detection. All alerts feed into a case management queue for analyst review.
A focused fintech MVP — for example, a payment platform or digital wallet with core flows — typically takes 10–16 weeks. More complex products with lending engines, compliance tooling, or multiple banking integrations require 20–28 weeks. We always deliver a detailed project plan with milestones before we start.
Compliant, secure, and built to handle real financial volume. Let's scope your project and get moving.