FinTech Industry Software

FinTech Software for Payments, Idempotent Ledgers & Risk Decision Engines

We engineer financial infrastructure connecting customer onboarding KYC, real-time payment authorization, immutable double-entry ledgers, and bank reconciliation—with explicit PCI-DSS boundaries and zero unbacked banking claims.

KYC / IdentityPersona & OFAC Clear
Payment AuthIdempotent Multi-Rail
Double-Entry CoreZero Floating Drift
ReconciliationISO 20022 Matched
TRANSACTION CONTROL & RISK DECISION SURFACE
Transaction ReferenceTXN-ORCH-9920
Platform ScopeMulti-Rail Payment Orchestration & Smart Routing
KYC / KYB StateCorporate Cleared
Payment RailFedNow Rail
Ledger StateDouble-Entry Balanced
Audit VaultPCI-DSS / SOC-1
Transaction: “Cross-Border B2B Supplier Invoice ($12,450.00 USD)”Multi-Rail Payment Orchestration & Smart Routing
STAGE 01KYB SANCTIONS PASS

Customer Onboarding & KYB Identity Verification

Automated corporate entity registry lookup, OFAC watchlist sanctions screening, and biometric director verification.

Audit:0 False Positives
STAGE 02AUTH $12,450.00 OK

Real-Time Payment Intent & Multi-Rail Auth

Dynamic fee routing selects lowest-cost real-time rail. Idempotency key prevents duplicate account debits.

Audit:Idempotency Key Locked
STAGE 03ACID COMMITTED

Double-Entry Ledger & ACID Account Posting

Simultaneous debit of merchant settlement account and credit of clearing vault with zero floating pennies.

Audit:Ledger Delta: $0.00
STAGE 04RECON MATCHED

Bank Statement Reconciliation & Dispute Guard

Automated ISO 20022 camt.053 bank statement parsing and 100% matched transaction settlement records.

Audit:Daily Batch Closed
Core Banking Gateway: ISO 20022 Financial Messaging & Idempotent Postgres ACID Ledgers Active
• PCI-DSS Level 1: Zero Card Data Stored on Platform Edge

Risk decision workbench

Configurable rules, not fraud guarantees

Rule stack

Decision state

Step-up required

Device mismatch signal requires additional verification.

Human-review queue

Configurable risk tooling can support operator decisions; it does not guarantee fraud prevention or regulatory outcomes.

Core Ledger & Reconciliation

Double-Entry Ledger Inspector & Audit Trail Desk

Financial platforms live or die on immutable ledger consistency. Inspect our double-entry journal connecting transaction auth events, FedNow clearing rails, and automated platform revenue splits.

DOUBLE-ENTRY JOURNAL
Precision: Micro-Cent Fixed PointLedger Drift: $0.000000
Journal Event Stream
Journal Entry (EVT-TXN-7001)

Card Authorization Hold

Source: Stripe Payment Gateway
$12,450.00
Double-Entry Account Legs
DR (+) 1010 Merchant Settlement Clearing$12,450.00
CR (-) 2010 Authorized Reserve Vault$12,450.00
Reconciliation & Audit Narrative

Idempotency token verified. Zero floating pennies on hold allocation.

Timestamp: 10:42:15.012 UTCSHA-256 Block Hash Verified

Reconciliation split view

  • EVT-DEMO-7001

    Processor
    Captured
    Ledger
    Posted
    Settlement
    Batch C, row 03

  • EVT-DEMO-7002

    Processor
    Captured
    Ledger
    Posted
    Settlement
    Batch B, row 12

  • TX-DEMO-8F21

    Processor
    Captured
    Ledger
    Posted
    Settlement
    Missing from batch C

  • EVT-DEMO-7006

    Processor
    Settled
    Ledger
    Posted
    Settlement
    Batch A, row 04

  • EVT-DEMO-7004

    Processor
    Authorized
    Ledger
    Pending
    Settlement
    Not yet received

No action in this workbench mutates real data. Adjustments require a controlled, auditable workflow.

Dispute case timeline

CASE-DEMO-3 · TX-DEMO-8F21

Ledger adjustment decision

Adjustment requires a separate approval step before posting.

Evidence references

  • ADJ-DEMO-14 (proposed)

Responsible role

Risk analyst (proposes)

Requires Finance approval

No legal advice is provided and no dispute outcome is guaranteed by this workflow.

KYC / identity provider boundary

Digital Elliptical is not the KYC provider. Provider outcomes are an input to operator policy.

Product surface

  • Applicant inputs
  • Consent capture
  • Product selection

External identity provider

Verification request / result

Operator policy

Eligibility / manual review

Product eligibility: pending, applicant notified.

Retry once document is resubmitted through the provider portal.

Jurisdiction and licensing obligations for identity verification remain client/operator responsibility.

Controls & segregation matrix

Strong authentication, segregation of duties, and auditable adjustment references.

Action
FinTech Architecture

Payment Orchestration & Double-Entry Ledger Architecture

Modern financial technology systems integrate tokenized checkout interfaces, real-time idempotent payment routing, double-entry accounting ledgers, and ISO 20022 bank rails.

01. CLIENT & CHECKOUT SURFACES

Customer Wallet, Merchant Checkout & KYB Flow

PCI-scoped tokenized elements, biometric identity verification (Persona / Onfido), and Apple Pay / Google Pay push provisioning

Tokenized Checkout & Wallet UI

GraphQL / Next.js / Web Crypto API

Zero cardholder data touchpoint with iframe tokenization and sub-50ms render latency.

Tech Stack
Next.jsWeb Crypto APITailwind

Automated KYC / KYB Onboarding

REST / Webhook / Persona API

Automates OFAC sanctions watchlist checks, passport OCR, and beneficial ownership verification.

Tech Stack
Persona / Alloy APIRedis Session Store
02. ORCHESTRATION & LEDGER CORE

Payment Orchestration & Double-Entry Ledger

Idempotency key enforcement, multi-rail dynamic fee routing, atomic double-entry balance sheets, and dispute defense

Idempotent Payment Router

FastAPI / Redis Distributed Lock

Guarantees exactly-once transaction execution across FedNow, RTP, and card payment gateways.

Tech Stack
FastAPIRedis Distributed MutexKafka

Immutable Double-Entry Ledger

PostgreSQL ACID / Micro-Cent Precision

Enforces debits equal credits across all settlement, clearing, and escrow account balances.

Tech Stack
PostgreSQL RLSAppend-Only JournalGo Worker
03. BANK RAILS & RECONCILIATION

ISO 20022 Interop & Bank Statement Ingestion

Automated camt.053 / BAI2 statement parsing, FedNow/RTP financial messaging, and SOC-1 / PCI-DSS audit vault

ISO 20022 Financial Messaging Rail

AS2 / SFTP / XML pacs.008 & camt.053

Direct real-time interbank settlement connectivity with Federal Reserve and commercial clearing houses.

Tech Stack
ISO 20022 XML EngineAWS Transfer Family

Automated Reconciliation & Audit Vault

SHA-256 Merkle Audit Ledger

Matches external banking clearing batches against internal journal entries to eliminate floating discrepancies.

Tech Stack
Apache ArrowImmutable Audit Vault