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Fintech & Banking

Ledgers that reconcile and onboarding that clears KYC

WeBuildStack is a remote-first software development company in Bengaluru, India, that builds web and mobile applications and the cloud behind them. For payments, lending, wallets and banking integrations with the audit trails regulators expect: a written quote within 48 hours and an MVP in six weeks with deployment included, with team hours set to your timezone. 15+ engineers, 100+ projects.

Money software has no room for "mostly works". We build ledgers that reconcile, onboarding that passes KYC, and integrations that survive bank downtime.

Talk about your fintech project Scope it
Problems we fix

Where fintech projects usually stall

  1. Payment webhooks that arrive late or twice, leaving the ledger a paisa off and finance reconciling by hand.

  2. KYC drop-off at the video step because the flow was never tried on a congested mobile connection.

  3. Bank and NBFC partner APIs that time out at month-end, with no retry or idempotency on your side.

What we build

For fintech & banking teams

Payments, lending, wallets and banking integrations with the audit trails regulators expect.

  1. 01Payment flows with UPI, cards, net banking and payouts
  2. 02Lending platforms: origination, underwriting rules, collections
  3. 03Wallets and double-entry ledgers with reconciliation
  4. 04KYC/AML onboarding with Aadhaar, PAN and video KYC providers
  5. 05Account aggregator and open-banking integrations
  6. 06Admin consoles with maker-checker approvals
01. Your first 6 weeks

From kickoff to a live fintech MVP

  1. Week 1

    We model the money flow as double-entry accounts and agree with your compliance lead which events must be auditable.

  2. Weeks 2–5

    We build onboarding, the ledger and payment rails with idempotent APIs, maker-checker approvals and reconciliation jobs.

  3. Week 6

    We run an OWASP ASVS review, replay a month of synthetic transactions and launch with transaction limits switched on.

Systems we connect

Integrations we know in fintech

  • Razorpay
  • Cashfree
  • NPCI UPI
  • Setu
  • Perfios
  • Digio
  • HyperVerge
  • Finvu

Services behind it

FAQ

Fintech software: your questions

Something not covered here? Ask a tech lead. We reply within one business day.

Yes, for payments, lending, wallets and banking integrations with the audit trails regulators expect. A written scope and fixed quote within 48 hours, an MVP in six weeks with deployment included, the standards designed in from week one, and a tech lead reviewing every pull request from Bengaluru, India.

No, and we do not need one: you or your regulated partner hold the licence. We build to the RBI directions your compliance team gives us and keep data in India where localisation applies.

Every payout carries an idempotency key, the ledger entry is written before the bank call, and a reconciliation job compares our books with the bank statement and flags gaps for a person to review.

Yes. We connect to licensed AAs as an FIU, manage consent artefacts and parse the FI data into whatever your underwriting rules expect.

Start here

Tell us what you are building

A tech lead replies within one business day; a written quote follows within 48 hours of the call.

Also see: Insurance & Insurtech · Logistics & Supply Chain · Manufacturing & Industry 4.0

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Next step

Ready to build in fintech?

MVP in 6 weeks, deployment included.

Let’s catch up quickly All industries
  • We speak in hours, not days
  • Written quote within 48 hours
  • Deployment included, you own the code