Industry project
 
Fintech Software Development

Fintech software with AI built in.

Payments, lending, and compliance platforms built for speed and trust - with AI watching the fraud and doing the busywork.

20 years of building for financial services. Security is the starting point, not a feature.

The Problem

What slows fintech down

In fintech, speed and trust are the same thing. The friction is where the opportunity is.

The Fraud Race

Fraud outruns static rules

Fraud moves faster than rules. Static systems react after the damage; teams need detection in real time.

The Compliance Tax

Rules eat engineering time

KYC, AML, and reporting consume engineering hours. Every new requirement is months of manual work.

The Expectation Gap

Customers expect instant

Onboarding, decisions, transfers - customers expect them in seconds. Manual reviews cannot keep up.

What We Build

Software for the modern financial stack

Payments, lending, compliance, and the rails between them.

01

Payment platforms

Checkout, wallets, and transfers with the security architecture that trust demands.

02

Lending and credit

Application flows, scoring, disbursement, and collections in one system.

03

KYC/AML workflows

Identity verification and screening automated, with humans on the exceptions.

04

Trading and portfolio tools

Dashboards and order flows for brokers and advisors.

05

Compliance reporting

Regulatory reports generated from your data, on time, every time.

06

Banking integrations

Connect to core banking and payment rails through secure APIs.

The AI Edge

What AI changes in fintech software

AI delivers speed and trust together - when it is built right.

Old

Fraud caught after it happens

AI scores every transaction in real time

Old

KYC reviewed by hand

AI verifies identity and flags exceptions

Old

Reports assembled manually

AI generates compliance reports from live data

The teams that automate compliance and fraud detection win the market. The teams that do not, get regulated out of it.

Our Process

How we build fintech software

The same discipline we have used for 20 years building software that startups and enterprises actually run on.

1RealizationWe map how the work and the data move in your business today.
2DecisionWe agree on scope, the AI built in, and the numbers. You approve it in writing.
3ExperimentWe build in working increments - real software, not mockups, as it grows.
4BreakthroughIt ships to production. We measure it against the goals, then improve in cycles.
5New StandardThe system becomes how your team works - maintained, measured, and improving.
FAQ

Questions about fintech software, answered straight

How do you handle security and compliance?

Security is the architecture, not an add-on: encryption, least-privilege access, audit trails, and third-party review. For regulated work we build to PCI-DSS, GDPR, and local rules from day one.

How much does fintech software development cost?

It depends on scope and the regulatory surface. A payment platform is a different build than an internal compliance tool. We price around the outcome and give you a fixed number before we start.

Can you integrate with payment gateways and banking APIs?

Yes - that is our daily work. Stripe, payment rails, core banking systems, and banking APIs all integrate through secure, documented connections.

How long does it take?

A first working version typically ships in 6-12 weeks, depending on scope and compliance review. You see real software early and steer it as it grows.

How is AI used in fintech software?

The reliable wins today: real-time fraud scoring, automated KYC verification with human exceptions, and compliance reporting generated from live data. All with audit trails regulators can actually rely on.

How is AI usage priced, and how much is included?

Brahma plans include a monthly AI usage allowance: 500 million tokens per month on AI Foundation (2 agents) and 2 billion tokens per month on AI Foundation Plus (5 agents). Extra agents add on at $249 per agent per month, and usage is metered per agent and shown live in your portal. If a month runs heavier, we agree the overage with you before it happens.

Where is our data hosted, and are you GDPR compliant?

Brahma runs on our own infrastructure in the EU, the US, and India. EU customers get EU sovereign hosting by default, so your data stays in the EU under EU law, with GDPR compliance built in. We enforce a no-prompt-training policy across the board, and enterprise customers can enforce Zero Data Retention (ZDR).

The Renting Trap

You are adding up what you rent every month.

A typical operations stack for a 60-person lending and payments company. Sample list prices, monthly.

Auto-renewing4 rate increases this year61 seats added
Before - your stack today
Core ledger and accounts$1,200
Fraud and risk monitoring$750
KYC and AML screening$600
Transaction monitoring$600
CRM$500
Compliance tooling$500
Payment gateway add-ons$450
Reporting and BI$450
Onboarding and workflow$400
Marketing automation$400
Data warehouse$400
Support desk$350
Email and calendar suite$250
Analytics$250
Document and e-signature$200
Website CMS$150
$7,450Per month
$89,400Per year
$447,000Over 5 years

Paid so far this year: $67,050 and rising.

Sample list prices, a representative estimate only. Your stack will differ.

Brahma replaces most of this
After - Brahma

Brahma replaces most of this with a few pre-trained agents. One platform. One fee.

One platform, one fee - agents are $249 per agent per month, hosting and AI usage included. And you are not buying one agent per system: every Brahma agent is multi-skilled, running several workflows at once. Which workflows sit with which agent is mapped to your operation in the initial assessment.

$498With Brahma - 2 agents
You save!$6,952Saved every month - 93%
KYC chasesOnboardingReportingAlertsReconciliation

Sample estimate. Your agent count and connectors are set in the initial assessment, not by a fixed menu.

Brahma sits on top of your existing systems. We layer in first and run alongside what you already have - then replace most of it over time, at your pace.

Book a Call

Own The Outcome, Not The Subscriptions

What renting your operations costs you. What owning them gets you.

Renting your operations
Owning them with Brahma
You pay forever. The tools renew every month, seats creep up, and the total climbs as you add systems that still do not talk to each other.
It fits exactly. Agents built around how your team actually works, on your data, instead of your team bending to the tool.
You own nothing. Years of payments and no asset - and the workflows your team runs on live in someone else's system.
You own the workflows and the data. Your processes and your data stay yours. The platform runs them; you keep them.
It never quite fits. Built for the average of every company that bought it, so your team works around its gaps.
Built around your business. The agents learn your rules, your tone, and your exceptions - no bending your process to a template.
You cannot change it. Need it different? File a request and wait behind thousands of other customers.
Add an agent whenever. Procurement, collections, warranty, loyalty, inventory - new agents as fixed builds as you grow.
Your data is scattered. Sixteen logins, sixteen exports, and a spreadsheet to stitch them together by hand.
One workspace, one truth. Approvals, activity, and usage in one branded portal. Nothing copied between systems by hand.
Nobody owns the outcome. A tool vendor does not run your operation - it only stores what you put in it.
We run it and improve it. We build, host, secure, and improve it in cycles. You approve what leaves your business.
The cost is the work, not the invoice. The real drain is people moving information between systems that were never meant to meet.
The work moves itself. The agents read from your systems and write decisions back - chases, drafts, tickets, reports.
You grow into more subscriptions. Every new need becomes another tool, another login, another renewal.
You grow into more agents. Every new need becomes a new agent on the same platform and the same invoice.

You have been renting someone else's guess at your operations. The infrastructure is handled. You own the outcome.

Plans

Priced around the outcome, not the hour

One monthly fee, hosting, AI usage and support included, and agents that add on as you grow. Every plan begins the same way - with a free assessment and a free first month - so you see it working before you commit.

Every plan starts here

Free assessment. Free onboarding, migration and setup. Your first month free.

No credit card required. We assess the work, stand the platform up on your own systems, and run the first month alongside your team. You continue only if you are happy with the results and can see a measurable impact on your revenue and your cost - if you cannot see it, say so and walk away.

Free assessmentFree onboardingFree migrationFree setupFirst month freeNo credit card required
Starter

AI Go

Free 1 month
then $249/month

One agent, one job, live in weeks. The smallest way to see the platform work on your own data.

  • 1 agent included
  • 200M AI tokens per month
  • 3 data connectors
  • Your branded workspace on the portal
  • Human approval queue on every outbound action
  • 2-week deployment and onboarding
Plus

AI Foundation Plus

$949/month

Heavier operations: more connectors, more agents, priority delivery.

  • 5 agents included
  • 2B AI tokens per month
  • 20 data connectors
  • Priority 2-week deployment
  • Priority support
  • Monthly strategy review
Enterprise

Dedicated

Custom

Your own instance, your own subdomain, your governance - run by us, reviewed by your team.

  • Dedicated instance on your subdomain
  • Custom connectors and a full security review
  • Your choice of AI models and data regions
  • 99.9% uptime SLA and dedicated support
  • Custom governance, SSO, and audit exports

Every plan includes hosting, AI usage, and support, with usage metered per agent and shown live in your portal. Extra agents add on at $249 per agent per month, and extra connectors as fixed builds - far less than the subscription it replaces. You get the full number before we start.

What Could Your Business Become?

Imagine an organization where AI amplifies every person, every decision, and every process. This isn't a future vision. It's what we're building today.

More Time For What Matters

AI handles routine tasks, freeing your team for creative and strategic work.

Faster, Smarter Decisions

Real-time data and AI analysis give you clarity when it matters most.

Happier, Empowered Teams

People focus on meaningful work while AI removes the busywork.

Scalable Without Chaos

Grow without adding complexity. AI scales with your business.

Better Outcomes

Measurable improvements in productivity, quality, and speed.

Founder story video
 
Founder Story

Inside an
AI Organization

A founder’s story • 4 min • Meet the AI Leadership

Trusted by companies we partner with

IndiaBullsHyattOYOSolvayGems EducationKranzleAtlas Lift TechGreenlight PaymentsRepredictSlumdog Millionaire

See all 70+ clients

Client Testimonials

What clients say about working with us

Hares Nayabkhil

“We were looking for a software development company to take on our payment gateway project, and we stumbled upon your company. From the get-go, the analysts working with us started up professionally. We see a very bright future ahead with NCrypted!”

Hares Nayabkhil
President, Greenlight Payments Inc. (USA)
Johann Mayringer

“We trust NCrypted as our preferred tech partner. They have a well developed base and experience in developing internet applications. Their talented professionals help bring your business model from just an idea to a final finished product.”

Johann Mayringer
CEO, On Demand GmbH (Austria)

Read more client testimonials

Clients in This Industry

Trusted in your industry

Companies in this space who have built with NCrypted.

Greenlight Payments - fintech client ApnaPaisa - fintech client Gee Funding - fintech client
Data Regions And Sovereignty

Runs where your business runs. Your rules, by default.

Brahma runs on our own infrastructure in the EU, the US, and India. EU customers get EU sovereign hosting by default - your data stays in the EU, under EU law.

EU, US, and India regions

Choose the region your workspace lives in. EU customers are hosted in the EU by default, with data control and GDPR compliance built in from day one - not bolted on later.

No training on your data

We enforce a no-prompt-training policy across the board: your data and prompts are never used to train models. This applies to every plan, every region, and every client.

Zero Data Retention for enterprise

Enterprise customers can enforce a Zero Data Retention (ZDR) policy, so prompts and responses are not stored beyond the run. Your account team can switch it on for you.

Detailed security, residency, and compliance documentation is available on request.

Ready to Build an AI-Powered Organization?

Let’s explore how we can help you redesign work, improve performance and build what’s next.

Book a Call