FinTech innovations
FinTech products built for audit, security and scale
Xcrino builds payment apps, digital wallets, lending and investment platforms — with transaction integrity, KYC flows and compliance considered from day one.
- Payments
- Wallets
- Lending
- KYC
- Investments
- Blockchain
- 260+
- Projects delivered
- 99+
- Certified developers
- 94%
- Client satisfaction
- 6
- Countries served
Overview
What FinTech software does Xcrino build?
Consumer finance apps, merchant payment tools, loan origination systems and investment dashboards — where every transaction must be traceable.
We design ledgers, reconciliation and access control first, then the interface, so money never goes missing between systems.
Capabilities
What we deliver for finance
Built with security reviews and audit logging as standard.
- Payments
Payment platforms
Gateway integration, UPI, cards, payouts, refunds and reconciliation.
- Wallets
Digital wallets
Ledger-based balances, transfers, limits and transaction history.
- Lending
Loan platforms
Applications, KYC, credit checks, disbursal and repayment tracking.
- Invest
Investment tools
Portfolios, market data, order flows and reporting dashboards.
Process
How FinTech projects run
Compliance and security checkpoints at every stage.
- 01
Requirements
Regulatory scope, money flows, partners and risk.
- 02
Architecture
Ledger design, encryption, audit logs and access control.
- 03
Build & test
Sprint delivery with security testing and reconciliation checks.
- 04
Launch & monitor
Staged rollout, fraud monitoring and ongoing support.
FAQ
Questions about FinTech innovations
Scope, timelines and how we work with your team.
Which payment gateways do you integrate?
Razorpay, Stripe, PayU, Cashfree, PayPal and bank APIs — plus UPI flows for Indian products.
Do you handle KYC and AML?
We integrate KYC providers (Aadhaar, PAN, video KYC, document checks) and build the workflows; regulatory sign-off stays with your compliance team.
How do you secure financial data?
Encryption at rest and in transit, role-based access, audit logging, secrets management and regular security testing.
Can you build on blockchain?
Yes, where it genuinely helps — smart contracts, tokenisation or settlement — and we will say when a conventional database is the better choice.
Do you work with NBFCs and banks?
Yes. We build lending, collections and customer-facing apps that integrate with core banking and bureau APIs.