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
- 560
- Clients served
- 69+
- Developers
- 94%
- Project success rate
- 26
- Countries served
At a glance
Key takeaways
- Xcrino builds payment platforms, digital wallets, lending systems and investment tools.
- We design the ledger, reconciliation and audit trail before the interface, so every rupee or dollar can be traced.
- AI features can start with a fixed-price proof of concept from $3,000 (about ₹2.7 lakh) in 2–4 weeks.
- Xcrino has served 560 clients in 26 countries since 2016, with 69+ developers and 94% of projects delivered on time and on budget.
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.
- AI
Document AI for KYC
Extract and check data from IDs, statements and forms.
AI development services - AI
Risk and fraud models
Machine-learning scoring, tested first in a fixed-price proof of concept.
AI proof of concept
Challenges
What makes FinTech software different to build?
FinTech software fails in ways ordinary apps do not. A rounding error, a double-posted payment or a webhook that fires twice turns into real money lost and a regulator asking questions. That is why we start with the ledger: every balance is the sum of recorded entries, never a number someone edited.
The second difference is partners. Banks, NBFCs, payment gateways and KYC providers each have their own APIs, sandboxes and sign-off steps. We plan the integration order around their timelines, because a partner approval often takes longer than the build.
Compliance
Which regulations and standards do we design FinTech software for?
We build these requirements into the product from the start. Your compliance team, auditor or legal adviser confirms final compliance.
- RBI rules for payments and digital lending: Payment data storage, digital lending flows and disclosures designed around current RBI directions.
- PCI DSS: Card data handled through certified gateways and tokenisation, so your systems stay out of scope where possible.
- KYC and AML: Video KYC, document checks and transaction monitoring hooks for your compliance team.
- DPDP Act 2023: Consent, purpose limits and data deletion built into the product.
- GDPR and international rules: For products serving customers in the EU, UAE or other regions.
Where to start
Which FinTech projects do clients usually start with?
Most clients start with one focused first release, prove it with real users, then extend it. These are the most common starting points.
| Project | What the first release usually includes |
|---|---|
| Payment or payout platform | What the first release usually includes: Gateway and UPI integration, payouts, refunds and daily reconciliation reports |
| Digital wallet | What the first release usually includes: Ledger, KYC tiers, transfers, limits and transaction history |
| Lending platform | What the first release usually includes: Application, KYC, credit checks, disbursal and repayment schedule |
| AI for KYC or fraud | What the first release usually includes: A fixed-price proof of concept on your own documents or transaction data |
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.
Security
How do we protect data in FinTech projects?
- Role-based access, so each person sees only what they need
- Encryption in transit and at rest
- Audit logs for every change to sensitive records
- Masked or test data in development and staging
- Security checks before each release
- An NDA on request; all code and IP transfer to you on full payment
Related
Related services and work
These pages explain the services and work most relevant to FinTech projects.
Software development servicesAI proof of conceptHire Node.js developers
Get a quote
Tell us what you want to build
Share the problem, the systems involved and your timeline. We reply with next steps and, where it fits, a fixed-price first phase.
Reach us
New Delhi, India
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.
How much does FinTech software development cost?
It depends on scope, partners and compliance needs, so we quote after a short discovery call. AI features can start with a proof of concept from $3,000, and dedicated developers start from $800 a month.
Do you build to RBI and PCI DSS requirements?
We design for them: card data through certified gateways, payment data stored as RBI requires, and audit trails throughout. Your compliance team or auditor confirms final compliance.
Will you sign an NDA before we share details?
Yes. We sign an NDA on request before you share anything sensitive, and confidentiality is also part of every engagement contract.