BANKING & FINTECH · PRODUCTION SOFTWARE SINCE 2010
Banking and fintech don’t tolerate “move fast and break things.” They demand audit logs on every action, role-based access on every screen, document management that survives a regulator’s review, and compliance workflows that work the same way three years from now. We’ve been shipping that grade of software for 15 years — including for Nepal Rastra Bank, the central bank of Nepal. See the NRB case study →
THE PROBLEM
The banking and fintech sector is one of the only verticals where the regulator can shut you down if your software fails an audit. Yet most software vendors approach it like consumer SaaS — ship fast, instrument later, hope nothing breaks. That works until the auditor asks for a complete trail of who modified case file #4427 between March and June, and your system shrugs.
Central banks, commercial banks, microfinance institutions, and regulated fintechs need a different operating premise. Every action has to be logged. Every actor has to be authenticated. Every document has to be version-tracked. Every workflow has to encode the regulation, not just hint at it. And every architectural choice has to be defensible to a regulator who will be reading the system three years from now — long after the original engineers have moved on.
That’s the standard we’ve built to since 2010. It’s how we earned the central-bank engagement we still hold today.
OUR APPROACH
We map your regulatory environment first — not your features. Which regulators audit you? Which workflows must be tamper-proof? Which data has retention requirements? Which actors need segregated roles? Every architectural decision downstream answers to this map.
Audit logging isn’t a feature; it’s the substrate. We design the event store, immutable history, and replay model before we design any user-facing screen. By the time we’re shipping a UI, every click already generates a defensible audit record.
Each module is built so a regulator could walk through it tomorrow. Role-based access is enforced server-side, not by hiding UI. Document versioning is automatic. Workflow state transitions are explicit and reversible. The whole system is designed to be audited.
Banking software isn’t a one-off build. Regulations change. Auditors rotate. Document retention windows expire. We stay engaged for the long tenure that compliance software actually needs — the way we’ve stayed engaged with Nepal Rastra Bank.
CAPABILITIES WE SHIP
Multi-stage case lifecycle (intake, triage, action, review, closure) with reversible state transitions and explicit audit on every step.
Immutable event store recording who did what, when, with what payload, against what version of the data — queryable by auditors without engineering help.
Server-enforced permissions on every endpoint, not just hidden UI. Granular roles (officer, supervisor, auditor, admin) with full activity isolation.
Automatic version tracking on every uploaded document. Tamper-evident hashing. Regulatory-grade retention windows enforced at the storage layer.
The regulation lives in the code, not in a Word doc that operations is supposed to follow. State machines encode the rules; the UI just exposes them.
Reports built from the audit ledger itself — not from a separate reporting pipeline that could drift. What the auditor sees matches what the system actually did.
CASE STUDY DEEP-DIVE
We engineered the Litigation Management System for Nepal Rastra Bank, the central bank of Nepal. The system tracks the bank’s active and historical legal matters, manages the documents tied to each case, enforces role-based access across legal officers and supervisors, and produces the audit trail the bank’s compliance team relies on.
That single engagement is the proof that the architecture choices on this page aren’t theoretical. A central bank does not pick a vendor lightly — and does not keep one if the work doesn’t hold up. We’ve held the engagement for years because the system holds up.
TECH STACK
Our default for compliance-heavy enterprise systems. Familiar to in-house teams at most banks and regulators, with mature ORM-level audit-log libraries and 10+ years of LTS support.
For new fintech builds where the team is JS-native. PostgreSQL’s schema-per-tenant model is a natural fit for multi-institution platforms.
Audit ledger sits in a dedicated event table, never mutated. Read models project from it. Auditor exports query the ledger directly — never a derived view.
Permissions enforced in the API layer (Laravel Policies or Node-side middleware), not in the front-end. Hiding the button is not access control.
S3-compatible object storage with SHA-256 hashes per version. Retention policies enforced via lifecycle rules at the storage level.
Compliance and operational reports query the event store, not a separate reporting DB. One source of truth, no drift.
HOW WE ENGAGE
2 weeks · fixed fee
You have a system that works, but you’re not sure it will hold up to a regulator’s review. We audit the audit-log architecture, access controls, document management, and workflow encoding — and deliver a written report with concrete remediation priorities.
12–24 weeks · phased delivery
You need a regulator-ready platform from scratch. We deliver an MVP with the six core modules above plus your specific regulatory workflows — production-deployable, audit-ready, and documented for handoff to your compliance officer.
ongoing
You have a system that needs to keep up with changing regulations, rotating auditors, and evolving workflows. We stay engaged on a retainer model — the way we’ve stayed engaged with Nepal Rastra Bank.
FREQUENTLY ASKED
Tell us what your regulator audits. We’ll tell you the architecture choices we’d make on day one.
Direct line, founder-to-founder +977 9851038796 — Roshan Subedi, Founder & MD · 48-hour reply, engineer-only