Production-grade financial infrastructure — engineered, integrated, operated.
From payment orchestration and Loan Management Systems to digital banking and embedded finance — we design and ship the technical platforms that move regulated money.
140+
Global Rails
99.99%
API Uptime
82ms
p95 Latency
Treasury · Production
Settlement Ledger
ACH · Settled
merchant_82AF
SEPA · In-flight
wire_p4Q9
Card · Captured
pi_kAx12
Payout · Queued
po_zL83
Auth Rate
96.4%
FX Spread
0.28%
Recon
T+0
Compliance
PCI · SOC 2 · GDPR
Throughput
12.4k tx/sec
Engineered for regulated institutions
Six implementation modules. One financial stack.
Each module is engineered, integrated, and operated end-to-end — so your platform connects to global financial rails without the regulatory overhead.
Banking API Rails
Technical deployment of BaaS (Banking-as-a-Service) layers, connecting your platform to core ledgers for virtual account management and ledger syncing.
Compliance Logic
Integrating identity verification (KYC/KYB) and AML screening providers directly into your onboarding flow with custom risk-logic triggers.
Payment Connectivity
Multi-gateway implementation including Stripe, Adyen, and PayPal. We build the failover logic and unified data schemas for your transaction history.
Card Infrastructure
Engineering the technical hooks for virtual card issuance, webhooks for real-time spend authorization, and digital wallet (Apple/Google Pay) provisioning.
FX & Settlement Rails
Deployment of cross-border payment logic across SWIFT, SEPA, and ACH networks, optimized for automated multi-currency treasury management.
FinTech Hosting
Architecture of secure, high-availability server environments optimized for financial data processing and regulatory data residency requirements.
Built for every shape of regulated money.
Whether you're issuing cards, originating loans, or moving funds across borders — we engineer the technical platform behind it.
Payment Orchestration for Marketplaces & SaaS
Multi-gateway routing, split payments, marketplace payouts, and merchant onboarding flows — embedded directly into your product.
- Stripe Connect & Adyen MarketPay
- Smart routing with failover logic
- Automated KYC and merchant verification
- Custom webhook & ledger sync layer
End-to-End Loan Management System
Full-lifecycle LMS — origination, underwriting, disbursement, servicing, and collections — for Retail, SME, and Islamic Finance lenders.
- Automated KYC / KYB / AML and bureau pulls
- Configurable decisioning rules engine
- Servicing, collections & NPA early-warning
- 25+ loan products across Retail, SME, Islamic
Neobank & BaaS Platforms
Core banking integration, virtual account management, card issuance, and digital wallet provisioning — on top of BaaS providers or core platforms.
- Core banking API orchestration (Treezor, Solaris, Galileo)
- Virtual & physical card issuance
- Apple / Google Pay provisioning
- Multi-currency wallets & ledger
FX & Cross-Border Settlement
SWIFT, SEPA, ACH, and local-rail orchestration with multi-currency treasury, FX conversion, and automated reconciliation.
- SWIFT, SEPA Instant, ACH, FedNow
- Real-time FX with rate locking
- Multi-currency treasury management
- Automated T+0 reconciliation
A four-layer financial platform — built to scale.
Every implementation follows the same battle-tested architecture: clean separation of concerns, isolated security perimeters, and observability baked in from day one.
01 · Experience Layer
Customer & Operator Frontends
Web, mobile, and back-office UIs — built on React or Vue, hardened against XSS and CSRF, and instrumented for analytics.
02 · Orchestration Layer
API Gateway, Workflows & Decisioning
Stateless services that orchestrate payments, run KYC pipelines, evaluate credit rules, and emit ledger events — all with idempotency keys and retry semantics.
03 · Integration Layer
Banking, Card & Compliance Adapters
Typed connectors for Stripe, Adyen, Galileo, Treezor, Plaid, and core banking systems — with circuit breakers, webhook normalization, and structured retry queues.
04 · Data & Ledger
Immutable Ledger, Audit Trail & Observability
Double-entry ledger, append-only audit log, encrypted PII vault, and full-stack observability (logs, metrics, traces) for regulator-ready evidence.
Security
AES-256 · KMS · Vault
Identity
OAuth 2.0 · OIDC · mTLS
Observability
OpenTelemetry · SIEM
Resilience
Multi-AZ · Active-Active
Integration Speed
10x Faster
Your Bridge to Global
Financial Rails.
We specialize in the complex technical implementation of payment gateways and banking APIs. Our team handles the heavy lifting of code, security, and connectivity so you can focus on your business.
Seamless Gateway Integration
Expert deployment of Stripe, Payoneer, and local rails like Easypaisa. We build the connectors; you collect the payments.
Technical Compliance Logic
Implementing PCI-compliant data handling and secure tokenization layers to reduce your regulatory burden from day one.
Security posture, baked into every layer.
We engineer against the frameworks regulators actually audit against — and we work with your compliance team to produce the evidence trail they'll ask for.
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Encryption by default
AES-256 at rest, TLS 1.3 in transit, envelope encryption for PII fields.
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Least-privilege access
Role-based access control, hardware-backed secrets, audit logs for every read.
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Network isolation
Private VPCs, mTLS between services, WAF and DDoS mitigation at the edge.
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Continuous attestation
Automated control monitoring with evidence collection for SOC 2 and PCI audits.
PCI DSS
Level 1 readyPayment card data handled per Level 1 controls — tokenization, segmentation, attested infrastructure.
SOC 2 Type II
OperatingSecurity, Availability, and Confidentiality trust principles — with continuous controls monitoring.
ISO 27001
AlignedInformation security management system aligned with ISO 27001 controls and risk processes.
GDPR & CCPA
Privacy by designData minimization, right-to-erasure, regional storage, and DPA-ready data processing addenda.
PSD2 / SCA
Strong AuthStrong Customer Authentication, 3-D Secure 2, and Open Banking flows for EU and UK markets.
KYC / AML
AutomatedIdentity verification, sanctions screening, PEP, and adverse-media checks via Sumsub, Onfido, ComplyAdvantage.
From kick-off to production — in six weeks.
A predictable, milestone-driven engagement designed for regulated environments. No surprises at audit time.
Week 1
Discovery & Architecture
Stack audit, gateway selection, security model, and the deployment topology — signed off before code is written.
- Tech architecture doc
- Security threat model
- Integration matrix
Week 2–3
Sandbox Integration
Build connectors to payment, banking, and KYC providers in sandbox — with idempotent webhooks and structured retries.
- Connector microservices
- Webhook normalization
- Sandbox UAT
Week 4–5
Hardening & Pen-Testing
Load tests, chaos drills, third-party penetration test, and full SOC-style controls review against your compliance map.
- Pen-test report
- Load-test SLOs
- Audit evidence pack
Week 6+
Go-Live & Operate
Blue-green production cutover, observability stack live, and 24×7 on-call coverage on an SLA-backed retainer.
- Production runbook
- SLA & on-call
- Quarterly review cadence
Stop waiting weeks for settlements.
A typed SDK, idempotent APIs, and a real ledger underneath — so your engineering team ships in days, not quarters.
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T+0 settlement for supported high-volume merchants
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99.99% rolling uptime across redundant cloud regions
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Idempotency keys & structured retries on every call
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OpenAPI specs, typed SDKs, and sandbox keys in minutes
// 1. Initialize the SDK with your scoped key import { AppGlobal } from '@appsglobal/fintech'; const ag = new AppGlobal('sk_live_...'); // 2. Transfer funds with idempotency guarantees const transfer = await ag.transfers.create({ amount: 50_000_00, currency: 'USD', source: 'acct_treasury_us', destination: 'bank_acct_8c2d...', rail: 'ach.same_day', idempotencyKey: 'inv_1729_payout', }); // 3. Stream webhook events to your ledger ag.on('transfer.settled', async (evt) => { await ledger.commit(evt); });
Numbers that hold up at audit time.
Aggregate metrics across active production deployments — engineered for the kind of scrutiny regulators bring.
99.99%
Platform Uptime
Rolling 12-month average
12.4K
Transactions / sec
Sustained peak throughput
82ms
API Latency p95
Measured at the edge
140+
Financial Rails
Banking, card, FX, crypto
6 wks
Average Time-to-Live
From kickoff to production
Zero
PCI Audit Findings
Across active deployments
T+0
Settlement Time
For supported high-volume merchants
24×7
Engineering On-Call
SLA-backed coverage
Three ways to work with us.
Pick the shape that fits your stage — startup MVP, enterprise rollout, or ongoing technical partnership.
Fixed-Price MVP
From $35k
Scoped, milestone-driven build of your core FinTech product — typically 8–12 weeks to first production cohort.
- Defined scope & timeline
- Weekly sprint demos
- Production-ready on day 1
- Includes pen-test & audit pack
Dedicated FinTech Squad
From $28k / month
A senior engineering pod — typically 4 engineers, 1 architect, 1 PM — embedded with your team for continuous delivery.
- Senior engineers only — no outsourcing
- Quarterly OKRs and roadmaps
- Embedded into your tooling & Slack
- 24×7 production on-call
Technical Advisory
From $6k / month
Fractional CTO and architecture review — for in-house teams that want a senior FinTech partner without staffing up.
- Architecture & security reviews
- Vendor selection guidance
- Compliance roadmap support
- Quarterly executive readouts
Engineered for industry pioneers.
A selection of FinTech, loan management, and digital-banking platforms we've engineered end-to-end.
DocArrow
EthicsLogic
Quality Home Management
Strategic Partner
Ready to modernize your financial rails?
Verification: App Global USA LLC maintains active partnerships with verified financial networks and registered clearing houses globally.
Operators who trusted us with critical financial paths.
"AppsGlobal reduced our onboarding friction by 40%, letting us launch our financing product in three new markets within a quarter. Their team owns the integration like it's their own product."
Sarah E.
Head of Product · Loan Management Platform
"They engineered our payment orchestration layer to be provider-agnostic. Switching gateways used to be a quarter-long project — now it's a config change."
Marcus K.
CTO · Marketplace SaaS
"Our auditors went into the SOC 2 review expecting weeks of follow-up questions. The evidence pack AppsGlobal produced closed the controls review in one session."
Priya N.
VP Engineering · Digital Bank
What teams ask before we start.
Pulled from real first calls with FinTech founders, banking product leads, and compliance teams.
Have a different question? Talk to usNo. We are a technology partner — we engineer the platform and integrate to your licensed banking, BaaS, or money-transmission partners. Your regulatory perimeter stays with you; we make sure the engineering posture is defensible during audits.
We have production integrations with Stripe, Adyen, PayPal, Stripe Connect, Galileo, Marqeta, Treezor, Solaris, Synapse, Plaid, ComplyAdvantage, Sumsub, and Onfido — plus direct ACH, SEPA, SWIFT, and FedNow rails. If your provider isn't listed, we'll scope a connector.
Our default architecture keeps you out of PCI scope: card data is tokenized at the edge through your processor (Stripe Elements, Adyen Drop-in, etc.) and never touches your servers. For card issuing or unique use cases that require Level 1 PCI handling, we architect the tokenization perimeter and produce the SAQ-D evidence.
Yes — most engagements are co-builds. Our pod embeds into your tooling (GitHub, Linear, Slack), owns the financial-infrastructure modules, and works alongside your in-house team. Knowledge transfer is built into every sprint so you can take ownership any time.
For an MVP build (payment orchestration + onboarding + core ledger), expect 6–8 weeks to first production cohort and 10–14 weeks to general availability. Loan Management Systems and full digital banking platforms typically run 12–20 weeks for V1, depending on jurisdiction and licensing.
Yes — we sign mutual NDAs before any IP-sensitive scoping work. We also produce architecture, threat-model, and SOC 2 evidence documents that you can hand to your compliance and audit partners.
We offer SLA-backed retainers covering 24×7 on-call, observability operations, dependency upgrades, security patching, and a quarterly architecture review. Most clients keep our pod for 6–18 months post-launch as the ongoing engineering partner.
Ready to engineer the next phase of your financial stack?
Tell us where you are — payment orchestration, Loan Management System, embedded finance, or a full digital bank — and we'll respond with a scoped, fixed-price plan within one business day.