Built for fintech
We build the systems fintechs stake their business on — payment infrastructure and fraud detection engineered for the accuracy, latency, and audit trail regulators and customers both expect. Every decision in that stack has to survive scrutiny twice — once from a regulator asking for the audit trail, and once from a customer asking why their card was declined. We treat explainability and sub-100ms latency as requirements from day one, not tuning knobs added after a compliance review flags a gap.
Solutions for fintech
Reliable, compliant payment flows across cards, wallets, and bank rails. Integration is scoped around keeping cardholder data out of your systems wherever possible, so your PCI DSS audit surface stays small instead of expanding with every new rail you add.
Built for regulators and real-time decisions
PCI DSS awareness
Cardholder data kept out of scope wherever possible, via compliant processors. That narrows what your team has to certify to an auditor, instead of trying to bring your whole estate into PCI scope.
Low-latency scoring
Fraud decisions made in under 100ms without blocking checkout. A model that adds even a second of noticeable delay costs more in cart abandonment than it saves in blocked fraud, so latency is budgeted like a hard requirement.
Explainability
Every automated decision is logged and explainable for audit and dispute. When a customer disputes a decline, the reviewer console shows exactly which signals fired — not a black-box score nobody on your team can defend.
Regulatory fit
Systems designed around the compliance regime your market requires. We build to the specific regime you operate under and document the controls your auditors need, working alongside whoever holds that compliance relationship rather than replacing them.
Ledgerly: Fintech · Fraud detection
A real-time ML pipeline scoring transactions in under 80ms across three payment gateways.
Read the case study ↗The tools we build with
Latency and explainability are treated as requirements, not tuning — a decision you can't justify is a decision you can't ship.
Core services
Go
Python
Node.js
PostgreSQLRisk & ML
PyTorch
scikit-learn
Pandas
NumPyStreaming & cache
Kafka
Redis
TimescaleDB
RabbitMQPayments & security
Stripe
Auth0
Terraform
DatadogFintech FAQ
We target sub-100ms scoring so the check fits inside the existing payment flow rather than running after the fact. A model that adds seconds to checkout costs more in abandonment than it saves in fraud.
Related work
Related reading
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