Financial software where every penny adds up
We build software for fintech start-ups, lenders, payment businesses and established financial firms. In this sector correctness, security and a clear audit trail matter as much as the user experience.
What gets in the way
- Money movements must be exact, traceable and reconciled, with no room for rounding errors or lost transactions.
- Customer onboarding needs identity and anti-money-laundering checks without driving applicants away.
- Legacy core systems make it slow and risky to launch new products or channels.
- Regulators and auditors expect detailed records of who did what, when and why.
Built with the rules in mind
Financial software is shaped by standards and rules such as PCI DSS, PSD2 and open banking, anti-money-laundering requirements and data protection law including UK GDPR. We build with these in mind and work with your compliance team and advisers, who remain responsible for regulatory sign-off.
Technologies we often use
How we help in your market
The rules, platforms and buyer expectations differ by region. We design for the one you sell into.
Europe & UK
Firms answer to the FCA or national regulators, build on PSD2 and Open Banking APIs, and must show operational resilience under DORA and the UK equivalent. We build strong customer authentication, reconciled ledgers and incident logging into the product, and your compliance team keeps regulatory sign-off.
United States
Depending on the product, US fintechs deal with the SEC, FINRA, state money transmitter licences and bank partner due diligence, where a SOC 2 report is often requested. We build the controls, access reviews and evidence trails those processes rely on, and work alongside your auditors and counsel.
Canada
Canadian firms report to FINTRAC for anti-money-laundering purposes, and banks and partners expect OSFI-style technology risk controls. We build onboarding, transaction monitoring and reporting flows with these rules in mind, and design APIs ready for Canada's consumer-driven banking framework and Interac payments.
What we build for fintech
Payment integrations
Card, bank transfer and wallet payments with reliable reconciliation.
Digital onboarding
Account opening flows connected to identity verification and screening providers.
Lending platforms
Application, decisioning, servicing and repayment tracking in one system.
Wealth and investment portals
Client dashboards, reporting and document delivery.
Ledgers and back-office tools
Double-entry ledgers, reconciliation and operations tooling with full audit trails.
Risk and fraud models
Machine learning for scoring and anomaly detection, with explainable outputs.
How we help
Custom Software Development
Bespoke business systems built around how your organisation actually works, not how an off-the-shelf package assumes it does.
Web Application Development
Secure, fast web applications and customer portals that work in any browser and scale as your user base grows.
AI & Machine Learning
Practical AI: LLM features, agents, document extraction and predictive models, built with your data privacy in mind.
Cloud & DevOps
Cloud architecture, migrations, CI/CD pipelines and infrastructure as code, all set up in cloud accounts you own.
API & Systems Integration
APIs and integrations that connect your CRM, ERP, payments and internal systems so data moves without manual re-keying.
QA & Software Testing
Manual and automated testing, performance and security checks so releases reach users without unwelcome surprises.
Common questions
How do you make sure financial calculations are correct?
We store money as integer minor units or exact decimals, never floating point, use double-entry ledgers where appropriate and back every rule with automated tests.
Can you integrate with identity verification and screening providers?
Yes. We connect to the verification, screening and open banking providers you choose through their APIs.
Do you handle card data directly?
We usually recommend using a payment provider's hosted fields or checkout so card data never touches your servers, which greatly reduces your PCI DSS scope.
Is Quoryx authorised or certified to build financial systems?
We are a software house, not a regulated financial firm, and we do not claim certifications. We build with standards such as PCI DSS and anti-money-laundering requirements in mind and work with your compliance team, who remain responsible for regulatory sign-off.
Can you build on open banking APIs?
Yes. We integrate with regulated open banking providers for account information and payment initiation, handling consent flows and token refresh so customers can connect their accounts smoothly.
How do you create a reliable audit trail?
Every financial event and administrative action is recorded with who, what and when, stored so it cannot be quietly edited, and made searchable for your compliance team and auditors.
Can you modernise a legacy core system safely?
Yes, usually in stages. We place modern APIs around the existing core, move functions across one at a time and run old and new in parallel with reconciliation checks before switching over.
How do you test financial software?
We combine automated tests for every calculation and business rule with reconciliation checks, edge cases such as currency rounding and partial refunds, and security testing before each release.
Can fraud or credit models be explained to regulators and customers?
We favour models and techniques whose decisions can be explained, record the factors behind each score and keep a person in the loop for decisions that significantly affect customers.
How long does a fintech MVP usually take?
A focused product such as an onboarding flow or lending portal often takes three to six months from signed-off requirements. Regulatory reviews and third-party provider onboarding can add time, so we plan for them early.
More sectors we serve
Have a project in mind? Let’s talk.
Tell us what you are building. We reply within one business day with next steps — and we are happy to sign an NDA first.