Hayaiti / Software for Fintech
Payment rails, double-entry ledgers, KYC/AML hooks, BaaS plumbing. Idempotent submission, reconciliation jobs, audit trail by default. Boring tech, on purpose.
3 recommended custom software packages for Fintech. Pay 50% upfront. Source code yours.
Why this combo
The decisions we made differently — and why they matter for fintech specifically.
Every money movement is two entries that net to zero. Reconcilable to the cent against your bank, Stripe, and processor reports. We've debugged off-by-cent bugs at 2am — we don't ship balance-column ledgers anymore.
Idempotency keys on payment intents, transfers, payouts, and webhooks. Retries don't double-charge. Network blips don't duplicate orders. We bake this in before the first dollar moves.
Tokenize via Stripe / Spreedly / Basis Theory. We architect for SAQ A or SAQ A-EP, not SAQ D. Smaller scope means smaller audit means cheaper QSA bill.
Unit, Treasury Prime, Synapse, Increase, Column — the BaaS integration playbook covers all five. Provider-agnostic abstractions where the cost is reasonable, not over-engineered when you'll only ever have one.
Persona, Alloy, Sumsub, Plaid Identity Verification — we wire what you've picked. We're software engineers, not BSA officers. Your compliance team owns the policy; we own the integration.
Signature verification, replay-window enforcement, deduplication, dead-letter queues, retry with backoff. Stripe / Plaid / partner-bank webhooks land in your queue cleanly or alert your on-call — not silently disappear.
Industry context
average cost of a financial-services data breach in 2024
IBM Cost of a Data Breach Report 2024
USD in US instant-payment volume processed in 2023 (RTP + Zelle + same-day ACH)
The Clearing House + Nacha 2023 reports
Hayaiti Web App MVP — auth + Stripe + dashboard + ledger primitives, 30 days
Hayaiti Custom API — payment integrations, BaaS plumbing, webhook handlers, 28 days
Why Hayaiti
Fintech software is unforgiving in two specific ways: regulatory exposure if you cut corners, and customer trust if a single transaction goes sideways. Our build playbook covers payment integrations, double-entry ledgers, BaaS pipelines, and reconciliation jobs that survive month-end close. We are NOT a money transmitter, a bank, a registered investment advisor, or compliance counsel — we are the engineering layer underneath the regulatory wrapper your fintech-attorney built. That separation is the right one; we keep our hands clean of policy decisions and ship code that does what your compliance docs say it does.
Recommended packages
The custom software packages that fit fintech engagements best. Fixed price, fixed timeline, source code yours.
Most fintech projects start with Web App MVP, then Internal Tool / API.
Auth, database, dashboard, payments. Ship-ready Next.js app.
delivered in 30 days
50% upfront · final 50% on delivery · source code yours
Custom API + admin UI. Auth, audit logs, role-based access.
delivered in 4 weeks
50% upfront · final 50% on delivery · source code yours
Need something custom? See all SKUs or email us.
Shape of work
A small fintech needed to connect their internal book to a clearing broker's API and reconcile positions, cash, and corporate actions every night without manual intervention. Their existing approach was a CSV download + Excel macro maintained by one person.
Spec engagement built to set the bar — same playbook a real client gets. Real cases publish after launch with the client’s sign-off.
FAQ
No. We build software that other companies use to move money under their own licenses or partner-bank arrangements. The MTL, the BSA program, the FinCEN registration — those belong to you (or your sponsor bank). We write the code that talks to the rails.
Yes — the BaaS integration playbook covers Unit, Treasury Prime, Increase, and Synapse. Tell us which sponsor bank arrangement you have or want, and we architect the data model + webhook handlers around their API. If you haven't picked a provider yet, we can scope a comparison call as a quick-bid SKU.
We implement the integrations (Persona, Alloy, Sumsub, Plaid IDV), the data model, the workflow state machines, and the audit logs. The actual program — risk thresholds, escalation rules, SAR filing — that's your compliance officer's call. We give them the tools that make their decisions enforceable in code.
Architect for scope reduction first: tokenize at the edge so card data never hits your servers. We aim for SAQ A or SAQ A-EP, not SAQ D — that's a 10x difference in audit complexity. The formal QSA assessment is by a licensed Qualified Security Assessor; we refer to QSAs in our network.
Define 'high-volume'. The architecture is sized for thousands of transactions per minute reliably with idempotency + queueing. For genuine high-frequency or sub-millisecond requirements (HFT-adjacent fintech), we'll tell you upfront if it's outside our wheelhouse.
Yes — mutual NDA, sent as PDF before the first technical call. Standard for fintech work; we don't share architecture or strategy with anyone, internally or externally.
We integrate via your sponsor bank's RTP/FedNow endpoints. We've worked with Treasury Prime, Increase, and Column for RTP rails. The 24/7 availability requirement changes how you architect retries and reconciliation — we know what that looks like.
Start with an audit, or jump straight to pricing. Either way, you talk to engineers — not a sales funnel.