01
Banking-as-a-Service
API platform for embedded banking partners and program managers.
Financial Services / Scalable API Platform for Fintech
Scalable API Platform for Fintech
We engineer fintech API platforms designed for predictable latency, regulatory rigor, and rapid third-party integration — capable of handling millions of transactions while staying audit-friendly from day one.
<100ms
p99 transaction latency
PCI-DSS L1
Reference architecture and audit trail
60%
Faster partner integration time
Trusted by global innovators
Industry Overview
Scalable API Platform for Fintech: Engineered End-to-End
Modern fintechs win or lose on their API platform — the layer where partners integrate, compliance is proven, and product velocity is set. We build that layer to be both engineering-elegant and regulator-ready.
Industry Challenges
What Stops Most Teams From Solving This Today
Common friction points we hear from financial services teams scoping this kind of platform.
Latency Variance: Even occasional p99 spikes break partner SLAs and cost real revenue.
Compliance Burden: Bolt-on PCI and SOX controls slow every release and audit.
Integration Drag: Partners spend months integrating with poorly documented or unstable APIs.
Multi-Region Complexity: Global fintechs need active-active multi-region without losing transactional consistency.
Our Approach
Our Engineering Approach
We engineer for the operational reality — not the demo.
Latency-Engineered Core
Rust and Go services with predictable latency and zero-copy hot paths.
Compliance-Native Architecture
PCI segmentation, SOX-aligned change control, and immutable audit logs by default.
Partner-First API Design
Documented, versioned, sandboxed APIs that partners integrate in weeks, not months.
Capabilities
Capabilities
Production-grade features the platform ships with from day one.
API Gateway
High-performance gateway with rate limiting, mTLS, and partner identity.
Event-Sourced Ledger
Immutable, replayable transaction history backed by event sourcing.
Multi-Region Active-Active
Geographically distributed deployments with consistent transactional semantics.
Webhook & Streaming
Reliable, idempotent webhooks plus realtime streams for partner consumption.
Fraud & Risk Hooks
Pluggable fraud and risk decision engines with sub-50ms response.
Sandbox & SDKs
Polished sandboxes and language SDKs for fast partner onboarding.
Audit Logging
Immutable, queryable audit logs aligned to PCI and SOX requirements.
Observability
Per-endpoint, per-partner SLOs and tracing baked into the platform.
How It Works
Reference Architecture
How data and decisions flow end-to-end.
Edge & Identity
API gateway, mTLS, and partner identity at the edge.
01
1
Transaction Core
Event-sourced ledger with strong consistency where it matters.
02
2
Decision Layer
Fraud, risk, and policy decisions co-located with transaction flow.
03
3
Integration Layer
Webhook delivery, streaming, and partner-facing APIs.
04
4
Compliance & Audit
Immutable logs, evidence collection, and regulator-friendly exports.
05
5
Engineering Stack
Technology Stack
A pragmatic stack chosen for reliability, speed, and ease of operation.
Core Services
RustGoTypeScriptgRPCGraphQL
Data
PostgreSQLKafkaRedisTimescaleDB
Identity & Compliance
OAuth 2.0OIDCVaultOpen Policy Agent
Infra
KubernetesLinkerdCloudflareTerraform
Payments
StripeAdyenACHSWIFTRTP
Observability
OpenTelemetryGrafanaDatadog
Measured Impact
Measured Impact
Quantified outcomes from production deployments.
<100ms
p99 latency
60%
Faster partner integration
99.99%
Multi-region uptime
0
Material PCI findings
Fintech B2B Lending API
A fintech lending platform needed an API foundation that could power dozens of bank and partner integrations. We replaced their first-generation Node.js stack with an event-sourced Rust + Go core in seven months.
p99 latency dropped from 420ms to 78ms, partner integration time fell from three months to six weeks, and the platform passed PCI-DSS Level 1 with zero material findings.
Case Study
Use Cases
Where This Earns Its Keep
Common deployment patterns we see across customers.
02
Lending Platforms
Consumer and SMB lending with origination, servicing, and partner APIs.
03
Payments Orchestration
Multi-processor routing with smart retries and reconciliation.
04
Wealth & Brokerage
Trading and portfolio management APIs for wealth platforms.
05
Crypto / Stablecoin Rails
Compliance-first integration with crypto and stablecoin networks.
06
Open Banking
Consumer-permissioned data exchange via FDX or PSD2 patterns.
Integrations
Integrates With Your Existing Stack
We connect to the systems your teams already know.
Payments
StripeAdyen
Banking
Plaid
Card Issuing
MarqetaGalileo
Treasury
Modern Treasury
Analytics
Snowflake
Compliance-First Development Services Backed by Global Standards
We build secure, scalable products designed for privacy, interoperability, and regulatory readiness from day one across every sector we serve.
General Data Protection Regulation
Implement lawful consent flows, data minimization, and secure processing for global data privacy.
Service Organization Control 2
Verified controls for security, availability, and confidentiality of enterprise data systems.
Information Security Management
Adhering to the international gold standard for managing information security risks.
Payment Card Industry (PCI DSS)
Securing payment transactions and protecting cardholder data with industry-best practices.
Our Edge
Why Global Leaders Choose Us
We combine deep technical expertise with industry-specific knowledge to deliver solutions that aren't just functional, but transformational.
Enterprise-Grade Security
We implement rigorous security protocols and compliance standards (HIPAA, GDPR, SOC2) across all industrial solutions to protect sensitive data.
High-Performance Scaling
Our architectures are built to handle massive data loads and user bases, ensuring seamless performance whether you're serving ten or ten million.
Accelerated Time-to-Market
Leveraging our suite of internal tools and proven frameworks, we reduce development cycles and get your product to market 40% faster.
Embedded AI Integration
Beyond simple wrappers, we build deep-learning integrations and predictive analytics directly into the core of your industry-specific workflows.
Engagement Model
Engagement Model
Predictable, structured delivery from kickoff through long-term ownership.
01
Discovery & Scoping
We map the existing systems, constraints, and stakeholders to scope a focused 8–12 week first delivery.
02
Architecture & Pilot
A working slice on a representative environment — proving the data flow end-to-end before scaling.
03
Production Engineering
Hardened services, observability, access controls, and audit logging go live behind your IAM.
04
Operate & Iterate
We stay on as the embedded engineering team — closing tickets, tuning models, and shipping new value.
Voices of Success
We don't just build products; we forge lasting partnerships. See how we've helped industry leaders transform their vision into technical reality.
"I can clearly see how Agnotic has a unique way of handling end-to-end development. They are always active on quick chat and provide support quickly."
Aaron Phelan
Founder, Benchmark
"Agnotic is the best technical team we evaluated. Their engineering excellence made our work dramatically easier and allowed us to stay focused on what matters most for maternal care outcomes. They took full ownership of the technical execution, and we are always happy to continue working together."
Kim Smith
Founder, My Lauren
"Agnotic combines deep technical expertise with strong domain knowledge. They understand the business context, anticipate challenges, and make collaboration smooth and effective."
John Pasmore
Founder, Latimer
More in Financial Services
More Financial Services Solutions
Explore other production-grade engineering platforms we deliver across financial services.
Cross-Industry Reach
The Same Engineering Patterns, Across Other Industries
The technical patterns behind this platform translate naturally into adjacent verticals.
Frequently Asked Questions
We design CDE segmentation, scoped logging, and regular evidence collection from day one. Most customers reach Level 1 within their first audit cycle on the platform.
Industries
A Unified Vision that Caters to Diverse Industry Demands
Build your next financial services platform with us
We engineer production-grade financial services platforms end-to-end. Talk to us about scoping a focused 8-week pilot.