Services / 02 // Financial Infrastructure / PCI Compliant Spec

Fintech & Payment
Platforms

Resilient payment gateways, double-entry real-time ledger backbones, custodial digital wallets, and automated multi-currency cross-border reconciliations built to stringent banking-grade compliance requirements.

View Our Work

Compliance StandardPCI-DSS Level 1

Immutable Audit Trails

Zero Variance

02 // FINANCIAL INFRASTRUCTURE PCI COMPLIANT SPEC

Fintech & Payment Platforms

Architecture Specs

Double-entry ledger with immutable audit trail, idempotent transaction processing, PCI-DSS Level 1 tokenization patterns.

Primary Tech Stack

Go (Golang) · Node.js/NestJS · PostgreSQL (ACID) · Redis Enterprise · Stripe · Paystack · Flutterwave

lock Double-Entry Ledger Engine sync_alt Multi-currency FX Orchestration security Compliance Audit Dossier

timelapseTypical Velocity: 8-14 Weeks

LEDGER SETTLEMENT PIPELINE0.00ms VARIANCE

TX_HASH #8912-GBPRECONCILED ✓

Debit: Vault Main [NGN]₦28,450,000.00

Credit: Settlement Escrow [GBP]£14,200.00

Idempotency Key Check:MATCH_VERIFIED

Capelis Finance payment orchestration dashboard with transaction metrics and ledger views

account_balance

Digital Wallet Infrastructure

Custodial and non-custodial wallet architectures with multi-currency balances, transaction histories, and automated settlement flows.

currency_exchange

Cross-Border FX & Reconciliation

Automated multi-currency reconciliation across GBP, NGN, USD, and more. Real-time FX rates, idempotent retries, and zero-drop ledger consistency.

verified_user

Compliance & KYC Pipelines

PCI-DSS Level 1 tokenization, AML flag detection, automated KYC document verification integrations with Stripe Identity and Smile ID.

verified_userZero Vendor Dependency Guaranteed

You own everything: full IP, repositories, secrets, and cloud configurations.

Unlike agencies that maintain proprietary lock-in, every single line of code, staging environment, database seed, and secret key belongs strictly to your legal entity from day one.

chatWhatsApp Founder Directly

01 / Source Code

GitHub / GitLab Org Owner

Direct transfer of repo ownership with clean commit histories.

02 / Infrastructure

Native Cloud Accounts

All AWS, GCP, Vercel & Cloudflare resources run in your domain.

03 / Secrets & Keys

Zero Studio Custody

Encrypted handover of API keys, DB credentials, and SSL certs.

04 / Legal Protection

Mutual NDA & IP Assignment

Enforceable commercial IP assignment agreements in UK & Nigeria.

Delivery Methodology

Four steps from call to launch.

Every step has a concrete deliverable and a clear decision point.

Discovery

Free 30-min call. We scope the project honestly. No commitment required.

Day 1

Scope & Proposal

Fixed spec and price agreed in writing before we write a single line of code.

Days 2-5

Build Sprints

Weekly updates and a live staging environment. Production-grade code, every sprint.

Weeks 2-14

Launch & Support

Full deployment and handover of all code, repositories and credentials. We stay available after launch.

Week 8 onwards

Start A Project

Ready to build compliant financial infrastructure?

Tell us what you are building. We will tell you honestly if we can help, how long it will take, and what it will cost. No pressure.

WhatsApp Us Directly

contact@alphastrive.co.uk · Responds within 24 hours

Common Questions

Fintech FAQs.

Straight answers on compliance, timelines, and handovers.

How long does a typical fintech platform take from start to finish?+

Timeline depends directly on architecture scope. A focused MVP or standalone mobile/web application typically takes 4-10 weeks. Enterprise multi-currency fintech systems with heavy integrations require 12-18 weeks. We provide a milestone-locked delivery schedule during scoping before any financial commitment is required.

Do we retain complete legal ownership of the code?+

Yes, completely and unequivocally. From Day 1, all repositories are hosted either in your company organization or transferred with full administrative control upon completion. We do not retain proprietary code locks, obfuscated binaries, or recurring studio licensing fees.

Can your team take over an existing, broken codebase?+

Yes. We execute a comprehensive architectural and security audit of your legacy codebase. We highlight code smells, security vulnerabilities, and database bottlenecks, providing you with a candid report on whether refactoring or strategic rebuilding is the fastest path to stability.

Do you work with non-technical founders?+

Yes. The majority of startup founders we partner with are commercial or domain experts without engineering backgrounds. We act as your fractional CTO and technical arm, translating product goals into dependable system architectures and providing clear, jargon-free weekly video demos.