Certified
ISO/IEC 27001:2022
Information security management
FinTech software development that stands up to scrutiny.
Trading, payments and settlement systems engineered for availability, traceability and compliance from the first commit.
Trusted on systems that cannot fail
Payments modernization in 2026
Safer payments. Stronger systems. Compliance that keeps pace.
69%
Of banks modernize payments to strengthen security, resilience and fraud protection.
65%
Modernize payments to meet changing regulatory requirements.
53%
Modernize payments to replace outdated legacy systems.
Source: KPMG International, Partnering for payment modernization, February 2026. Survey of 500 bank and 500 retail payment executives, September to October 2025.
The problem
See our solution in action
Where delays turn into losses.
In trading and payments, slow execution and transaction errors cost money. New regulatory requirements add pressure to teams already working to keep releases on schedule.
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Legacy systems consume your latency budget
Every system hop adds delay. By the time an order reaches execution, legacy infrastructure has already consumed valuable milliseconds.
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Compliance work takes over the release plan
Each new requirement becomes a separate project. Product work slips as teams make room for another compliance deadline.
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Audit evidence becomes a reconstruction job
Teams piece together evidence after transactions have cleared. The system should capture that evidence as each transaction happens.
Our capabilities
We engineer every step a transaction takes.
We build the systems behind each transaction, from order entry and fraud screening to clearing, settlement and the records your regulators review.
How we build
See how ACDC works
AI moves the work forward. Engineers own every approval.
AI agents draft, build and test. Senior engineers review and sign off at each stage, with the four‑eyes principle built into the delivery process.
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Assess
AI agents Map the code, interfaces and data flows.
Engineers Confirm scope, risks and regulatory constraints.
Stage complete
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Specify
AI agents Draft specifications and acceptance tests.
Engineers Approve requirements before development starts.
Stage complete
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Build
AI agents Write code and tests against the approved specifications.
Engineers Review and approve every merge.
Stage complete
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Verify
AI agents Run regression, load and security tests.
Engineers Review results and sign off the audit evidence.
Stage complete
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Release
AI agents Prepare rollout and rollback plans.
Engineers Authorize each controlled release step.
Stage complete
- Faster time to market
- 30-50%
- Less rework and rip-out
- 40-60%
- Delivery throughput per engineer
- 2-3x
- Requirements covered by tests
- 90%+
Standards
Make audit evidence part of the build.
Our delivery is backed by ISO/IEC 27001 and ISO 9001 certifications. We translate applicable standards and regulatory requirements into specifications, controls and tests.
Certified
ISO 9001:2015
Quality management systems
Controls and requirements we build for
- PCI DSS
- Specify and test controls that protect cardholder data.
- SOC 2
- Build controls against applicable Trust Services Criteria for a Type II examination.
- GDPR
- Build data protection requirements into processing workflows, with a data processing agreement available.
- SFDR / CSRD
- Generate sustainability reports with traceable supporting data.
- KYC
- Integrate identity checks into the payment workflow.
Case study · Seneca ESG
ESG reporting without the manual data chase.
Analysts collected ESG data by hand. Ratings went stale between quarterly reviews, and reporting teams needed structured, auditable data for SFDR and CSRD reporting.
We built pipelines that collect data from more than 50 sources, apply framework-specific scoring and generate SFDR- and CSRD-aligned reports with an audit trail.
Results
- Review throughput
- 3x
- Data sources integrated
- 50+
- To a working MVP
- 8 weeks
- Sector
- FinTech, ESG investing
- Engagement
- Dedicated team of 8, in production at 14 weeks
Certified, accredited and independently reviewed
Our services FinTech software
FinTech software
development services
Every engagement runs on the Agentic SDLC, with senior engineers at every gate and evidence produced as the work proceeds.
Discuss your project- Custom Software Development Trading, payments and settlement platforms built end to end.
- Cloud Services High-availability, compliance-ready cloud infrastructure and DevSecOps.
- System Integration Payment rails, core banking and partner systems on governed interfaces.
- AI Test Automation Spec-derived tests for correctness, compliance and continuous assurance.
- QA & Testing Independent sign-off, with traceability an auditor can follow.
Do you build to PCI DSS?
Yes. PCI DSS requirements are written into the specification and covered by tests, so the evidence is produced as the work proceeds rather than assembled before an assessment.
Can you change a live payment or trading system safely?
Yes. Changes ship behind tests and feature flags in controlled steps, each with a rollback ready, while the platform keeps running.
How do you handle latency-sensitive systems?
We set a latency budget for each hop, measure it under production-like load and treat a breach as a failed test. Our energy trading platform processes events in under 200 milliseconds.
How do you keep up with regulatory change?
Each new requirement becomes a versioned specification with acceptance tests, so it ships through the normal release cadence instead of as a separate project.
How is our data protected?
Delivery runs under our ISO/IEC 27001 certified information security management. We process data under GDPR with a data processing agreement available, and sign NDAs and assign IP as standard.
Contact
Let's Work Together
Tell us what your trading, payments or settlement platform needs. We'll reply within one business day, straight to an engineer.
- Email[email protected]
- Phone(+84) 246.276.3566
- Response TimeWithin 1 business day