Fintech engineering
Fintech app development company for regulated products
KGF builds banking, payments and compliance products that run in production — core-banking integrations, SEPA and SWIFT rails, KYC/AML onboarding, ledgering and the admin tooling your operations team needs on day one.
What we build
Core banking integration
We connect products to real core-banking systems — Temenos T24 through our multi-tenant bridge, Mambu core services, and ISO 20022 message flows — instead of stubbed sandboxes.
Payment rails
SEPA and EUR payouts, MT103 wire generation, pain.001 files, card programme integrations and HSBC Open Banking connectivity, wired behind one payments abstraction.
KYC, KYB and AML
Identity and liveness verification, entity onboarding with GLEIF LEI validation, sanction and role checks, and full audit trails on every decision.
Ledger and reconciliation
Double-entry ledgering, reconciliation dashboards against provider statements, and wire status tracking so finance teams can close the day.
Compliance operations
Role-based admin consoles, signed certificates with RFC references, retention rules and exportable reporting for auditors and regulators.
Run and scale
Webhook health monitoring, dead-letter queues, alerting, synthetic checks and go-live readiness reporting come with the build, not after it.
How a build runs
- 1
Scope and licensing review
We map the product to the licences, providers and jurisdictions it needs before writing code.
- 2
Rails and data model
Accounts, ledger, limits and payment rails are designed first — the UI follows the money model.
- 3
Build with real integrations
Every integration is wired to the live provider contract, with signed webhooks and idempotent handlers.
- 4
Hardening and go-live
Security review, RLS-enforced data access, monitoring, and a documented go-live readiness report.
