Digital wallet and transfers
Balances, top-ups, peer transfers and multi-currency movements, with limits tied to each customer's verification level.
Fintech and payments
Fintech software development company for payments and wallets
We build payment platforms, digital wallets and compliance back-offices for fintechs and for companies embedding payments into their own product, in the US and Latin America.
- NDA before we see your project
- The code is 100% yours
- 30 days of support at no cost
- 100% remote
In short
Fintech software development at Athyrium Studio covers digital wallets, card and bank payments, KYC and KYB onboarding, AML screening, double-entry ledgers and operations back-offices. We design around PCI DSS, SOC 2 style controls and local rules such as Mexico's Fintech Law and Colombia's open finance framework, and we integrate providers and rails such as Stripe, Plaid, SPEI and Bre-B.
Where your payment stack hurts
- 01
Finance reconciles processor payouts against the bank by hand every morning.
- 02
Our KYC flow loses users at the ID upload step, and manual reviews keep piling up.
- 03
Due diligence asked for audit logs of every balance change, and we could not produce them.
- 04
We want to launch in Mexico or Colombia, but our stack only knows US payment rails.
What we build for fintech teams
Payment acceptance
Card, ACH, QR and payment links in one flow, routed to the processor that fits each country and payment method.
KYC and KYB onboarding
Identity and business verification with a manual review queue for edge cases and a stored evidence trail for every decision.
AML screening and monitoring
Sanctions list screening, rules for unusual activity and case management so your compliance officer can document each alert.
Double-entry ledger
Append-only records for every movement, with automatic reconciliation against banks and processors at the end of each day.
Card issuing and embedded payments
Virtual and physical cards through issuing APIs, plus marketplace payouts that split each payment among sellers.
Rails and providers we integrate
- Stripe
- Plaid
- Marqeta
- Onfido
- OFAC sanctions lists
- SPEI
- Bre-B
- PSE
- Mercado Pago
- QuickBooks
Regulatory frameworks we build for
We do not replace your compliance officer, but we design the software so your team can show how it meets these frameworks, with audit trails and controls built into the architecture.
- PCI DSS v4.0.1International
Security standard for any business that stores, processes or transmits payment card data.
- Ley Fintech (2018)Mexico
Mexico's Fintech Law: financial technology institutions need CNBV authorization to operate.
- SARLAFTColombia
Colombia's anti-money laundering and counter-terrorist financing risk system, required by the Financial Superintendence (SFC).
- Decreto 368 de 2026Colombia
Makes Colombia's Open Finance System mandatory, with APIs built to standards set by the SFC.
- Decreto 1297 de 2022Colombia
Colombia's first open finance framework, allowing financial data sharing with consumer consent.
Questions fintech founders ask us
Can you help us reduce our PCI DSS scope?
Yes, and that is usually the first design decision. Card data is tokenized by your processor so it never touches your servers, which keeps most of your system out of PCI DSS scope. We document the data flows and controls your assessor will ask about, while the formal assessment stays with your QSA.
Can one product run on US and Latin American payment rails?
Yes. We put a payments layer between your product and each provider, so the same checkout or payout flow can route to Stripe or ACH in the US, SPEI in Mexico, or PSE and Bre-B in Colombia. Adding a country then means a new connector, not a rewrite of your core.
How do you handle security while building?
We sign an NDA before seeing your requirements, work in your own cloud accounts with least-privilege access, keep production data out of development and require MFA everywhere. Access rules, change logs and deployment history are documented as we go, which helps if you are preparing for a SOC 2 audit.
Who owns the code and the infrastructure?
You do, from the first commit. Repositories, cloud accounts and API credentials are created under your organization, and we join as collaborators you can remove at any time. For a fintech that matters: investors, partner banks and regulators expect you to control your own stack.
What happens after launch?
You get 30 days of free post-launch support to fix issues and adjust flows once real users arrive. After that, maintenance is optional: you can keep us on, hand the system to your in-house team, or combine both, since all documentation and access already sit in your accounts.
Tell us what you are launching
Share the product you want to launch and the partners you already work with. We sign an NDA before you send any model, contract or user data.