UpgradIQ
Fintech

Payment, banking, and investment platforms.

MRR$12KCAC$38LTV$960Performance100%50%0%W1W2W3W4W5Trend

Pain points we solve

Regulatory compliance—AML, KYC, and audit trails consuming months of dev

Fraud detection creating false positives and support load

Real-time settlement reconciliation with banking partners

PCI compliance overhead pulling engineers away from product

How we build

We architect fintech on Supabase with Stripe or Plaid as the payment backbone, implement immutable audit trails for every transaction, integrate third-party fraud and KYC APIs, and structure databases for compliance audits. Security reviews happen first, code after.

Example stack

Next.jsSupabaseStripePlaidAWS KMS

Questions

How do you ensure PCI compliance without handling card data?

We never store, process, or transmit raw card data. Stripe or Plaid owns the encryption and tokenization. We store references and transaction metadata in an encrypted audit log.

Can you build KYC workflows?

Yes, via third-party services like Persona, Onfido, or Socure. We handle the UX flow, document collection, and webhook listening. Compliance teams own the decision rules.

What about multi-currency and FX settlement?

Stripe or your banking partner handles FX. We expose rates in the UI, log settlement timelines, and reconcile daily balances. Your accounting system syncs via API.

How fast can we process payouts?

Depends on your banking partner and account type. Stripe typically settles in 1-2 business days. We queue requests, track statuses, and notify users via email or in-app when funds arrive.

Ready to build for fintech?

Let's scope a product that your users will love.