Build Financial Products
Around Compliance and
Scale
Cypherox develops secure financial software, APIs and AI systems designed around FCA and PRA regulations, open banking workflows, fraud detection and the data architecture that modern financial platforms demand.
Security, Compliance and
Regulatory Hardening Built
In
Every financial system must start with regulatory architecture. Cypherox builds around FCA Conduct of Business rules, PRA operational resilience, open banking consent flows, SCA requirements and DORA third-party risk frameworks so compliance is engineered, not retrofitted.
Compliance architecture from day one
FCA and PRA Aligned Architecture
Systems designed around Conduct of Business, UCITS, MiFID II and operational resilience obligations so regulatory reporting and audit trails are native to the platform.
Open Banking and Consent Engineering
AISP and PISP workflows built to PSD2 and UK PSRs 2017 standards, including SCA challenge flows, variable recurring payments and consent-withdrawal mechanics that meet FCA supervisory expectations.
Fraud Detection and Financial Crime
Real-time transaction monitoring, ML-driven anomaly detection and AML/KYC automation integrated into payment and onboarding workflows to reduce financial-crime exposure.
Data Security and Encryption
PCI-DSS-compliant payment handling, encrypted data at rest and in transit, API-layer security and secure credential management built into every financial application.
When Generic Software Fails Financial Workflows
Financial platforms face requirements that off-the-shelf software cannot meet. Legacy core systems cannot expose clean APIs. Payment flows must handle SCA without blocking customers. Fraud signals must trigger immediately. Regulatory reporting must be auditable. Cypherox builds systems that understand these constraints.
Legacy core systems with no API layer, forcing manual data export and compliance risk.
Payment flows blocked by poor SCA consent design, raising abandonment and regulatory friction.
Fragmented fraud signals across channels, missing fast-moving financial crime.
Regulatory reporting backlogs, manual reconciliation and audit-readiness gaps.
API Modernisation
Secure API layers exposing legacy core data without rip-and-replace, enabling open banking workflows and third-party integrations at scale.
Consent and SCA Flows
Purpose-built payment initiation workflows with intelligent SCA challenge logic so customers authorize quickly and compliance is built in.
Real-Time Fraud Detection
Transaction monitoring, behavior scoring and anomaly detection running on every payment so fraud signals trigger immediately.
Regulatory Reporting Automation
Automated data pipelines for FCA reporting, PRA returns and audit logs so compliance burden becomes operationally embedded.
Specialized Solutions for
Financial Services
Financial software spans multiple domains. Cypherox builds across payment initiation, wealth platforms, embedded finance, lending systems, fraud detection and regulatory tech.
Open Banking Platforms
Design and build AISP and PISP platforms that integrate multiple banking networks, manage consent workflows and deliver account aggregation or payment initiation to consumers and businesses.
Have a Project in Mind? →Wealth and PFM Dashboards
Portfolio analytics, performance reporting, goal-tracking and financial planning tools that connect to investment and banking data while maintaining data security and GDPR compliance.
Have a Project in Mind? →Lending and Credit Platforms
Loan origination, underwriting automation, credit decision engines and loan management systems built around affordability rules and regulatory lending obligations.
Have a Project in Mind? →Embedded Finance
APIs and SDKs that bring payments, lending and insurance into non-financial platforms so customers can access financial services without leaving the host application.
Have a Project in Mind? →Fraud and Financial Crime
Real-time transaction monitoring, ML risk scoring, sanctions-list screening and know-your-customer automation that reduce financial crime exposure and improve operational efficiency.
Have a Project in Mind? →Regulatory Reporting and Compliance Tech
Automated data pipelines that collect, validate and report to the FCA, PRA and other regulators, so compliance becomes an engineering function rather than a manual process.
Have a Project in Mind? →Real-World Engineering.
Proven Outcomes.
Open Banking Integration at Scale
A leading UK fintech platform needed to launch open banking payment initiation but faced uncertainty around SCA consent flows, PSD2 compliance and customer experience during authorization. Cypherox designed and deployed a PISP platform integrating multiple banking networks, implemented intelligent SCA challenge logic that reduced customer friction while satisfying FCA requirements and monitored fraud signals in real time. The platform processed over 2 million transactions in its first year with 99.8% uptime and zero regulatory incidents.
Technical Architecture Implemented
- Multi-region active-active Kubernetes clusters on AWS with automated failover under 5s.
- Apache Kafka message backbone processing 14,000+ financial events per second with zero message drop.
- Optimized ONNX AI model scoring incoming wire transfers in 14ms against fraud behavioral vectors.
- PCI-DSS Level 1 certified vault with cryptographic tokenization and automated key rotation.
Built for Production Scale and
Regulatory Change
Financial platforms must handle scale, maintain uptime under market stress and adapt to regulatory changes without downtime. Cypherox builds systems designed for production financial engineering.
Scales to millions of daily transactions across payment, lending and fraud detection without latency degradation.
Maintains 99.9%+ uptime through active-active deployment, automated failover and zero-downtime deployments.
Adapts to regulatory change through versioned APIs, feature flags and deprecation-managed migrations so compliance updates do not disrupt live systems.
Supports audit and forensic analysis through immutable transaction logs, encryption key management and compliance-ready data retention.
Request a Financial Technology Review
Share details of your financial product, the workflows you need to support and your regulatory and integration context and we will discuss technical and commercial next steps.
Engagement Models
Tailored to Your Scope
Choose the engagement model that fits your timeline, budget and how much control you want over day-to-day delivery.
Hourly Hiring
Bring in a financial engineer for specific features, compliance reviews, or technical investigation without a long-term commitment.
- Pay only for hours worked
- No minimum monthly commitment
- Scale up or down as needed
- Fast to start
Dedicated Monthly
A financial engineer works exclusively on your platform every month, integrated into your team and delivery cycle.
- Full-time focus on your platform
- Consistent engineer across sprints
- Direct communication with your team
- Predictable monthly cost
Fixed Cost Solution
A defined scope, timeline and cost agreed upfront, suited to financial projects with clear requirements and measurable milestones.
- Scope agreed before work begins
- Cost certainty from the outset
- Milestone-based delivery
- Fits well-defined projects
Hire Dedicated Financial Engineers
Work with engineers who understand open banking, payment systems, regulatory architecture and the operational demands of financial platforms.
Hardik
Senior AI and ML Engineer
Available NowBuilds production AI models for anomaly detection, real-time transaction scoring, and predictive risk with automated validation pipelines.
Skills:
Krupa
Senior Full Stack Engineer
Available NowDelivers high-concurrency web and mobile applications with strict security controls, OAuth2 integrations and distributed microservices.
Skills:
Akash
Senior Cloud and DevOps Engineer
Available NowArchitects secure, compliant cloud environments with automated CI/CD, zero-trust infrastructure as code (IaC) and 24/7 telemetry monitoring.
Skills:
Specialized Solutions by
Financial Segment
Financial platforms serve different segments with different architectures, integrations and regulatory needs. Cypherox builds across multiple financial domains.
Fintech and Digital Banking
Fintech teams need engineers who build open banking platforms, embedded payments and wealth management systems that integrate banking networks and deliver consumer experiences at scale.
- Integrates multiple banking networks into a single platform UX.
- Handles SCA consent flows and regulatory reporting.
- Scales to millions of daily transactions.
Commercial and Enterprise Banking
Commercial banking teams need engineers who build APIs, payment platforms and transaction systems for business customers, managing complex fee structures and regulatory reporting.
- Builds enterprise payment APIs and integration layers.
- Handles multi-currency transactions and settlement.
- Manages regulatory reporting for business customers.
Wealth and Investment Management
Wealth teams need engineers who build portfolio analytics, performance reporting and advisory platforms that connect to custody systems and market data feeds.
- Integrates with custody platforms and settlement systems.
- Builds performance analytics and reporting dashboards.
- Manages real-time market data and pricing.
Lending and Credit
Lending teams need engineers who build loan platforms, underwriting automation and credit decision systems that handle affordability rules and regulatory lending obligations.
- Automates underwriting decisions and credit scoring.
- Manages loan lifecycles from origination to servicing.
- Handles regulatory affordability and lending rules.
Payments and Remittance
Payment teams need engineers who build payment platforms, remittance systems and transaction networks that handle fraud detection, regulatory reporting and settlement.
- Handles fraud detection and transaction monitoring.
- Builds payment APIs and settlement systems.
- Manages regulatory reporting and compliance.
How We Deliver
Financial Software
Financial software requires regulatory awareness, architectural discipline and delivery rigor. Cypherox embeds compliance and security into every stage.
The Technology Behind Our
Financial Solutions
Financial platforms integrate banking networks, payment systems, data warehouses and AI-driven fraud detection. Cypherox builds on established financial technology.
What Regulated
Clients Say
Feedback from financial teams who have worked with Cypherox on real projects, across different engagement models.
Industry Solutions
Questions Answered
These are the questions we hear most often from financial teams evaluating custom software, covering regulatory architecture, integration and operational design.
Open Banking APIs expose legacy core data through secure API layers without rip-and-replace. Cypherox designs these layers to handle PSD2 consent, SCA and regulatory reporting so open banking becomes an integration problem, not a redesign.
DORA requires third-party risk management, incident reporting and resilience testing. Cypherox builds systems with monitoring, automated failover and documented incident response so DORA obligations become operational workflows.
Real-time transaction monitoring and ML-driven scoring catch fraud immediately without blocking legitimate customers. Cypherox implements risk-based SCA challenge logic to reduce fraud and minimize friction.
Yes. Automated data pipelines collect, validate and report transactions at scale. Cypherox builds these pipelines so regulatory reporting becomes an engineering function, not a manual process.
Versioned APIs and feature flags allow you to ship regulatory changes to specific markets without affecting live systems elsewhere. Cypherox builds this flexibility into platform architecture.
Abstraction layers insulate your platform from network changes. Cypherox designs these layers so you can migrate to new networks or update authentication without customer-facing disruption.
Let's Discuss Your
Financial Platform
Share your financial product vision, the workflows and regulatory frameworks you need to support and your technical and commercial constraints. We will discuss next steps.
Thank you!
Your request has been received. Our team will be in touch shortly.