Custom Software for Financial Services & FinTech
Secure, flexible, and compliant architecture tailored for the unique challenges of the Financial Services & FinTech sector.
Quick Answer
In short: ERPStack builds custom, secure, and compliant B2B software systems for the Financial Services & FinTech sector, featuring dedicated cloud deployment, zero per-seat licensing, and complete source code ownership.
Why Custom ERP for Financial Services & FinTech?
Financial services demand the absolute highest level of transactional consistency, fraud prevention, and audit-readiness. Standard enterprise applications often lack the scalability to parse thousands of ledger modifications in real time, or charge high premium seat licensing fees to extend database schemas. A custom Fintech ERP provides isolated database partitioning and cryptographically verified ledger tables where every transaction is validated and logged immutably. It automates compliance reporting for FCA, SOC 1, and PCI-DSS Level 1. By deploying serverless Next.js edge nodes with Neon PostgreSQL, financial institutions achieve sub-50ms query responses, secure real-time currency conversion integrations, and zero vendor lock-in.
Industry Pain Points
- High-frequency transaction latency
- Complex regulatory reporting (PCI-DSS, SEC Rule 17a-4)
- Vulnerability to data breaches and credential theft
- Data isolation in multi-tenant environments
Engineering Blueprint
Financial systems demand Zero-Trust architectures and ACID-compliant transaction ledgers. Our FinTech blueprint avoids generic ORM pitfalls by utilizing Double-Entry Ledger patterns natively in PostgreSQL, ensuring balances can never logically drift.
Immutable Transaction Ledger
Instead of updating a user's balance row (which is prone to race conditions), we use an append-only ledger architecture. Next.js API routes execute raw SQL transactions wrapping both the credit and debit entries atomically.
// Transactional Ledger Execution
await db.transaction(async (tx) => {
await tx.insert(ledger).values({ accountId: 'A', amount: -500 });
await tx.insert(ledger).values({ accountId: 'B', amount: 500 });
});Our Solutions
- High-throughput Edge Compute and Caching
- Automated Compliance and Audit Exporters
- Isolated Multi-Tenant Database schemas
- SEC Rule 17a-4 compliant WORM storage
Compliance & Security
From Payment Card Industry (PCI) requirements to SEC archiving, we build systems that pass rigorous compliance audits.
- PCI-DSS v4.0 Network IsolationWe deploy your Next.js application within a strict Virtual Private Cloud (VPC) with private subnets. Databases have no public IP addresses and are only accessible via AWS Systems Manager (SSM) bastion hosts.
- WORM Storage for SEC Rule 17a-4Financial communications and trade executions are automatically archived into AWS S3 buckets configured with Object Lock (Write Once Read Many), making them legally tamper-proof for the mandatory 7-year retention period.
Compliance Checklist
- PCI-DSS v4.0 Verified
- SOC 2 Type II Verified
- ISO 27001 Verified
- SEC Rule 17a-4 Verified
Get the Blueprint
Download our comprehensive Systems Architecture Blueprint to see how we architect compliant solutions.
Download BlueprintMetrics & Integrations
Illustrative engineering targets for this sector — the SLAs and capacities we design and build toward, not a live service dashboard.
Transaction Throughput
Ledger Drift
Data Archival SLA
Integration: Plaid
Integration: Stripe Connect
Integration: AWS KMS
Implementation Process
Threat Modeling
Identifying attack vectors and designing Zero-Trust boundaries.
Ledger Architecture
Designing append-only PostgreSQL schemas for absolute financial integrity.
Payment Gateway Integration
Secure tokenization and integration with core banking APIs.
Penetration Testing
Third-party whitebox and blackbox security audits before launch.
Proven in Financial Services & FinTech
Real-Time Fraud Detection Platform
Real-time fraud detection and risk scoring platform
Read Case StudyFrequently Asked Questions
We typically implement database-per-tenant or strictly isolated schema-per-tenant architectures via Drizzle ORM to guarantee complete data isolation and security.
Yes, we architect systems designed to meet and exceed PCI-DSS v4.0 requirements, often isolating payment processing via tokenization vaults and secure enclaves.
We isolate credit card handling entirely from primary applications using tokenization vaults and secure enclaves (e.g., AWS Nitro Enclaves), keeping the core Next.js application out of PCI scope.