Next-Gen Digital Lending Platform for a Series B Fintech
What was at stake
The fintech startup had secured Series B funding and needed to launch a production-grade lending platform within a tight 12-week window to meet investor milestones. Their existing prototype couldn't handle real-time credit decisioning at scale, lacked multi-currency settlement, and had no compliance automation — all critical requirements for their target markets in the U.S. and EU.
How we delivered
Platform Architecture & Risk Modeling
Designed an event-driven microservices architecture with dedicated services for credit scoring, KYC/AML, settlement, and ledger management. Built a real-time risk model incorporating 120+ data signals for sub-200ms credit decisions.
Regulatory Compliance Engine
Implemented an automated compliance layer covering U.S. state lending regulations and EU PSD2 requirements, with configurable rule sets that adapt to jurisdiction-specific constraints without code changes.
Multi-Currency Settlement Pipeline
Engineered a settlement engine supporting USD, EUR, and GBP with real-time FX rate integration, atomic transaction guarantees, and automatic reconciliation against banking partner APIs.
Security Hardening & Pen Testing
Conducted three rounds of third-party penetration testing, implemented end-to-end encryption, hardware security modules for key management, and deployed a real-time fraud detection pipeline that flags anomalous patterns within 50ms.
Measurable impact, verified by the client
Technologies we used
“TPWITS took us from whitepaper to $50M in processed volume in 90 days — with zero security incidents and sub-200ms decisioning. Their engineers operated at a level I've rarely seen, even from top-tier Silicon Valley firms.”
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