Ledger drift
Balances drift from the source of truth under concurrent writes. The reconciliation team spends nights finding pennies that hide millions.
We engineer the regulated core of Saudi fintech, payment rails, wallets, ledgers, Open Banking APIs, to the standard SAMA, NCA and PCI-DSS auditors actually check. Pass cybersecurity review on the first submission, not the third.
We automatically capture and extract every required detail, name, phone, address, straight from your customer’s bank account.
We pull the customer’s address directly from their bank account for accurate, hassle-free verification.
Your account has been verified successfully
Our matching engine confirms the customer’s details match their account, stopping fraud and money laundering before it starts.
Real-time transfers, multi-bank Open Banking aggregation, analytics dashboards and biometric authentication, one secure, SAMA-ready system we engineer end to end.
We've reviewed enough Saudi fintech codebases to see the same patterns. Every one of them is engineered out of an NX build from day one.
Balances drift from the source of truth under concurrent writes. The reconciliation team spends nights finding pennies that hide millions.
Card numbers in logs, plaintext in databases, ad-hoc encryption. A single QSA visit ends the launch plan.
OCR on a phone photo and a checkbox. SAMA wants Nafath verification, sanctions screening and a documented audit trail of every step.
The payday spike pushes p99 above 5 seconds. Customers retry; duplicate charges follow; trust evaporates faster than the queue clears.
"Who approved this transfer?" returns silence. SAMA, internal audit and the next investor all need an immutable answer.
Structuring, velocity anomalies and sanctioned counterparties pass through unnoticed. The first you hear is a regulator letter.
Production modules we ship and integrate. Each is mapped to the regulator that will eventually audit it.
Concurrency-safe, append-only ledger with immutable audit trail and end-of-day reconciliation. The single source of financial truth.
National identity verification flows with sanctions screening, PEP checks and risk-based onboarding tiers.
Card data never touches your application database. Network-token vault, HSM-backed encryption, scoped IAM.
Account-information and payment-initiation API surfaces aligned with the SAMA Open Banking framework, sandbox to production.
Real-time rules engine for AML, fraud and velocity, with case management, SAR workflow and full evidentiary trail.
Automated SAMA reporting schedules, audit-trail evidence packs, and the dashboard internal audit asks for first.
No. Many of our engagements run in parallel with the licensing process, we engineer the platform to the standard the eventual review will expect, so by the time the licence application is reviewed, the technical case is already documented and ready.
Yes. We treat sandbox as an interim milestone, not a deliverable. The same architecture, controls and audit trails go to production unchanged, that's the entire point of building it institutional from the start.
We implement the SAMA Open Banking technical standards end to end, account information services and payment initiation, consent capture, sandbox onboarding and production hardening, with the security and resilience controls the framework requires.
It isn't, by you. We architect tokenized handling so PAN never lives in your application database. The cardholder-data environment is isolated, HSM-backed and PCI-DSS-scoped, keeping audit scope small and customer data safe.
Tell us where you are, licensing, sandbox, scaling. We'll map the architecture and the controls that will pass review.
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