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brainiac/studio

Digital Studio

brainiac/studiobrainiac/studio
industries / fintech

Software for financial services. Built to hold up under regulation.

For neobanks, payments, lending, wealth, and B2B fintech. Compliance-aware architecture, real-time fraud and risk systems, and the unglamorous engineering discipline regulated teams need.

Talk to us →
our approach

A practice, not a sales territory.

Fintech doesn’t forgive cutting corners. The systems we build run inside the constraints of PCI, SOC 2, KYC/AML, and regional licensing — not as a checkbox at launch, but as a design constraint from the first commit.

We’ve shipped real-time fraud engines, payment orchestration platforms, lending decision engines, and KYC pipelines. We design for the audit, the incident, and the migration — because those are the moments fintech teams pay for.

— who we build for

Sub-verticals.

PaymentsNeobanksLending & creditWealth managementInsurtechCrypto / Web3RegtechB2B SaaS for finance
— problems we solve

Common engagements.

01

Legacy core banking migrations

Modernizing off mainframes and Temenos onto event-driven cloud architecture without taking down ledger continuity.

02

PCI-DSS & SOC 2 builds

Tokenization, secrets management, evidence collection, and the engineering work that turns policies into controls.

03

Real-time fraud detection

Stream-processing pipelines with ML models for chargeback, account takeover, and synthetic identity fraud.

04

High-performance payment processing

Idempotent ledgers, retries, settlement reconciliation, and the operational dashboards your finance team actually needs.

05

AI-driven credit scoring

Model risk management, explainability, fair lending compliance, and decision audit trails.

— compliance

Built for regulated work.

PCI-DSS Level 1 readiness
SOC 2 Type I & II readiness
GDPR / CCPA data handling
KYC / AML implementation patterns
Data residency (EU, UK, KSA, UAE, GCC)
— tech stack

Tools we reach for first.

PostgreSQL
AWS KMS / Secrets Manager
Stripe
Plaid
Sardine / Alloy
Kafka / Redpanda
Next.js
Python / Django
Anthropic Claude
faq

Frequently asked.

5 questions answered. Still have one? Reach out.

Yes. We design with tokenization, vaulting, and minimum-scope CDE in mind, and we’ve worked alongside QSAs on Level 1 audits. We’re not a QSA ourselves.

5 questions
Ask another →
— ready

Let's build what's next.

Tell us what you’re building. We’ll tell you how we’d help.