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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
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— this sector

Tell us where it hurts.

We will say honestly whether we have shipped in your sector, what transfers from the ones we have, and where the expensive mistakes usually are.