Fintech & Payments
Wallet, custody, and payment infrastructure for regulated operators.
Silicon Dali builds the operational core for fintechs, PSPs, EMIs, and crypto businesses — wallet platforms, multi-chain custody, payment orchestration, KYC and AML, transaction monitoring, and audit-ready reporting for regulators and finance teams. Designed around PSD2, MiCA, FATF travel rule, and the specific licensing regime under which you operate.
Money-movement infrastructure
Wallet & ledger systems
Multi-currency wallets, double-entry ledgers, reconciliations, balance reservations, and rounding and settlement logic designed for external-audit scrutiny.
Multi-chain crypto custody
Hot / warm / cold wallet architectures, HSM integration, signing workflows, multi-sig and MPC, deposit address derivation, and gas / fee management across major chains.
Payment orchestration
Multi-PSP routing, intelligent fallbacks, retries, cost optimisation, and chargeback and dispute workflows that allow ops teams to resolve cases end-to-end.
KYC, AML & sanctions
Risk-based onboarding, PEP and sanctions screening, ongoing monitoring, transaction risk scoring, and case-management consoles that produce regulator-grade evidence.
Approval & treasury workflows
Four-eye approvals, signing thresholds, withdrawal limits, hot-wallet auto-rebalance, and treasury dashboards that give CFOs a consolidated, real-time view of positions.
Reporting & audit packs
Regulatory reporting, transaction monitoring exports, accounting-grade GL feeds, and on-demand evidence packs for licensing reviews and external auditors.
Experience across PSD2, MiCA, and FATF frameworks
Frameworks we have worked across
PSD2 and SCA, MiCA, FATF travel rule, EBA guidelines, AMLD5 and 6, CySEC and BoC frameworks, EMI and PI licensing in the EEA, and VASP regimes across Europe and offshore. Data models are designed around these obligations from the outset of each engagement.
Security & controls
Defence-in-depth architecture, HSM-backed key management, segregation of duties, granular RBAC, secrets isolation, and full audit trails — covering the control set required for SOC 2 and ISO 27001 readiness.
Stack chosen for correctness
Blockchain & custody
Backend & APIs
Frontend & mobile
Data & infrastructure
Typical results after go-live
Reliable reconciliations
External balances, the internal ledger, and accounting books reconcile automatically at end-of-day, without manual spreadsheets.
Scalable onboarding
Risk-based KYC and AML with automated remediation for low-risk cases and human review for the rest — reducing handling times from days to minutes per customer.
Predictable operations
Self-healing payment routing, monitored signing flows, and dashboards that allow operations teams to manage the majority of incidents without engineering escalation.
Audits supported by the production stack
SOC 2 readiness, licensing reviews, and external audits are addressed using the systems already in production, without dedicated one-off engineering effort.
Building, scaling, or rebuilding fintech infrastructure?
Share the licence, transaction volume, and current constraints, and we will respond with a 20-minute architecture review and a clear set of next steps.
Email us about a fintech project Book a call