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Payments & fintech

Money moves. Safely.

Card programmes with gold cashback, business marketplaces with KYC and blockchain records, exchanges with real-time markets, FX insight platforms, and payment integration for bookings and subscriptions. Security and compliance are designed in from the first screen, not audited in at the end.

nerixpay.com
nerixpay.com
capitalharvesters.com
capitalharvesters.com
What we build

Financial products we build.

From the consumer front end to the ledger behind it.

Card programmes & wallets

Onboarding, KYC, card tiers, cashback and rewards, transaction history, statements — the product layer over your issuing partner.

Marketplaces with money in them

Listings, verification, escrow-style flows, KYC, blockchain-backed transaction records, secure messaging between parties.

Exchanges & trading interfaces

Real-time markets, order and position views, security-first authentication, responsible controls, 24/7 support tooling.

Payment integration

Gateways for bookings, subscriptions, deposits and payouts — inside hotels, portals, CRMs and apps.

Investment & FX platforms

Insight publishing, client portals, secure document exchange and reporting for investment firms and FX businesses.

Back-office & reconciliation

Ledgers, commission and payout engines, reconciliation, audit logs — the boring parts that keep regulators happy.

How it runs

Compliance is a stage, not a checkbox.

Your regulatory requirements are gathered in Discovery and tested in Build.

IDiscover

Product scope, licensing status, your partners (issuers, gateways, custodians), the rules that apply and the audit trail you need. Written scope, fixed price.

IIDesign

Onboarding and KYC flows, transaction screens, statements and support views prototyped with real edge cases — declined cards, failed verifications, disputes.

IIIBuild

Integrations with your partners in sandbox, then production. Encryption, logging, rate limits, fraud rules. Security review before launch. Weekly staging releases.

IVLaunch & operate

Go-live with monitoring on transactions and errors, support tooling for your team, retainer for partner API changes and new features.

Always included

What every fintech build includes.

Standard in every project of this kind — plus everything on the delivery page.

KYC-ready onboarding — identity, address, sanctions checks via your provider
Encryption at rest and in transit — with key management documented
Audit logs — every sensitive action, who, when, what
Fraud & rate limits — rules you can tune
Security review — before launch, findings fixed
Partner sandboxes — issuer, gateway, custodian tested end to end
Statements & exports — for users and for your auditors
Support tooling — refunds, disputes, freezes — with permissions
Live examples

Fintech products live today.

A card programme, a business marketplace, and an exchange interface.

Questions

Straight answers.

Are you a licensed financial institution?

No — we build the technology. Licensing, custody and issuing sit with you and your regulated partners; we design to their requirements and integrate with them. See clause 13.

Which payment gateways and issuers do you work with?

Those available in your markets — we have integrated regional and global gateways and card-issuing platforms, and choose per project based on fees, coverage and compliance.

How do you handle security testing?

A review before launch covering authentication, data handling, dependencies and infrastructure, with findings fixed before go-live. Independent penetration testing can be arranged where your licence requires it.

Can you integrate with a bank or exchange we already use?

Usually yes, through their APIs. The discovery call establishes what is available and what it will take.

All services
Start a project

Money moves. Safely.

Regulated sector? Bring your compliance requirements to the first call — we design to them, not around them.