Fintech engineering and AI, with the compliance posture reviewers expect.
One compliance gap can shut you down; one payment failure can end a customer. Gigabit builds fintech systems that pass review and that users trust: a payments platform that processed $41.2M in its first year, and a migration nobody noticed, with audit trails on every action.
Three things we have built for fintech.
Each one is in production today, with the numbers in a published case study.
Payment platforms
Multi-method payments with custom splits on Stripe Connect, a double-entry ledger, and a portal for each side of the transaction. One platform processed $41.2M in its first year at a 0.02% error rate.
Compliance checks before money moves
A rules engine that blocks a payment until every document and term verifies, and returns the exact reason when one does not. 94.6% of compliance documents verified automatically; the rest went to a person.
Migrations under live payment traffic
A payments platform handling $14M a month moved from Heroku to AWS service by service, with shadow traffic and a tested rollback at every step. Downtime during the migration: zero.
Two fintech builds, with the numbers.
What each client paid, how long it took, and what happened afterwards.
A construction payments platform built in 4 months for $118K processed $41.2M in year one with a 0.02% error rate.
A 14-week strangler-fig migration off Heroku with zero downtime: -35% infra cost, -93% deploy time, +800% deploy frequency.
For build price, monthly cost and payback across every project we publish, see what ten client projects cost.
Rules release the payment. Agents clear the paperwork.
In construction payments a general contractor cannot release funds until the compliance pack clears. These are the checks the platform we built runs before any payment moves.
| Check | What must be true before release | What goes wrong if it is skipped |
|---|---|---|
| Lien waiver | Signed, for the right amount and the right period | Lien risk on the project |
| Insurance certificate | Current, and meets the contract minimums | A coverage gap the general contractor owns |
| Contract and draw terms | The draw matches the schedule; retainage is right | Overpaying, or withholding too little |
| Prior settlement | The previous payment actually settled | A double payment or an orphaned draw |
| Retainage release | Released as its own verified payment event | Withheld funds released early |
Retainage is typically 5–10% withheld per payment, tracked per subcontractor per project. Each check returns pass or fail with a specific reason, so a contractor sees exactly what is blocking a payment. 94.6% of documents cleared automatically. The 5.4% that did not is where an agent earns its keep: extract the fields, classify the document, draft the reason, and route it to a person with the context attached. The payment releases only when every rule passes. Rank your own queue the same way: list every check that can block a payment, put the dollars waiting next to each, and start with the largest one that has a written rule.
Four workflows we take on next.
We have no published fintech case study for these yet. The method is the same one behind our support and operations agents: confidence thresholds, a human checkpoint, and a log of every action.
Onboarding document handling
Structuring, validating and routing the documents an onboarding flow collects, with exceptions sent to a reviewer and every decision logged.
Transaction-monitoring triage
Agents that pre-sort flagged activity by risk and value so analysts spend their time on the cases that matter, with a human checkpoint on high-stakes calls.
Reconciliation
Matching, exception-flagging and structuring the reconciliation work that eats finance-ops hours, with a clean trail behind every match.
Support copilots with audit trails
Support agents that answer from your own data and policies, with every action logged for review.
Identity verification itself is usually bought from a specialist provider and integrated. What we build is the workflow around it; AI for KYC and KYB sets out which onboarding steps an agent can prepare and where a person decides. For when an agent should act alone and when it should stop and ask, see our escalation matrix.
Built for the security review.
We design to the standards your auditors and partners require — and we state what's actually in place, not what sounds good.
PCI-DSS-aware architecture.
We design payment and cardholder-data flows to the standard your review expects — not bolted on at the end.
SOC 2 path & GLBA awareness.
We build toward the controls your auditors and partners require, and document what's in place.
Audit trails on every agent action.
Every step an agent takes is logged, so you can answer the questions a vendor security review will ask.
We are not a demo shop pointing a model at financial data and hoping it passes review. Where a decision has to be explained and repeated exactly, we use rules, not a model. We design PCI-aware, SOC-2-path systems with audit trails and human checkpoints, and stay accountable in production.
Questions fintech teams ask
How much does it cost to build a payments platform?
One Gigabit client, a seed-funded B2B construction payments startup, paid $118,000 for an MVP built in 4 months: Stripe Connect payments with custom splits, a compliance engine, contractor and subcontractor portals, and a full audit trail. Ongoing development and support continued at $8,500 a month. It processed $41.2M in its first year. That is one engagement, not a price list.
Can you migrate a payments system without downtime?
We have done it. A Series B payments platform processing about $14M a month moved from a Heroku monolith to AWS in 14 weeks for $74,000, with zero downtime. Services were extracted one at a time, the payment core last, after 48 hours of shadow traffic across 12,000 transactions showed no discrepancy, and traffic shifted from 1% to 100% over 10 days.
Do you build KYC and identity verification?
We have not published a KYC case study, so we do not claim one. Identity verification is usually bought from a specialist provider and integrated. What we build is the workflow around it: collecting and structuring documents, checking them against rules, routing exceptions to a reviewer and logging every decision. Our published fintech work is payment-compliance verification, where 94.6% of documents were verified automatically.
Is the compliance engine AI?
No, and deliberately. In the payments platform we built, the checks that release money are explicit rules: each returns pass or fail with a specific reason, so a contractor sees exactly what is blocking a payment. Rules are the right tool when a decision must be explained and repeated exactly. Agents fit around them, on triage, document handling and support.
Where do AI agents pay off first in fintech payments?
On the documents that hold money back, not on a customer chatbot. In the construction payments platform we built, a rules engine checks the lien waiver, insurance certificate, contract and draw terms, prior settlement and retainage before any payment releases. 94.6% of compliance documents cleared automatically; the other 5.4% went to a person. That exception queue is where an agent belongs: extracting fields, classifying the document and drafting the reason for review. The release itself stays with the rules.
Is Gigabit's fintech work compliant?
We build PCI-aware, SOC-2-path architectures with audit trails and sign the agreements your security review requires. The payments platform launched with audit logging, role-based access, encrypted storage and documented change management, and passed a third-party penetration test after two medium findings were fixed. We state what is in place and do not over-claim.
What fintech workflows do you build?
Shipped and running: payment platforms, compliance checks that gate payment release, and zero-downtime infrastructure migrations. We also take on onboarding document handling, transaction-monitoring triage, reconciliation and support copilots with audit trails, though we have no published fintech case study for those yet.
From the field notes
Let’s build the system that passes the audit.
Bring the workflow: payments, compliance checks, monitoring, reconciliation or support. We'll scope a build that holds up to review, and say what it costs.