Hey everyone would really appreciate your feedback on this one. Basically im working as an ai engineer in a fırm and we want to develop a fraud order detection system. Our backend system lies in magent. The sales team right now figures it out manually they miss it sometimes but usually its handled manually. If you were to develop such a system, what wouldve been your approach?

This is a post to understand your pain points and give you solutions (no promotions) as a company working in this field for years now.

So drop your frustrations and let's solve them together.

I am looking for similar people who are like minded and interested in crypto fintech industry . Planning to launch on ramp / exchange services

genuinely nobody talks about this months of testing AI sales tools. better leads. better follow up. cleaner CRM. by all means processor froze and none of those leads could actually pay.

the pipeline doesn't matter if checkout breaks right.

Looking for recommendations on the most reliable UK fintechs, EMIs, or virtual bank accounts that are currently friendly with crypto transactions.

I am ready to pay subscription model or monthly charge

If anyone currently have any solutions for gbp accounts. Kindly let me know

I just published Fintech Engineering Handbook distilled from 6 years of tears, sweat and swears.

It’s a free ~25-page resource with various hints and patterns around handling money in software systems.

Tell me what you think!

Hey everyone,

I've been quietly working on a personal project called RAVN over the last few months.

The idea started because I realised I spend more time than I'd like checking different banking apps, subscriptions, bills and comparison sites, and I still don't feel like I'm making the best financial decisions.

There are already some good apps out there, but I kept thinking, "Why isn't there one that actually tells me what I should do next?"

That's what I'm trying to build.

The plan is to use Open Banking to bring everything into one place and then use AI to help people understand their money a bit better. Not just budgeting, but things like spotting wasteful spending, reminding you when you're overpaying for something, and suggesting ways to save without having to spend hours comparing deals yourself.

It's still early, and I'd much rather build something people genuinely find useful than assume I know all the answers.

So I wanted to ask people here.

What's the biggest thing that annoys you about managing your money?

Have you used apps like Emma, Snoop or Moneyhub? What did they get right, and what made you stop using them?

If you could add one feature to a finance app tomorrow, what would it be?

I'm not trying to promote anything. I'm just looking for honest opinions before I go too far down the wrong path.

Even if you think it's a terrible idea, I'd rather hear that now than six months from now.

Thanks for reading. 🙂

Question for people who’ve built around bank connectivity.

What decisions would you make differently now with hindsight? Architecture, providers, ownership, data models, refresh logic, anything. Curious what ended up aging badly.

Hi everyone,

I'm working on the compliance framework for an Indian fintech (Lending Service Provider) and would like to understand how the security safeguards under Rule 6 of the DPDP Rules, 2025 are implemented in practice.

The Rule mentions encryption, masking/obfuscation, access controls, audit logs, monitoring, backups and other technical and organisational measures, but I'd like to understand how engineering teams actually build these systems.

Some questions:

1.How do Fintech typically protect sensitive data such as PAN, Aadhaar and KYC documents?

2. Is data generally encrypted both at rest and in transit? How is key management usually handled?

3. How are access controls implemented? Do you use Role-Based Access Control (RBAC) or something more granular?

4. What kinds of logs are maintained for security and audit purposes? Are they application logs, database logs, audit trails or something else?

5.Do Indian fintechs commonly obtain ISO/IEC 27001 certification, or do many startups simply implement equivalent security controls without formal certification?

I'm looking for practical implementation insights from backend, security or DevSecOps engineers rather than legal interpretations.

I am sorry if this question gets asked a lot but I really need your guys help. We are going through an IDV evaluation right now and honestly the market is exhausting. Every vendor claims the same things: highest accuracy, lowest friction, enterprise-grade compliance. At some point the marketing becomes noise.
We need something that actually holds up at scale, handles international documents reliably, has KYC and AML baked in, and does not crater our conversion rate with unnecessary friction. Anyone who has recently switched providers or done a serious evaluation, what did you find and what are you actually running in production?

A few days back I made a post in r/ProductMarketing about a payroll system that we were building. It is like a payroll system which steams your money and earns yield for the idle funds. In normal terms its like earned wage access in normal payroll systems where if the funds are kept idle, it earns yield for the company

You can check it out here: https://www.reddit.com/r/ProductMarketing/s/BFplhEVsGY

I got some really good feedbacks and thought of creating a complete finops suite for companies, DAOs (Decentralized Autonomous Organizations) so that their money is not kept idle. Their money should move

One thing I found out was companies keep a budget for their employees, bills and so on. So we are trying to build a platform where companies will come, create buckets of their budget, allocate a budget for each bucket. If that bucket is of employees, they can even further add people to the bucket and set a rate. Then they deposit an amount that will run the entire company and fill the company buckets one by one

But there is one twist: You idle funds will earn interest. It can be less but if the companies have a good amount of money then even 5% is also good considering that they are keeping their funds idle. So, its like a finance and treasury management suite for companies to manage their employees, budgets, bills but the money that is kept in your treasury will actually be earning yield for you

This is mainly for a blockchain solution and the reason is simple. RN every good team wants to move global and they might hop from bank to bank, in blockchains this problem is actually tackled very well. Using stable coins like USDC, USDT tokens can be transferred easily

I would love to know your feedbacks about this entire idea and also would love to know how your finance stack looks like so that I can draw some inspiration from them. If you also face a problem about something that messes up your finops then also please please write it down in the comments cuz I really want to solve a real problem and don't want to create new ones

Ex-Visa / JPMorgan engineer building a cross-border fintech startup for African remote workers.

Already incorporated, MVP in progress, and working with payout + FX partners.

Looking for a cofounder (engineering/product) to push this to launch and scale.

If you’re serious about building something in fintech, DM me.

EDIT: this post is targeted at cofounders with PRODUCT experience

Hi everyone,
I completed all my Mercor onboarding requirements on June 24, 2026, but my contract status is still showing "We're reviewing your contract".
Completed items:
Identity Verification: Verified

Background Check: Passed

Offer Letter: Signed

Mercor Terms of Work: Signed

CIIAA: Signed

W-8BEN: Submitted

Stripe Payments: Connected

Okta and Insightful: Active

The portal says to contact support if the contract isn't active within 72 hours. I already emailed Mercor support, but I haven't received a response yet.
Has anyone else experienced this? If so:
How long did it take for your contract to become active?

Did Mercor support eventually respond?

Was there anything else you had to do?

I'm trying to understand whether this delay is normal or if I should be concerned. Any experiences or advice would be appreciated. Thanks

Buenas comunidad.

Hace algunos meses les compartí por acá la primera versión de Fintrol, una plataforma enfocada en el control de gastos y finanzas personales en Chile. El feedback que recibí de este sub fue súper valioso. De hecho, gracias a varias conversaciones me di cuenta de algo importante: muchas veces los problemas financieros no son el problema principal, sino una consecuencia de cómo organizamos nuestro trabajo, nuestro tiempo y nuestra vida en general.

Porque seamos honestos: si tienes proyectos atrasados, contratos guardados en carpetas que nunca revisas, mil cosas dando vueltas en la cabeza y cero claridad sobre tus prioridades, una app para registrar gastos por sí sola difícilmente te va a ayudar a tomar mejores decisiones.

Con esa idea en mente decidí replantear completamente el proyecto. Dejó de ser solo una aplicación financiera y pasó a convertirse en algo más amplio: Fintrol OS, una plataforma donde las finanzas son una pieza más dentro de un sistema conectado.

Hoy terminamos el despliegue de esta nueva versión y dejamos el acceso abierto para quienes quieran probarla.

¿Qué cambió?

La idea fue dejar de trabajar con herramientas aisladas. Ahora Fintrol integra distintas áreas en un mismo lugar:

• Gestión de trabajo y proyectos.
• Organización personal.
• Bóveda de archivos y documentos.
• Una sección que llamamos "Arquitectura de la Mente", donde se registran hábitos, rutinas y niveles de energía personal.

Lo interesante de tener todo conectado es que el copiloto de IA puede analizar el contexto completo, no solo una parte de la información.

Por ejemplo, hace poco hice una prueba real: le pregunté si era buena idea pedir un crédito automotriz de $5,5 millones a 24 meses.

Una herramienta financiera tradicional probablemente habría revisado mis ingresos y gastos actuales y concluido que era viable. En cambio, Fintrol cruzó información de distintas áreas: revisó un contrato de arriendo almacenado en la bóveda, analizó mis gastos históricos, consideró los proyectos laborales que tengo activos y detectó que mi ahorro disponible era prácticamente cero.

Con todo ese contexto, el resultado fue bastante claro: el sistema proyectó que en unos meses tendría problemas de liquidez para cubrir ciertos compromisos y recomendó no tomar el crédito.

Más allá del ejemplo, eso me hizo pensar que las decisiones financieras mejoran mucho cuando se entienden dentro del contexto completo de la vida de una persona.

A nivel técnico también avanzamos bastante. Implementamos autenticación con Firebase, separación de acceso público y privado, protección adicional para las áreas de administración y una estructura de planes Free, Pro y Founder con sus respectivas diferencias de funcionalidades.

Ahora me gustaría conocer la opinión de quienes trabajan con proyectos o están constantemente tratando de organizar su vida.

¿Creen que el desorden financiero se debe principalmente a no llevar un control de ingresos y gastos? ¿O sienten que el problema nace porque la información está repartida entre demasiadas herramientas distintas (Notion, Drive, Excel, Trello, etc.) y nunca se logra tener una visión completa?

El sitio ya está disponible para quienes quieran explorar la propuesta, revisar las funcionalidades o dar feedback sobre la interfaz, la experiencia de uso y la lógica de los planes.

Toda crítica constructiva es bienvenida. ¡Los leo!

Hey! For last ~7 years I've mostly been building back-office payment tools for SMEs. Until now, I've been dealing with fairly standard bank APIs, payouts, webhook handling, reconciliation dashboards, maybe some SEPA-like integrations and that's all.

Now a corporate client is asking if I can help with ISO 20022 payment system development, not just plug into existing bank endpoints. They’re talking about pain.001, pacs.008, pacs.002, camt reports, message validation, routing rules, payment status flows, exceptions, settlement files, audit trail and testing with bank simulators...

Honestly I get general idea and I think I know what to do in general, but once it goes into real compliance, certification etc, it feels like different beast lol.

So question is: when is it still ok to build this in-house and learn as I go, and when should I stop pretending and bring in proper ISO 20022/payment system specialist and find somebody who will help?

Would appreciate any advice from people who been through bank certification before.

18 months into building our platform and the biggest surprise has been how completely US-centric most of the compliance and business formation infrastructure out there actually is. Everything assumes your user has a social security number. Everything assumes they have a US address. Everything assumes they already exist in the US financial system in some way.

Our user base is heavily international. Founders in southeast Asia, latin America, Africa, Europe, all of them trying to access US financial rails to run their businesses. The gap between what they need and what existing tools support is enormous. We have patched it with manual processes and support tickets for too long. At what point does it make more sense to find a backend partner that has actually solved the non-US compliance problem rather than continuing to build workarounds ourselves?