Fintech and financial services software in India: Regulators now ask how your app works. Build it so you can show them.
RBI rules decide what a loan app may collect, where its data lives and how fast a cyber incident is reported. SEBI and IRDAI set similar duties for brokers and insurers. We build lending, KYC, payment and customer apps that follow these rules and keep the records that prove it.
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Financial services and fintech, in numbers.
UPI payments and consent-based data sharing are now everyday tools for Indian lenders, brokers and insurers.
The rules shaping your software.
The regulations and standards that change what your systems, website and data handling need to do, each with its date and a link to the source.
What we build for lenders, fintechs, brokers and insurers.
Not sure where to start? Talk it through with an engineer.
Thirty minutes with a senior engineer, free and with no obligation. Bring the problem, not a brief.
What we will not claim.
We are not regulated by RBI, SEBI or IRDAI, and no app is RBI compliant on its own. We do not give financial or investment advice. Your compliance officer and board stay responsible for your regulated activities. We build the systems, customer flows and records that support those duties and help you show the evidence.
Sources: Outlook Money, UPI processes 2,407 crore transactions worth ₹29.37 lakh crore in September, 2 October 2026; Sahamati, Account Aggregator crosses 50 crore consents, 2 September 2026; RBI, Non-Banking Financial Companies (Managing Risks in Outsourcing) Directions, 2025; RBI, Non-Banking Financial Companies (Account Aggregator) Directions, 2025; RBI, Regulation of Payment Aggregators Directions, 15 September 2025.
Where to start.
Frequently asked questions.
Are you regulated by RBI or SEBI?
No. We are a software and AI development company, not a regulated entity, and we do not lend, advise or handle client money. We build the apps and systems you use to meet your duties. Your compliance officer and board keep responsibility for them, as the RBI, SEBI and IRDAI rules expect.
Can you build a loan app that follows RBI's digital lending rules?
Yes. We build the Key Fact Statement, a cooling-off exit, explicit consent screens with an audit trail and direct repayment to your bank account. The app does not read contacts, files or call logs, and data stays on servers in India. Your compliance team signs off the final flows before launch.
Will you accept our outsourcing and audit clauses?
Yes. RBI's outsourcing directions of November 2025 expect NBFCs to audit their technology service providers, and RBI can inspect those arrangements. We accept audit, access and confidentiality clauses, keep documentation up to date and support your auditors. You get a Data Processing Addendum before any work starts.
Can you integrate the Account Aggregator framework?
Yes, through an RBI-registered Account Aggregator as your partner. Customers approve each request through a consent artefact that sets the purpose, the data and when consent expires. The aggregator cannot keep the data it passes on. We design your consent screens, data handling and deletion around those terms.
Still have a question? Call +91 99966 88404 and speak to an engineer.