AI & blockchain for fintech & banking
We engineer the money-movement layer — payments rails, tokenized assets, on-chain settlement, real-time risk and core-banking modernization — for institutions and startups that answer to regulators and can’t afford downtime.
For banks modernizing rails, fintech startups launching new products, and payments teams extending internal engineering capability.
Money is the hardest thing to build software around
Financial software fails in ways other software doesn’t. A dropped message is a lost payment; a race condition is a double-spend; an unlogged action is an audit finding. Systems have to be correct under concurrency, reconcile to the cent, and prove every state change months later. That bar shapes the whole architecture — idempotent operations, immutable ledgers, exactly-once processing and end-to-end traceability aren’t features you add later.
Then there’s the regulatory surface. KYC/AML, PCI DSS, PSD2/open banking, data-residency rules and local licensing each impose real constraints on how data is stored, who can touch it, and what has to be demonstrable to an examiner. Compliance can’t be bolted on — it’s a design input from day one, and it’s the difference between a launch and a very expensive rebuild.
Finally, nothing in finance lives alone. A new product has to plug into card networks, SWIFT/ISO 20022 messaging, open-banking APIs, custody providers and decades-old core-banking systems that can’t simply be replaced. Getting that integration surface right — safely, incrementally, without a big-bang cutover — is where most of the engineering risk actually sits.
Systems we ship for fintech & banking
Payments & settlement infrastructure
Real-time payment engines, ledgers and reconciliation, on-chain settlement rails and stablecoin flows — built idempotent and auditable.
Tokenized assets & custody
Asset issuance, tokenization of funds and securities, wallet and custody systems, and the smart contracts behind them.
KYT / KYC / AML & risk
AI-driven transaction monitoring, sanctions and fraud screening, and real-time risk scoring wired into the transaction path.
Trading & market infrastructure
Low-latency matching, order management, exchange and brokerage backends, and market-data pipelines.
Core-banking modernization
Wrapping legacy cores in clean APIs, incremental migration, and integrations with card networks, SWIFT and open banking.
Customer-facing products
Neobank and wallet apps, onboarding and dashboards, and the secure APIs and back offices that run them.
Six capabilities, pointed at fintech
Every Magnus Mage service maps to a concrete fintech need. Follow any of them for the full capability.
Payments infrastructure, tokenized assets and on-chain settlement rails.
Fraud detection, AML transaction monitoring and real-time risk scoring.
Wallets, dApps, stablecoin flows and tokenization end to end.
Neobank apps, dashboards and the core-banking APIs behind them.
PCI-ready infra, high-availability deployment and audit-grade observability.
Architecture reviews, security audits and compliance-led tech strategy.
For banks modernizing rails, fintech startups launching new products, and payments teams extending internal engineering capability.
What working with us changes
Lower execution risk
Correctness, reconciliation and audit trails designed in, so compliance reviews don’t derail the launch.
Faster time to launch
Proven payment, custody and KYT patterns mean you’re integrating, not inventing, the plumbing.
Long-term ownership
Documented, tested systems your own engineers can operate and extend — you own all code and IP.
One accountable partner
A single team from architecture through operations — no hand-off gaps between vendors.
Fintech & settlement builds
Fincor
FintechA chain with a custom security model, and an AI compliance and KYT engine over it — risk scoring and anomaly detection built into the platform rather than bought from a vendor feed
Read case study →CreataChain
Settlement L1Layer-1 with on-chain settlement and a KYT platform — real-time risk scoring over live network activity, built by the AI practice rather than the protocol team.
Read case study →How fintech teams work with us
Common first step — map the compliance and integration surface before committing to a build.
De-risk a novel rail or token model with regulators and stakeholders before scaling.
Typical for startups launching a new product end to end, from architecture to production.
Extend an in-house team with payments and blockchain specialists under your direction.
Common for banks — an independent review of an existing platform before a modernization program.
Take over a stalled build or wrap a legacy core with clean APIs and incremental migration.
Operate, monitor and harden production payment systems under SLA after launch.
Fintech & banking questions
Talk to our team about your fintech build.
Tell us what you’re building. We’ll come back within 2–3 business days with a scoping call — no sales runaround, straight to our team.