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brainiac/studio

Digital Studio

brainiac/studiobrainiac/studio
industries / fintech

Financial software that keeps regulators, auditors, and customers happy.

For digital banks, payment companies, lenders, wealth apps, and finance software firms. We build with the financial rulebook in mind from day one — so audits go smoothly and nothing surprising ever happens to customer money.

Talk to us →
our approach

A practice, not a sales territory.

Finance doesn't forgive cut corners. The rules — like PCI (the card-payment security standard) and KYC/AML (checking who your customers are and stopping money laundering) — are baked into how we design your software from the first day, not bolted on right before launch.

We've built systems that spot fraud in real time, move payments reliably, decide who qualifies for a loan, and verify customer identities. We plan for the audit, the outage, and the big migration up front — because those are the moments that cost financial companies real money.

— who we build for

Sub-verticals.

PaymentsNeobanksLending & creditWealth managementInsurtechCrypto / Web3RegtechB2B SaaS for finance
— problems we solve

Common engagements.

01

Moving off old banking systems

We move you from decades-old banking software onto modern cloud systems — without ever losing track of a single penny along the way.

02

Passing security audits (PCI & SOC 2)

PCI and SOC 2 are the security certifications banks and big customers ask for. We build the working safeguards that turn your written policies into reality — so the audit passes.

03

Catching fraud in real time

Systems that spot stolen cards, hijacked accounts, and fake identities the moment they appear — before the money leaves the building.

04

Payments that never lose money

Payment systems that never double-charge, retry safely when something hiccups, and give your finance team dashboards that show every penny accounted for.

05

AI that helps decide loans — fairly

AI that helps score loan applications, with a clear record of why every decision was made — so you can explain it to a customer, or a regulator, without breaking a sweat.

— compliance

Built for regulated work.

PCI-DSS Level 1 readiness — the top card-payment security standard
SOC 2 Type I & II readiness — the security audit big customers ask for
GDPR / CCPA — European and California privacy laws
KYC / AML — identity checks and anti-money-laundering rules
Data residency (EU, UK, KSA, UAE, GCC) — keeping data stored in the right country
— tech stack

Tools we reach for first.

PostgreSQL
AWS KMS / Secrets Manager
Stripe
Plaid
Sardine / Alloy
Kafka / Redpanda
Next.js
Python / Django
Anthropic Claude
faq

Frequently asked.

5 questions answered. Still have one? Reach out.

Yes. PCI is the security standard for handling card payments. We design systems so card numbers are locked away and touched by as little of your software as possible, and we've worked alongside official PCI auditors on the strictest audits. We're not auditors ourselves — we're the builders who make the audit pass.

5 questions
Ask another →
— ready

Let's build what's next.

Tell us what you’re building. We’ll tell you how we’d help.