Payments & Digital Wallets
We build payment rails, wallets, and checkout flows that move money fast and reliably—across cards, transfers, and local rails, engineered for real throughput.
Learn more →FinTech & Compliance
Financial products that move fast and stay compliant.
From onboarding to settlement, Tiso engineers the secure, compliant, AI-native systems that let financial products scale without ever breaking trust.
99.99%Transaction uptime
<100msRisk decisioning
Audit-readyCompliance by design
AI Overview — FinTech & Compliance
Tiso Studio builds AI-native technology for fintech and compliance. We engineer payments and digital wallets, KYC/AML onboarding, fraud and risk intelligence, lending and BNPL, and the audit-ready compliance backbone—secure, regulated, and built to earn trust at scale.
Capabilities
Core FinTech & Compliance Capabilities
One team across the money stack—from the rails that move funds to the intelligence that keeps them safe and the compliance backbone regulators trust.
KYC / AML & Onboarding
We build onboarding that verifies identity, screens against watchlists, and clears good customers in seconds—turning a compliance chore into a smooth first impression.
Learn more →Fraud & Risk Intelligence
We deploy real-time risk engines that approve the good and catch the bad in milliseconds—ML scoring, velocity rules, and device intelligence working together.
Learn more →Lending, BNPL & Credit
We build lending and buy-now-pay-later products with automated credit decisioning—fast, fair, and engineered for portfolio health.
Learn more →RegTech & Compliance Automation
We automate the compliance backbone—monitoring, reporting, and audit trails—so staying compliant is a system, not a scramble.
Learn more →Core Banking & Ledger Engineering
We engineer the double-entry ledgers and core systems that keep every balance correct, reconciled, and provable under audit.
Learn more →Risk, in Real Time
Approve the good. Catch the bad. In milliseconds.
Every transaction is a decision: let it through, or stop it. We build the real-time risk engines that make that call in under a hundred milliseconds—scoring each payment on behavior, device, and history, so legitimate customers never feel friction and fraud never gets a foothold.
- ML risk scoring on every transaction, with sub-100ms decisions
- Velocity rules and device intelligence that catch fraud patterns early
- KYC/AML screening built into onboarding, not bolted on after
- Full audit trails and reporting—compliance you can prove, not just claim
The Transaction Journey
Engineered for every step the money takes
Explore the transaction journey. We build technology for every stage—from a customer’s first sign-up to a fully reconciled, audit-ready record.
Phase 01 · Onboard
A first impression that also passes audit
We build onboarding that verifies identity and screens against watchlists while clearing genuine customers in seconds—compliant and frictionless at once.
SecondsTo verified account
Phase 02 · Verify
Know your customer, prove it later
We capture and validate the documentation and signals that satisfy regulators—building the evidence trail from the very first interaction.
100%Screened & recorded
Phase 03 · Transact
Move money that just works
We build payment rails and wallets that move funds fast and reliably across cards, transfers, and local methods—at real throughput.
99.99%Transaction uptime
Phase 04 · Protect
Decide in a heartbeat
We score every transaction in real time—approving the good and stopping the bad in under 100ms with ML, velocity rules, and device intelligence.
<100msRisk decision
Phase 05 · Settle
Every balance correct, always
We engineer double-entry ledgers and reconciliation that keep every balance accurate and provable—no drift, no mystery differences.
0Unreconciled entries
Phase 06 · Report
Compliance as a system
We automate monitoring, reporting, and audit trails so regulatory obligations are met continuously—not reconstructed under deadline pressure.
Audit-readyOn demand
The Bigger Picture
In finance, trust is the product.
You can copy features, but you can’t fake trust. The fintechs that endure are the ones that move money flawlessly, stop fraud invisibly, and satisfy regulators without breaking stride. We engineer for that trust from the first line—because in finance, one breach of it is the whole business.
Secure by Default
Encryption, tokenization, and least-privilege access built into every layer of the stack.
Compliant, Continuously
KYC/AML, PCI-DSS, and reporting engineered as living systems, not one-time checklists.
Fraud, Handled Quietly
Real-time risk that protects customers without making them feel watched.
Case Studies
FinTech platforms we've engineered
Representative builds from the Tiso ecosystem, shipped to production.
PaymentsDP
Digital Payments Platform
A wallet and payments platform moving funds across cards, transfers, and local rails at scale.
99.99%Uptime
Real-timeSettlement
RiskRE
Real-Time Fraud Engine
An ML risk engine scoring every transaction in under 100ms with velocity and device intelligence.
<100msDecisions
-FraudLoss rate
OnboardingKO
KYC/AML Onboarding
A compliant onboarding flow clearing genuine customers in seconds with full audit trails.
SecondsTo approve
100%Screened
Related Services
The engineering behind your fintech
Explore the disciplines that surround and support it.
Artificial Intelligence
Production-grade generative, agentic, and ML systems—from strategy to operation.
Data Engineering
Secure, high-speed pipelines that turn raw data into decisions.
Cloud Transformation
Resilient, scalable cloud architecture across AWS and Azure, built to grow.
Automation Services
Intelligent workflows and agents that eliminate operational friction.