KriyaXlabs · Fintech and payments
Fintech and payments software development
In short
KriyaXlabs builds payments and fintech software, currently including WorkPay, a payments infrastructure product for gig work built on React Native, Node.js and PostgreSQL. The emphasis is on the unglamorous half: idempotency, reconciliation, audit trails and failure states that a finance team can read.
Payments software is judged on its worst day. The happy path is a week of work; the rest of the engagement is what happens when a request times out after the money moved, when a webhook arrives twice, and when someone has to explain a discrepancy to a regulator or a worker who has not been paid.
WorkPay is a client engagement building payments infrastructure for gig work. Gig payments concentrate the hard parts: many small transfers, workers who need certainty about timing, and a reconciliation problem that grows with volume.
We build these systems idempotent by default, with every state transition recorded and every failure surfaced rather than swallowed. The audit trail is a product feature, not a log file.
What goes wrong here, and what we do about it
Retries move money twice
Idempotency keys on every mutating operation, so a retried request is safe by construction rather than by luck.
Nobody can explain a discrepancy
Reconciliation views built for the finance team, with each transfer traceable from initiation to settlement and every state change timestamped.
Failures are invisible until a user complains
Explicit failure states, alerting on stuck transfers, and queues that retry with backoff and then escalate rather than dropping work.
Compliance arrives late
Audit logging, data handling and store-level privacy declarations prepared with the build, because payments apps attract extra scrutiny from both app stores.
We are in this sector ourselves
Products of ours built for fintech and payments.
What matters disproportionately here
- 01Idempotent money movement
- 02Reconciliation and settlement views
- 03Immutable audit trails
- 04Payment gateway and webhook integration
- 05Mobile payment surfaces in React Native
- 06PostgreSQL data models for financial records
How we engage
Questions about fintech and payments
Fintech and paymentsDo you hold funds or act as a payment processor?
No. We build software; the regulated functions sit with licensed providers. We integrate with your gateway, processor or banking partner and build the product around it.
Fintech and paymentsWhich payment gateways do you integrate?
We integrate against whichever provider your business and jurisdiction require, and we design the integration layer so a provider can be changed without rebuilding the product around it. That abstraction matters more than any particular vendor.
Other sectors we have shipped into
Building for fintech and payments?
Thirty minutes, no obligation. We reply within one business day and share a detailed proposal within two business days of the call.
30 min · No obligation · Reply within one business day