Fintech software engineered for trust, compliance, and scale.
We build lending platforms, payment and wallet systems, neobanking, wealthtech and insurtech apps, with KYC, fraud and AML built in. Engineered by a Noida-based team that treats RBI, PCI-DSS and DPDP as design inputs, priced transparently in INR.
Built for the regime you operate in, not a generic template.
The full fintech stack,
from onboarding to settlement.
Whether you are launching a new financial product or modernising a platform that has outgrown its stack, we build the regulated core and the delightful front end, and connect the rails in between.
Lending & Loan Management
Digital lending journeys, loan origination and management systems, BNPL and co-lending flows, with bureau, Account Aggregator and disbursal integrations.
Payments & Wallets
UPI, cards, wallets, payment gateways and PA/PG flows with reconciliation, refunds and settlement, built on NPCI and partner-bank rails.
Neobanking & BaaS
Neobank front ends and Banking-as-a-Service layers on top of sponsor banks, with accounts, cards, ledgers and customer journeys.
Wealthtech & Broking
Investment, mutual-fund, broking and portfolio apps with market-data feeds, SEBI-aware flows and clean, fast dashboards.
Insurtech
Insurance quoting, onboarding, policy management and claims platforms, with partner and aggregator integrations.
Fraud, AML & Risk
Rule and ML risk engines, transaction monitoring, sanctions and PEP screening, and case management that keeps false positives down.
KYC & Digital Onboarding
Video-KYC, document verification, liveness and bank-grade onboarding that converts while staying compliant.
Core & Integrations
Ledgers, core-banking connectivity, ERP and CRM integration, and the reconciliation plumbing that keeps the money accurate.
Payment flows that reconcile to the last rupee.
Payments look simple until you handle failures, refunds, chargebacks and settlement at volume. We build payment and wallet systems on India’s rails with the reconciliation, retries and audit trails that keep finance teams and partner banks comfortable.
- UPI, cards, wallets and PA/PG flows on NPCI and bank rails
- Automated reconciliation, refunds and settlement reporting
- Idempotent, retry-safe transaction handling at scale
- PCI-DSS-aware handling and tokenisation of sensitive data
Lending journeys that approve fast and audit clean.
A good lending platform balances speed with control. We build origination and loan-management systems that pull the right data, apply your credit policy transparently, and leave the paper trail your risk team and regulators expect.
- Loan origination and management with configurable policy rules
- Bureau, Account Aggregator and alternative-data integrations
- Underwriting and scoring you can explain, not a black box
- Disbursal, collections and delinquency workflows
AI that scores, detects and explains, on your data.
We are an AI and custom-software firm first, so AI in your product is engineered against your data and the explainability regulators demand. The features we ship reduce risk and cost without becoming a compliance liability.
- Credit and alternative-data scoring with explainability
- Fraud and anomaly detection tuned to your transaction history
- AML monitoring that cuts false positives and analyst load
- Document and statement analysis for faster onboarding
Who we build fintech for
From idea to regulated launch, in phases you control
Fixed-scope sprints, weekly demos, and compliance treated as a workstream, not a scramble before go-live.
Discover & scope
Product, regime, integrations and a fixed feature list, priced in INR so you approve a real number.
Design & prototype
Conversion-focused, accessible UX with a clickable prototype before we build.
Build in sprints
Two-week sprints with live demos, so you see the product grow every fortnight.
Integrate & harden
Payments, KYC, bureaus, security controls and audit trails, with RBI, PCI-DSS and DPDP baked in.
Launch & iterate
Ship, monitor, and keep improving with a support and feature roadmap.
An engineering partner that treats compliance and security as features.
Compliance-first by default
RBI, PCI-DSS, SEBI and DPDP built into the design from sprint one, with the audit trails partner banks ask to see.
Transparent INR pricing
Fixed-scope quotes in rupees against a real feature list. No opaque day-rate surprises, no scope creep by stealth.
Integrations we have wired before
Payments, UPI, Account Aggregator, bureaus and KYC providers, treated as first-class parts of the build.
Architected for peaks
Month-end, payout and sale-day spikes are designed for, so the platform stays accurate and up when volume surges.
Fintech development, your questions answered
Cost, compliance, integrations, fraud, AI and support: the questions fintech founders and product teams actually ask.
How much does it cost to build a fintech app or lending platform in India?
A focused fintech MVP, such as a lending origination flow or a wallet with KYC, payments and a dashboard, typically ships in 12 to 16 weeks at a defined mid-range budget. Regulated, integration-heavy builds (core banking connectivity, full loan management, AML and reconciliation) cost more and are built in phases. We scope in INR against a fixed feature list, so you approve a real number before any code is written.
Do you build to RBI, PCI-DSS, SEBI and DPDP requirements?
Yes. Fintech is a compliance-first build, not an afterthought. We design for the relevant regime from day one: RBI norms for lending and payments, PCI-DSS for card data, SEBI rules for broking and wealth products, and India’s DPDP Act plus data-localisation expectations for storing financial data in India. We also build the audit trails and access controls that regulators and partner banks ask to see.
Can you integrate payments, account aggregators, credit bureaus and KYC providers?
Yes. We integrate payment gateways and UPI (Razorpay, Cashfree, PayU, NPCI rails), the Account Aggregator framework, credit bureaus (CIBIL, Experian, CRIF), and KYC and video-KYC providers (Digio, Signzy, HyperVerge, Karza). These integrations are where fintech projects usually get stuck, so we treat them as first-class parts of the build with proper fallback and reconciliation.
How do you handle fraud, AML and transaction security?
We build layered controls: device and behaviour signals, velocity and rule engines, sanctions and PEP screening, and AML transaction monitoring with case management. On the security side that means encryption in transit and at rest, tokenisation of sensitive data, strong authentication, and detailed audit logging. Where it helps, we add machine-learning risk scoring on top of your own transaction history rather than a generic black box.
Where does AI actually help in fintech, beyond the buzzword?
The grounded wins are credit underwriting and alternative-data scoring, fraud and anomaly detection, AML monitoring that cuts false positives, document and statement analysis for faster onboarding, and support assistants grounded in your own product and policies. We build these with explainability and guardrails, because in finance a model you cannot explain is a model you cannot ship.
Do you support the platform after launch?
Yes. Financial products live or die on uptime and trust, so we offer managed support and iteration: monitoring and incident response, security patching, reconciliation and reporting help, and new feature sprints as you add products or partners. We architect for month-end and payout peaks so the platform holds when volume spikes.
Compare the fintech & AI development market
Independent buyer shortlists, so you can see where Levitation sits among real, verified peers.
Ready to build fintech that ships and passes audit?
Tell us your product and your regime. We will come back with a fixed-scope plan and an honest INR estimate, usually within a couple of days.