10decodersFintech Platform Reimagined for Speed, Compliance& Scale
Cloud-first reengineering to converge lending, payments, and core banking — with AI-driven KYC, DevSecOps automation, and regulatory-ready architecture delivering 40% higher onboarding conversions and 3x transaction volume.
A fintech platform rebuilt for speed, compliance, and scale
A rapidly expanding fintech startup with 150+ engineers across the US, Southeast Asia, and India — serving 20+ global clients in lending, payments, and digital banking. The client needed a unified, cloud-native architecture to handle high transaction volumes, support a growing product portfolio, and meet rigorous regulatory frameworks including RBI, SEBI, and international compliance standards.
10decoders re-architected the entire platform from scratch — converging lending, payments, and core banking into one composable fintech stack, deploying AI-powered KYC/AML automation, and building a regulatory-ready cloud architecture with DevSecOps pipelines. The result: 40% higher onboarding conversions, 70% faster go-to-market, and 3x transaction volume scale.
How we rebuilt the fintech stack
Unified Lending, Payments & Banking
Combined core banking systems, payment gateways, and lending modules into a single, composable digital platform — eliminating fragmentation and enabling unified product delivery.
AI-Powered Identity Verification
Frictionless, AI-driven KYC and AML validation flows eliminated manual verification steps — increasing onboarding throughput and lifting conversions by 40%.
Microservices & DevSecOps
Containerized microservices with automated CI/CD pipelines enable real-time scaling, zero-downtime releases, and built-in security deployment across all environments.
Regulatory-Ready Architecture
Compliance-oriented architecture built to meet RBI, SEBI, and global audit guidelines — with full auditability and automated reporting baked into the platform foundation.
70% Faster Go-to-Market
Reusable fintech components and agile delivery methodology reduced product launch times by 70% — enabling the business to ship new financial products at a fraction of the previous time.
3x Transaction Volume
Post cloud-native migration, the platform handled 3x the previous transaction volume with zero downtime — supporting explosive business growth without infrastructure compromise.
The Problem, and How We Solved It
A fintech platform under pressure — from legacy constraints, KYC friction, and the compliance burden of operating across multiple regulatory frameworks simultaneously.
The Challenge
- Legacy systems constrained reliability and scale — unable to process increasing transaction volumes, resulting in frequent breakdowns and performance degradation
- Manual KYC and AML processes created significant onboarding friction — slow, validation-heavy user journeys generated high drop-offs and lost conversions
- Regulatory compliance hurdles across RBI, SEBI, and international frameworks demanded a far more auditable, structured architecture than the legacy stack could provide
Our Approach
- Re-architected the platform from scratch with a composable, cloud-native fintech stack — converging lending, payments, and core banking into a unified digital platform
- Built AI-driven KYC and AML automation — eliminating manual verification friction and lifting onboarding conversions by 40% with frictionless validation flows
- Deployed DevSecOps microservices with containerized CI/CD pipelines and built compliance-ready architecture aligned to RBI, SEBI, and global audit requirements
The Solution
10decoders re-engineered the entire fintech stack — from core banking unification to AI-powered compliance automation — across four coordinated workstreams.
Consolidated Core Banking Platform
Combined lending modules, payment gateways, and core banking systems into a unified, composable digital platform — eliminating silos and enabling consistent, scalable product delivery.
AI-Powered KYC & AML Automation
Frictionless, AI-driven validation flows eliminated manual KYC steps — increasing onboarding throughput and lifting conversions by 40% while reducing compliance risk.
Cloud-Native Microservices with DevSecOps
Containerized services with automated CI/CD pipelines enable real-time scaling, zero-downtime releases, and security-integrated deployment across all fintech environments.
Regulatory-Ready Compliance Architecture
Compliance-oriented architecture with full auditability — built to meet RBI, SEBI, and international regulatory frameworks without slowing product delivery.
From fragmented legacy fintech to a unified, compliance-ready platform.
KYC automation, core banking unification, cloud microservices, and regulatory architecture — all converged into one composable fintech platform.
Fragmented Legacy Fintech Stack
Siloed lending, payments and banking. Manual KYC friction. Legacy constraints blocking scale, compliance gaps, and frequent performance breakdowns.
10decoders Cloud-Native Reengineering
Full platform re-architecture — unified core banking, AI KYC/AML, containerized microservices, DevSecOps CI/CD, and regulatory compliance built in.
Unified Compliance-Ready Fintech
40% higher conversions, 70% faster go-to-market, 3x transaction volume — secure, compliant, and built for continued scale.
What We Built
Unified Core Banking Platform
Lending, payments, and banking modules consolidated into a single composable digital platform — enabling unified product delivery and consistent customer experiences.
AI-Powered KYC & AML Engine
Frictionless AI-driven verification flows replacing manual KYC steps — lifting onboarding conversions by 40% and reducing compliance risk across all markets.
Cloud-Native Microservices Stack
Containerized microservices with DevSecOps CI/CD pipelines — enabling real-time scaling, zero-downtime deployments, and security-integrated releases.
Regulatory-Ready Architecture
Compliance-oriented architecture with full auditability — aligned to RBI, SEBI, and global regulatory frameworks without compromising delivery speed.
Impact Across the Organization
40% Higher Conversions
AI-driven KYC and AML automation eliminated verification friction — lifting onboarding conversions by 40% and improving the customer onboarding experience across all markets.
70% Faster Go-to-Market
Reusable fintech components and agile delivery methods reduced product launch cycles by 70% — enabling the team to ship new financial products at unprecedented speed.
3x Transaction Volume
Cloud-native migration enabled the platform to handle 3x the prior transaction volume with zero downtime — supporting explosive business growth without infrastructure compromise.
