Fintech.
Money movement that reconciles to the paisa.
Drema builds fintech products where correctness is not negotiable: payment flows, lending journeys, wallets, ledgers and the reconciliation that proves the numbers agree. The engineering difference in fintech is that a bug does not degrade the experience — it loses money and creates a regulatory event.
What this sector
actually deals with.
Most fintech incidents trace to the same handful of causes: a retried request charging twice, a ledger that drifts from the payment provider, a KYC step that blocks good users while letting bad ones through, and reporting assembled by hand the week a regulator asks.
Systems this sector
keeps needing.
The parts of a fintech platform that carry the weight. Not everything at once — we build the one that unblocks you first.
Payment integration
UPI, cards, netbanking and wallets with idempotency keys so a retry can never double-charge.
Double-entry ledger
An immutable ledger as the source of truth, reconciled daily against provider settlements.
KYC and onboarding
Document capture, verification provider integration and risk-scored routing to manual review.
Lending workflows
Application, underwriting rules, disbursal, repayment schedules and collections.
Regulatory reporting
Reports generated from the ledger rather than assembled in spreadsheets before a deadline.
Where the work
pays for itself.
The problems fintech teams bring us most often. If one of these is costing you money today, it is worth a conversation.
Neobank and wallet products
Account opening, balances, transfers and statements with a ledger that balances.
Lending platforms
Digital origination with rules-based underwriting and a clear audit trail per decision.
Payment orchestration
Routing across providers with failover, so one gateway outage is not a revenue outage.
Fraud and risk scoring
Model-backed transaction scoring with human review for anything borderline.
Not on this list? Sector problems rarely fit a template — tell us yours.
What shapes a build
in this sector.
These are the things a generalist team discovers late and prices badly. We design around them from the first week.
- RBI guidance for payment aggregators, wallets and digital lending
- PCI DSS scope reduction through tokenisation
- Data localisation for payment data in India
- Immutable audit trails and defined retention periods
How we usually
engage here.
The services fintech clients most often start with.
API Development & Integration
Interfaces other teams can build on without asking you questions.
Explore serviceEnterprise Software Development
Systems that fit how your business actually operates.
Explore serviceMachine Learning Engineering
Models that keep working after the data scientist leaves.
Explore serviceFintech
questions.
Straight answers, including where we are not the right team.
Can you integrate UPI and Indian payment rails?
Yes. UPI, cards, netbanking and wallets through aggregators such as Razorpay or Cashfree, or direct bank integrations where volume justifies it. We treat UPI as a first-class flow rather than an afterthought bolted onto a card checkout.
How do you prevent double-charging?
Every money-moving endpoint accepts an idempotency key, so a retried request returns the original result rather than creating a second charge. This is the single most common defect we find when reviewing existing fintech systems.
Do you handle reconciliation?
Yes, and we treat it as core rather than back-office. Automated daily reconciliation between your ledger and provider settlement files, with exceptions queued for a human instead of silently absorbed.
Are you PCI compliant?
We design to keep card data out of your systems entirely by using provider tokenisation, which reduces your PCI scope dramatically. Where full scope is unavoidable we work with your assessor rather than claiming certification we do not hold.
Building for fintech?
Bring the problem as it actually is, constraints included.
You will get a straight answer on whether we are the right team.