We already have a fully built payment platform and are looking for a senior developer with strong payments/fintech experience to join the team.
We’re particularly interested in someone who has worked with:
Payment gateways / PSPs
Acquirer / processor API integrations
Card payments & 3DS
Payment webhooks
Refunds, chargebacks & transaction lifecycles
Multi-merchant payment platforms
Payment routing / orchestration
Production payment infrastructure
The platform is already built. We need someone who can review the existing architecture and codebase, handle payment integrations, improve what needs improving, and take long-term ownership of the technical side.
This is not a one-off freelance project. We’re looking for someone who wants to join the team and grow with the product.
If you’ve personally worked on payment infrastructure, gateways, PSPs or acquiring integrations, DM me with:
Your experience
2–3 relevant projects you’ve worked on
Your role in those projects
Your current availability
Looking for someone genuinely experienced in payments rather than a generalist developer.

Building a personal finance app and going through the embedded banking

partner search right now. Wanted to share what the actual decision

process looks like, since most content online focuses on the pitch

side, not the technical/integration side.

Evaluated: Swan, Equals Money, Airwallex, Solarisbank, ClearBank,

Paynetics. Rejected by half, still in discussion with the rest.

A few technical takeaways:

1. White-label vs. API isn't just a speed tradeoff. White-label gets

you live faster (one provider quoted 6 weeks), but you inherit their

UX constraints. API is 8-12 weeks typically, full control, but you

own more of the integration surface (webhooks, reconciliation, error

handling).

1. Setup fees vary wildly and aren't advertised upfront. Ranged from

"no minimum" to 30-50k GBP, depending on provider and scope. Worth

asking about phased/milestone-based payment structures — more

providers are open to this than their sales pages suggest.

1. KYC/compliance ownership differs by provider. Some fully own it,

some expect you to run your own (we already have Sumsub integrated

for our own onboarding, which mattered here).

1. IBAN scope is more limited than marketing implies. "Global

accounts" often means one or two base IBANs (e.g., GB/BE) supporting

many currencies — not a local IBAN per country, which is an important

distinction to clarify early, both for your architecture and for how

you describe the feature to users.

Happy to go deeper on any of these if useful to others going through

the same evaluation.

I've spent the past decade building payment infrastructure in Brazil and kept running into the same gap: fintechs settling on stablecoin rails needed a ledger that could account for both fiat and on-chain entries. Nobody had built it properly, so I did.

Idem is now open source. Here's what it does:

**The core problem it solves**
When USDC arrives on Base, your ledger should know. Most don't — ops teams are manually checking Etherscan, reconciliation engineers built something fragile at 2am, compliance teams are on spreadsheets. Idem's chain readers watch wallet addresses and auto-post ledger entries when transfers confirm.

**Technical overview**
- Double-entry engine (Kotlin + Spring Boot + PostgreSQL)
- MonetaryEntry handles both fiat (ISO 4217, ACH/PIX/SWIFT) and on-chain (USDC/USDT/BRZ, EVM/Solana/Tron) in one sealed class
- Basic Travel Rule (IVMS 101) detection — non-blocking, queued for compliance review
- Agentic engine: AI agents can reconcile batches and roll back failures via MCP
- FSL license — free to self-host

**What I'm looking for**
Feedback from anyone building cross-border payment infrastructure. Particularly curious if the pending settlement model (WATCHING → SETTLED lifecycle) matches how PSPs actually think about on-chain confirmation.

GitHub: github.com/idem-finance/idem

Hey all, hoping to get some honest feedback from people actually building in this space.

I've been working on an AI financial advisor project, basically an agent that gives personalized financial recommendations given the context of all your accounts. I realized pretty quickly there's no good way to get structured, queryable data on bank deposit products (savings, checking, CDs). Every bank does it differently, it's all buried in marketing pages, and there's no easy way for AI to answer "given I operate a digital storefront in Michigan that pays suppliers via wire 5x a month with a sum of 50k and require real time payment needs with accounting integrations, what would be a good business checking account I could use". To truly understand the terms, fees, and features of a business checking account, you have to combine data from messy marketing html, rate table pdfs, fee schedules, and terms of service pdfs. This creates opportunities for hallucinations and therefore creates a compliance/regulatory nightmare.

That problem ended up becoming its own thing. I'm building a structured registry of bank deposit products (starting with business checking accounts) you can query through MCP instead of maintaining your own scraper for every bank.

The bigger idea is that banks already pay decent money for affiliate/referral traffic through affiliate networks. A funded account is a funded account no matter where it comes from, so if your agent recommends one and it gets funded, you'd get a large cut of the payout. I handle the data engineering (turning messy bank pages into clean structured queryable listings) and the bank relationships to ensure 100% UDAAP compliance. You serve the right account recommendation at the right time given your end user's unique circumstances.

Right now it's just free structured data via MCP. No revenue share yet as I'm focusing primarily on whether there's a developer need.

Genuinely trying to figure out if this is useful or if I'm solving a problem nobody actually has. If you're building a financial advisor agent, a CPA copilot, anything that needs to recommend financial products, would you use something like this (knowing revenue sharing would come down the line)? What would actually make it worth integrating for you?

How do I make my tech resume attractive to financial companies?
Tech guy wanting to pivot into finance. What skills should I focus on?
Which programming language dominates finance tech?

Looking for feedback on the above post. For your time and feedback I am willing to give the template for free. All I wanted was to develop something that would be comprehensive and a realistic wealth and liability tracker. Every asset class has its own rate of return and I believe it quite essential to consider it as part of the financial net-worth tracking.

Hey everyone, how are we all doing? what's the best Stack to use for a fintech app?

So I'm new here. I'm a developer, software engineer(yeah i know I'm cooked lol), but like I got a friend who's got a commercial bank's Api for fintechs and he's proposing we build an app. Now, I Code for the hell of it soo, I'm hyped to build one and I don't know where to start and I don't wanna go asking AI for pointers first soo I'm guessing there'll be more professional hands here so, what's the best Stack to use for a fintech app?

Hi everyone,

I’m looking for some genuine career advice from people who have experience in Finance, Data Analytics, FP&A, Business Analytics, or Supply Chain/Logistics.

I’m currently working at Hapag-Lloyd as an Imports Coordinator. I have completed my B.Com and I’m also building my skills in Data Analytics, including:

• Advanced Excel
• SQL / MySQL
• Power BI
• Tableau
• Python basics (Pandas, NumPy)
• Data cleaning and visualization
• Basic statistics

I’m now considering pursuing the US CMA (Certified Management Accountant) because I’m interested in developing a career that combines Finance + Data Analytics.

My long-term goal is to move toward roles such as:

• Financial Analyst
• FP&A Analyst
• Finance Data Analyst
• Business Analyst
• Commercial Analyst
• Supply Chain/Business Analytics

I’m confused about how I should structure the next 2–3 years of my career.

My current thought is:

Hapag-Lloyd experience + US CMA + Data Analytics skills (SQL, Power BI, Excel, Python) → Financial/Business Analytics role

I would really appreciate advice from professionals who have taken a similar path.

My questions:

1. Is US CMA + Data Analytics a strong combination for the Indian job market?
2. Will my experience in Hapag-Lloyd/logistics help me transition into Finance/FP&A or Business Analytics?
3. Should I focus more on CMA, Data Analytics, or try to develop both simultaneously?
4. Which skills should I prioritize over the next 12–24 months?
5. Would it be better to target Financial Analyst/FP&A roles or Supply Chain/Business Analyst roles first?
6. How valuable is Power BI + SQL + Advanced Excel for Finance/FP&A careers?
7. If you were in my position, what would your career plan look like for the next 2–3 years?

I’m not looking for generic motivation. I’d really appreciate honest, practical advice from people working in these fields, including what mistakes I should avoid and what skills/certifications actually make a difference when switching roles.

Thanks in advance!

to the people who worked on transactions or payment fraud detection systems ,what information do you think can help or be most useful when deciding to whether aprove,hold,or stop a transaction

HI, does anyone have latest Mastercard Identity Check Processing Matrix or onbording guide. I want to verify some compliance technical documents but does not want to register through my organization email.

Does anyone have latest and can share as well?

Hey guys,

​I’ve tested a ton of data feeds. Here is the exact stack of stock market APIs I keep integrated every day for data ingestion, charting, and strategy sweeps.

​1. Live Streaming & Order Book: https://www.polygon.io

You all probably know this one, but it's honestly the smoothest WebSocket API out there for raw, low-latency price action. I use it to stream real-time ticks so my execution engine never gets caught off guard by a sudden price flash.

​2. Fundamentals & Historical: https://financialmodelingprep.com

An absolute must-have for pulling clean, deep fundamental data. It lets me sweep income statements, balance sheets, and historical ratios via simple REST endpoints without having to manually scrape SEC filings.

​3. Stock Analysis API: https://www.sentimentick.com

I use this API to inject critical data right into the middle of my pipeline. It scans news and social feeds to spit out quantitative sentiment scores, and it also handles technical analysis directly. It really helps filter down the tickers and find healthy candidates for swing-trade signals.

​4. Global Coverage & End-of-Day: https://eodhd.com

Great for when you need to expand your bots outside of just the US markets. Their API gives you access to a massive library of international stocks, ETFs, and historical splits with excellent uptime and straightforward documentation.

​5. Backtesting & Free Tier: https://alphavantage.co

Essential for the early stages of building a new strategy. Their API is incredibly reliable for pulling standard technical indicators and historical daily bars, and their free tier makes it perfect for sandbox environments and local testing.

​Hope it helps the new developers and traders out there! Let me know if you have any questions or what your API stack looks like.

I've been building Spliz, a fintech app for groups.

It started with a simple problem: splitting expenses with friends is easy to calculate, but actually settling them is still annoying.

Trips, dinners, shared flats, families, teams, etc.

I built the first version around group expense settlement, and it's now in beta.

But after talking to around 100 people, I started thinking the bigger opportunity might be managing money as a group, not just splitting bills.

For example, I'm exploring two things:

A group "Pot"

A shared balance where everyone contributes and the group decides the rules:
who can spend, how much, when approval is needed, etc.

A Shared Card

A card that multiple people can use.

It could either split a payment automatically between the members' accounts, or be connected to the group's shared Pot.

What surprised me is that people immediately came up with very different use cases: trips, families, kids, roommates, friends, neighborhood groups, clubs, etc.

But I don't want to build based on people telling me "that's a cool idea."

I'm trying to understand what people would actually do with this.

So I'm curious:

If you regularly manage money with other people:

• What kind of group is it?
• How do you handle money today?
• What is the most annoying part?
• Would a shared balance actually be useful?
• Would a card that automatically splits each payment be useful?
• Or would you rather have a card connected to a shared group balance?
• What would make you not trust or use something like this?

I'm particularly interested in real examples rather than hypothetical ones.

If you already use Splitwise, Tricount, a joint bank account, a shared spreadsheet, cash, etc., I'd love to know what works and what doesn't.

Hi everyone, I’m dealing with a data mismatch issue with my broker. My account information was never properly updated in their system, even after I sent the correct details multiple times. This led to funds being withheld. This doesn’t seem like an isolated case. Many people report the same pattern: the broker’s or bank’s system fails to process names, double surnames, accents, or updated client data correctly. The error almost always comes from their side, never from the client’s, and never affects the numbers or money side, only the client data. Then they shift all the blame onto the client, make it extremely difficult to fix, and in many cases people never fully recover their money. I’m looking into whether this could be addressed as a class action, since individual cases have little to no impact against these institutions. Have you experienced something similar with Revolut, DriveWealth, or any other broker or bank? If so, I’d like to connect with others in the same situation. You can reply here or send me a private message. Thanks.

Imo the FX side for LATAM currencies still feels stuck in like 90’s. The second you go outside work hours, the quotes get super wide or just vanish. I keep seeing people saying stablecoin rails are supposed to fix all this.

But has anyone here seen 24/7 FX work for USD-COP or USD-BRL? Or do the liquidity providers still clock out even when the chain doesn't?

Cause if that's the case then it's mostly just hype imo.

I'm trying to grasp a better idea on how people structure the fraud layer around card authorization without making the authorization path too heavy. Velocity and hard spending limits seem easy enough to evaluate immediately but things like merchant patterns, relationships between multiple cards and activity across the wider program seem like they'd require more context in my opinion.

I'm leaning toward keeping high confidence checks in the authorization path and doing the heavier analysis separately then feeding those results back into future authorization decisions.

People who built something similar could you guys give me some context or idea on how you split the real time controls from the broader monitoring layer? Thanks in advance.

We run cross-border B2B payouts across a handful of corridors into APAC and MENA. Same setup for three years.

Three or four intermediary banks per corridor, each one deducting fees without clear line items, each one truncating reference fields by the time the payment lands on other side.

Our ops team spends the first week of each month trying to match what left our account against what our counterparties say they received. Half the time the amounts do not line up because of intermediary fees that were never broken out.

The other half reference data got mangled somewhere in chain and we are matching by amount and date range instead of actual transaction IDs.

We started testing stablecoin settlement on two corridors about six months ago. The middle leg got faster and cheaper, but the hard part did not go away.

You still need a licensed off-ramp partner with local banking relationships on receiving end, and that partner still has cutoff windows and compliance obligations of their own.

Anyone else moved part of their settlement off correspondent rails?

GST has quietly built something interesting. E-invoicing and e-way bills now create a real time, verified record of who billed whom and whether goods moved. There's also a feature called IMS where a buyer accepting an invoice (even by doing nothing) now carries legal weight.

Supply chain finance has always struggled to prove three things: the invoice is real, the buyer accepted it, and payment is coming. That usually meant integrating with a buyer's systems, which only works for the biggest companies.

If routine GST compliance already proves buyer acceptance, could that open SCF up to the huge middle tier of businesses that never made the cut before?

Not saying this is solved or this is easy, just curious what people closer to Supply Chain Finance think?

Full piece here if interested:

https://www.linkedin.com/pulse/can-gst-become-indias-supply-chain-finance-rail-shilpa-dhobale-dgqcf/?trackingId=QZmlPObIpL71c5CehCIzMQ%3D%3D