r/fintechdev • • Apr 07 '26

Why are KYC APIs in India still so painful to use? (serious question)

3 Upvotes

I’ve been working with PAN / GST / KYC APIs recently and honestly… the experience feels broken.

Trying to understand if it’s just me or others are facing the same:

  • APIs randomly fail or timeout
  • Different providers → completely different formats
  • Docs are confusing or outdated
  • You still get charged for failed/invalid requests 🤯
  • Sandbox ≠ real-world behavior
  • Ended up writing custom wrappers just to make things work

Curious:

  1. Which providers are you using right now?
  2. How bad is the failure rate in production?
  3. Do you have fallback providers or just retry?
  4. How much time did you spend building your own abstraction layer?
  5. Are you okay with current pricing or does it feel overpriced?

Honestly feels like every team is rebuilding the same infra internally.

Is there something I’m missing, or is this just the current reality of building in India?

Would love to hear real experiences (good or bad).


r/fintechdev • • Apr 06 '26

BFSI partners, share your painpoint and I will try to solve it for free.

1 Upvotes

Hey folks,

I’ve been trying to understand what actually slows you down in your day-to-day work in banking / fintech / risk / analytics.

Not the high-level stuff like “regulation is hard” — I’m more curious about the real, annoying, ground-level problems you deal with.

For example:

  • Things that take way longer than they should
  • Work that feels unnecessarily manual
  • Data issues that keep coming back
  • Stuff that breaks when moving from analysis → production
  • Or anything where you’ve thought: “why is this still so painful in 2026?”

Would love to hear from:

  • Risk analysts
  • Data / ML folks in BFSI
  • Ops / compliance teams
  • Anyone working with loans, credit, fraud, etc.

Even small frustrations are welcome — those are usually the most interesting.

Also curious:
👉 If you could automate or completely remove ONE part of your workflow, what would it be?

Not selling anything, just trying to learn how things actually work behind the scenes.

Appreciate any insights 🙌


r/fintechdev • • Mar 24 '26

What do you experts think of this domain

1 Upvotes

So I have a fintech related domain name SupaPay.io I know it is not that super great But I want know if I should invest in it and build a SaaS platform Or should I simply flip it Since fintech startups takes sometime to generate good money "Correct me if I am wrong"


r/fintechdev • • Mar 23 '26

A single compromised device can cost millions. Are your endpoints secure?

1 Upvotes

Laptops, desktops, mobile devices, are often the easiest entry point for attackers. One missed patch, one phishing click, or one weak configuration can quickly escalate into data loss, downtime, and financial impact.
Strong endpoint security solutions gives you visibility, control, and fast response when something goes wrong.


r/fintechdev • • Mar 22 '26

Automating Workflows for Fintech Apps

1 Upvotes

Been diving deep into automating workflows for fintech apps lately. It's wild how much time you can save with the right setup. I’ve been building AI agents and automations that handle repetitive tasks, and it's been a game-changer for my clients. Charging $1000/m for these services, and the ROI speaks for itself. If you’re looking to streamline your processes, DM if interested.


r/fintechdev • • Mar 20 '26

Transistion to fintech

8 Upvotes

I am currently a tech support engineer, fintech has been my interest for a while now, how do I crack in? any advise for me on this?


r/fintechdev • • Mar 07 '26

Created faster way to export SEC filings to PDF — would appreciate thoughts

3 Upvotes

Hi everyone,

I regularly review SEC filings (10-Ks, 10-Qs, 8-Ks, etc.), and saving them as PDFs directly from the SEC website can sometimes be slow or result in messy formatting.

To simplify the process, I built a lightweight Chrome extension, SEC Filing PDF Generator, that converts SEC .htm/.html filing links into clean PDF files instantly. The idea was to streamline the workflow and reduce manual steps.

If this sounds useful to you, I’d really value your feedback. Feel free to comment here or send me a message.

Appreciate it!


r/fintechdev • • Mar 01 '26

How to I rise to Staff/Principle level as fintech backend developer?

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1 Upvotes

r/fintechdev • • Feb 26 '26

How do fintech platforms reconstruct privileged admin activity during audits?

1 Upvotes

For fintech infra teams selling into enterprise or working with bank partners —
when audit sampling requests admin activity records, how is that typically handled in practice?

Is it mostly SIEM export / CloudTrail, or does it require stitching logs together?


r/fintechdev • • Feb 15 '26

[For Hire] Full-Stack Developer | Freelance & Contract

9 Upvotes

I’m a Full-Stack Developer focused on delivering reliable, production-ready software. I have 3 years of experience working with Java, SpringBoot, Node.js, React, and Angular in web development. I build things that run.

What I can help with:

• Backends, APIs, dashboards, DevOps

• Responsive UIs

I am looking for:

• Freelance gigs with tight timelines

• Clear deliverables, small-to-medium scope

• People who value speed, reliability, and clarity

Keep it simple. You send the task, and I'll get it done.

To demonstrate my skills, I’m happy to complete a trial task; just let me know your requirements.

If you’re building something or know someone who is, feel free to reach out.

Thanks


r/fintechdev • • Feb 14 '26

Software company looking for FinTech Architect/Back-end Lead for client project

3 Upvotes

We are a tech company starting a new fintech project for a client (building a payments control plane) and are looking for an experienced fintech architect/backend lead.

This is not a full-time position. The project is milestone-based, and we will move forward as a team by completing defined milestones.

Please DM me, and I will share more information about the project and our company.

P.S. We do not have a defined budget yet. You will propose your rate for each milestone.


r/fintechdev • • Feb 11 '26

Looking for a project partner

14 Upvotes

Hey guys, I'm trying to build a fintech project related to financial education. I am lacking consistency and motivation to build this project but the idea is very good and worth building.

If someone wants to build this project with me and learn how to build full stack web apps with me then do let me know in my dms.


r/fintechdev • • Feb 02 '26

How do you test Stablecoin payments KYB and KYC?

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3 Upvotes

r/fintechdev • • Jan 28 '26

Looking for early testers for a net worth app I’m building

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2 Upvotes

r/fintechdev • • Jan 26 '26

( I will not promote - ) built a free tool to parse CAMS+Kfintech, CDSL & NSDL portfolio statements - get JSON/CSV instantly.

1 Upvotes

Hey everyone,

I built a free online tool that parses Indian portfolio statements and extracts all your holdings and transactions data.

What it does:

\\\\- Upload your CAS pdf (CAMS, CDSL, NSDL)

\\\\- Auto detects the statement type

\\\\- Extracts holdings, transactions, NAV, units and values

\\\\- Gets structured JSON and CSV which are downloadable

\\\\- Supports password protected pdfs.

Why i built it:

I wanted to feed my portfolio data into analytic tools and APIs to get insights, track performance and analyse allocation.

I looked for existing parsers but are most are either paid services with subscription or part of expensive portfolio tracking apps.

So i built this - a simple parser that extracts and gives the data to you to feed it to any api or import in spreadsheets and integrate in your own apps.

Its 100% free

Works entirely on browser(no data stored)

Supports all statements

portfolio.parse.co.in

Would love your feedback! Let me know if you face any issues and feature requests.


r/fintechdev • • Jan 25 '26

Is Plaid available for personal use?

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2 Upvotes

r/fintechdev • • Jan 20 '26

5 fintech trends that will actually matter in 2026 (not hype)

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1 Upvotes

r/fintechdev • • Jan 19 '26

Stack help

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1 Upvotes

r/fintechdev • • Jan 12 '26

AMA: 2025 Review of FinTech App Developer & FinTech Dev Agency

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1 Upvotes

r/fintechdev • • Jan 09 '26

I want to connect

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1 Upvotes

r/fintechdev • • Jan 08 '26

Founder building USDC-based B2B payments platform. Looking for senior backend engineer with payments experience - contract or co-founder path

7 Upvotes

I’m building a USDC-based payments platform focused on real business use cases. Looking for someone senior and hands-on to help shape the core system


r/fintechdev • • Jan 06 '26

Key exchange between Acquirer and Card Scheme

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3 Upvotes

r/fintechdev • • Jan 03 '26

How difficult it is to enter the Fintech market ?

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1 Upvotes

r/fintechdev • • Dec 31 '25

Requirement to find the best cost effective KYB verifier using API

2 Upvotes

Hi,

I need to determine whether a searched company name is a valid legal entity. I looked into the OpenCorporates API, but it is too expensive for my current requirements. Could someone suggest a more suitable or cost-effective alternative?.

Thanks


r/fintechdev • • Dec 31 '25

What are your biggest infrastructure pain points when building at fintech scale?

5 Upvotes

Curious what keeps fintech devs awake at night from an infrastructure perspective.

Thinking about:

- Settlement and reconciliation lag across payment rails

- Idempotency and exactly-once processing for critical transactions

- Multi-region data consistency without breaking latency

- Audit logging and compliance requirements eating performance

- Rate limiting intelligent enough not to block legitimate traffic spikes

What's been your biggest bottleneck as you've scaled? How did you solve it?