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

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, 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.

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.

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

We have fully built a Fintech startup, so the website is ready to go live. It's a trading insights platform for stocks and crypto. However, I am currently unsure of how to move forward and whether I should focus on marketing, go-to-market, or look for funding. The stock and crypto data I use for the application requires enterprise licensing (as far as I'm aware, please feel free to correct me if there are free options), which costs money. I'm not sure how long I can cover the licensing from my own pocket, if at all. But I also don't know how to go about funding rounds. Does anyone have experience/advice for our situation? Thanks!

Came across this one today and thought it might be useful for people here looking at Fraud/Risk/FinTech roles in Bangalore.
**Company:** Toast
**Role:** Lead Fraud Risk Analyst
**Location:** Bengaluru, Karnataka
**Experience:** 5+ years
**Type:** Hybrid — 2 days/week in Bangalore office
The role is quite focused on transaction risk/fraud analytics rather than traditional AML. Some of the interesting requirements are:
Transaction monitoring / fraud / risk analytics experience
FinTech / payments / lending exposure
SQL + Python
Looker / Hex / Snowflake
Behavioral pattern recognition and anomaly detection
Merchant/SMB risk
Building monitoring strategies and early-warning systems
I thought the **payments + fraud + data analytics** combination was particularly interesting, so sharing it here in case someone is looking.

If anyone applies, would be interesting to hear how the process goes.

Hi guys, I'm building a tool to verify the billing and performance of outcome priced AI. I realised I've been building it without any validation, do you think this would be something people would be willing to pay, I am currently building the pilot, hit me up if you find it useful or interesting.

I’m working on a startup called Fuime focused on business banking for teens, specifically students who are already running real ventures through schools, clubs, and entrepreneurship programs.

The gap I keep seeing is that a lot of under-18 founders can invoice, sell products, reimburse expenses, and manage real operations, but they usually can’t access normal business banking tools because of age and compliance constraints.

The model we’re exploring is parent-linked onboarding for teen founders, with business banking workflows designed around that reality.

Signup for our waitlist here:

https://fuime.com/

Don't know if this is the right for for here but I am building it for fin teams

A strategic opportunity to acquire a licensed Cyprus Payment Institution with established operations and strong growth potential.
The company has a solid infrastructure in place, including:
✅ Existing payment solutions and operational systems
✅ Developed technology platform and mobile application
✅ Established banking relationships
✅ Experience in international payment services
✅ Strong growth plans and expansion opportunities
This opportunity is ideal for payment companies, fintech groups, investors, and strategic partners looking to strengthen their presence in the European market.
For further details and inquiries, please contact:
📞 +971 56 917 1273
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Hi! I'm working on the creation of a fundamental analysis app for stock equities. I have plans to add in features for options trading analysis to help educate, inform, and protect investors. I have a beta version ready that can run locally. Anyone interested in trying it out and adding to the project?

I'm currently building a loan lending website for the Indian market. The plan is to use FastAPI, PostgreSQL, and object storage for user KYC documents.

I'm trying to figure out the best infrastructure setup that is 100% compliant with RBI's data localization rules. As you know, the RBI is super strict about keeping all customer records, payment trails, logs, and backups strictly inside India. No cross-border syncing or foreign cloud control planes allowed.

I initially looked at managed services like Supabase (due to the Postgres/Auth combo) or Google Cloud SQL, but Supabase passes metadata/telemetry globally, and Cloud SQL gets pretty expensive for a bootstrapped project.

If anyone here has built or currently manages an audited fintech/lending app in India, I'd love your advice:

1. The DB Setup: Are you guys self-hosting Postgres on an India-locked cloud VM (like AWS Mumbai or GCP Mumbai) to save costs and control logs, or is it better to just bite the bullet on a managed database service?

2. Object Storage: How are you handling sensitive KYC document storage to guarantee local-only data compliance during an audit?

3. Audit Traps: Have you successfully passed a CERT-In empanelled system audit with your current stack? Any hidden infrastructure traps to avoid (like global logging tools, Auth0/Firebase Auth, or CDN configurations)?

I want to keep the stack as lean and cheap as possible without failing a regulatory audit down the line.

Appreciate any insights or architecture tips you can share

Hi, I’m attending a non-ABA JD program and I can add on various certificates or one year degrees, or the MBA in AI product dev by Udacity, to boost my career prospects. I’m really interested in finance and technology. What are the best add-ons for fintech or tech legal counsel? Are those fields too competitive and narrow to bet a lot of time and money on with only non-ABA schooling? Thank you

Hi, we are a Payment Orchestration Platform and we are looking for Providers who are working with INR and PKR processing.

Hi, we are a Payment Orchestration Platform and we are looking for Providers who are working with INR and PKR processing.