Fintech & Insurance
Fintech and insurance software that moves money and passes audit.
Payments, lending, insurtech and finance operations. We build the products your customers use and the agents that clear the back-office work behind them.
- Payments
- Lending
- Insurtech
- Reconciliation
- KYC
Reconciliation agents, Claims portals, KYC onboarding, Payments, Lending, Insurtech, Reconciliation, KYC
The problems
What slows finance teams down.
And how we fix each one.
- 01
Month-end is still manual
Analysts match statements to ledgers by hand, and close slips every time volume grows.
How we fix it
A reconciliation agent matches, flags exceptions and leaves a full audit trail.
- 02
Onboarding loses customers
Long KYC forms and slow checks mean good applicants give up halfway.
How we fix it
Short, staged onboarding with automated checks and clear status updates.
- 03
Claims sit in inboxes
Claims arrive by email and PDF, get re-keyed and wait days for a first look.
How we fix it
Agents read, classify and route claims, so handlers start with the facts.
- 04
Legacy core systems
The core platform works but nobody wants to touch it, so every change is slow.
How we fix it
A clean API layer around the core lets new products ship without risky rewrites.
- 05
Audit anxiety
Every new tool raises the question: can we explain what it did and why?
How we fix it
Logged decisions, human approval steps and explainable outputs by design.
- 06
Fraud and risk blind spots
Rules catch yesterday's patterns and flood the team with false positives.
How we fix it
Risk scoring that learns from your data, with thresholds your team controls.
Fintech & Insurance · case study
Proof, not promises.
Exceptions
Close 30 Sep · run 06:00 CET · 38 open
Featured case study
Fintech & Insurance · Frankfurt, Germany · AI as a Service
A Reconciliation Agent That Closes the Books in Hours, Not Days
An AI agent that matches bank, PSP and ledger records, explains every mismatch and hands finance a clean exception queue each morning.
- transactions matched automatically
- 92%transactions matched automatically
- month-end close (down from 3 days)
- 4 hrsmonth-end close (down from 3 days)
- manual review time
- -70%manual review time
- 10 weeks
- 4 people: PM, 2 AI engineers, designer
- Python
- LangGraph
- OpenAI
What we build
What we build for fintech and insurance.
AI as a Service
Reconciliation agents
Match transactions across banks, PSPs and ledgers, and escalate only the exceptions.
Custom Development
Customer onboarding and KYC
Identity, document and sanctions checks wired into a flow people actually finish.
Custom Development
Claims and policy portals
Self-serve portals for quotes, policies and claims, with status customers can follow.
Custom Development
Payments and wallets
Checkout, payouts and wallet features on top of Stripe, Adyen, Checkout.com or open banking.
Dedicated Developers
Finance ops dashboards
Live cash, exposure and exception views that replace weekly spreadsheets.
AI as a Service
Document intelligence
Extract data from statements, invoices and policy wording with confidence scores.
How we help
Four ways to work with us in fintech & insurance.
Every engagement comes with one accountable lead, weekly demos and a Friday update.
AI as a Service
Agents for the back office
We build and run agents for reconciliation, claims triage and document checks, and we keep improving them every month.
- Human approval on every payment action
- Full decision logs for audit
- Runs inside your cloud if required
Compliance & standards
Standards we build to.
The rules that shape fintech & insurance software in the UK, Europe and the UAE, designed in from the first sprint.
UK & EU
GDPR / UK GDPR
Data minimisation, lawful basis, retention rules and subject-access support built in.
UK
FCA expectations
Audit trails, Consumer Duty-friendly journeys and clear records of automated decisions.
Card data
PCI DSS
We keep card data out of your systems with tokenised providers, reducing your PCI scope.
UK & EU
PSD2 & open banking
Strong customer authentication and consented account access through regulated providers.
Global
AML / KYC
Identity, sanctions and PEP checks wired to vetted providers with review queues.
EU
DORA readiness
Resilience testing, incident logging and third-party risk records your team can show.
We design and build to these standards and work inside your compliance process. We don't claim certifications we don't hold, and we'll tell you early if one is required.
Security & complianceCase studies
Fintech & Insurance work.
- reconcile.traxpay.internal/exceptions?status=open&sort=confidenceReconcile
Exceptions
Close 30 Sep · run 06:00 CET · 38 open
Search reference, merchant…CSVAll38Split settlement12Fee at source9Timing7Duplicate6Other4Sort: confidence3 selected€15,033.62ApproveOverrideReassignReferenceMerchant · sourceAmountReasonConfidenceAgePSP-88240Nordlicht Mode GmbH · Adyen€12,005.12Split settlement64%4hWLT-10923Kaffeerösterei Lang · PayPal−€89.90Duplicate refund22%4hSTR-55190Velo Werk Berlin · Stripe€640.00Fee at source71%4hSEPA-40188Alpen Outdoor AG · Deutsche Bank€3,118.40Timing (T+2)83%1dKLN-20471Haus & Hof Online · Klarna€1,249.99Fee at source58%4hPSP-88262Studio Feinkost · Adyen€7,402.66Split settlement76%4hSEPA-40203Brettspiel Kontor · Commerzbank€412.07FX rounding91%2dWLT-10930Grünwerk Naturkosmetik · PayPal€58.35No ledger entry12%3dPSP-88277Nordlicht Mode GmbH · Adyen€2,871.30Split settlement69%4hSTR-55204Lindenholz Möbel · Stripe€19.00Fee at source88%4h1–10 of 38Rows per page: 10Fintech & Insurance · Frankfurt, Germany
AI as a Service
A Reconciliation Agent That Closes the Books in Hours, Not Days
An AI agent that matches bank, PSP and ledger records, explains every mismatch and hands finance a clean exception queue each morning.
- transactions matched automatically
- 92%transactions matched automatically
- month-end close (down from 3 days)
- 4 hrsmonth-end close (down from 3 days)
- manual review time
- -70%manual review time
- 10:41Step 4 of 5
Your price
Photographer · £48k turnover
Syndicate 4711 at Lloyd's
£38.40 a month
or £422.40 a year, paid today
MonthlyAnnuallyYour cover
Professional indemnity£1,000,000 limit£32.20Public liability£2,000,000 limit+£6.20Equipment coverUp to £5,000 of kit+£9.80Excess £250 each claimIPT included
I've read the IPID and policy wordingContinue to payment10:41Step 5 of 5Payment
£38.40 today, then on the 14th
PayOr pay with cardCard number
4658 5820 1134 4417VISAExpiry
08 / 28CVC
•••Country
United KingdomPostcode
E8 3PHPay £38.40 and start cover12 monthly payments£38.40
Due today£38.40
Powered by stripe · Terms · Privacy
Fintech & Insurance · London, UK
Custom Development
A Broker Platform That Quotes Freelancers in Under a Minute
A quote-and-bind platform that lets UK freelancers buy professional indemnity cover online, with a dashboard for brokers to manage policies and renewals.
- average time to quote
- 52saverage time to quote
- more policies bound per month
- 3.4×more policies bound per month
- broker admin time
- -60%broker admin time
Fintech & Insurance · Singapore
Growth Marketing
Landing Pages and Paid Campaigns That Tripled SME Financing Applications
A rebuilt website, eligibility-first landing pages, Google Ads and LinkedIn Ads for a Singapore invoice financing platform, tied together by one lead dashboard that tracks every application from click to funding.
- qualified applications per month
- 3.1×qualified applications per month
- cost per qualified lead
- −41%cost per qualified lead
- landing-page conversion
- 7.8%landing-page conversion
Technology
Tech we commonly use here.
Chosen for the problem, not the trend. Click a group to see how we engineer with it.
Fintech & Insurance: your questions.
Can AI agents take actions on money?
Only with guardrails you approve. Our agents usually prepare, match and flag; a person approves anything that moves money or changes a customer's position.
Do you handle card data?
We design so you don't have to. Card details go straight to a tokenised provider like Stripe or Adyen, which keeps most of your platform out of PCI scope.
Can you work with our core banking or policy system?
Yes. We normally build an API layer around it, so new features ship without risky changes to the core.
Will our compliance team be involved?
From week one. We share data flows, access models and decision logs early, so there are no surprises at sign-off.
Can the agent run in our own cloud?
Yes. For sensitive workloads we deploy inside your AWS, Azure or GCP account, with models and data kept in your chosen region.
What does a first project usually look like?
Often one well-defined workflow, like reconciliation or claims triage, delivered in four to eight weeks with clear before-and-after numbers.
Other industries
Explore other sectors.
02 / Industry
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See Healthcare03 / Industry
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Logistics
Freight, courier, fleet and supply chain
See Logistics06 / Industry
Hospitality & Travel
Hotels, retreats, concierge and travel
See Hospitality & Travel
Get in touch
Tell us about your fintech & insurance project.
Share a few lines about your idea, workflow or project. A senior lead replies within one business day.
- Free 30-minute strategy call
- NDA on request
- Proposal within 48 hours
Close the books faster.
Keep the audit trail.
Free 30-minute strategy call · NDA on request · Proposal within 48 hours