Secure wallets, payment platforms, lending systems and eKYC flows for banks, credit unions, NBFIs, mobile money providers and fintech startups worldwide, built to integrate with the systems you already run.
Digital wallet and payment apps
Loan origination and servicing
eKYC onboarding and AML screening
Core-banking and API integration
Fraud scoring, AML copilot & MCP server
DesignSilc is a global fintech software development company with teams in Dhaka, Austin and the UK, building digital wallets, payment gateways, lending platforms, eKYC onboarding and reporting tools for banks, NBFIs, mobile money providers and fintech startups. We work alongside your compliance and IT teams to integrate with core banking, card and payment systems through secure APIs. Our 70+ developers have been building business-critical software since 2015 for clients in 38+ countries.
Financial software has to be secure, auditable and able to handle traffic spikes around payday, month-end and seasonal peaks such as Black Friday or Eid. We apply role-based access, encryption, maker-checker approvals and detailed audit trails, and we design flows built to support PCI DSS, GDPR, FCA and SOC 2 expectations as well as Bangladesh Bank and BFIU rules. Final regulatory approval stays with your institution; our job is to give your compliance team clean, traceable systems. Every fintech platform we build now ships with AI that supports your fraud, compliance and support teams, plus an MCP server for approved AI assistants. Rules and people still make the final decisions.
Customer-facing apps and back-office platforms for regulated financial institutions and the startups that partner with them.
Send money, top-ups, cash-in and cash-out, bill pay, QR merchant payments and agent apps with PIN, OTP and biometric login.
Checkout, refunds, settlements, merchant onboarding and dashboards, with card, wallet and bank-transfer payment routing.
Online applications, document upload, credit scoring rules, maker-checker approval and disbursement workflows.
Instalment schedules, repayments by card, bank transfer or mobile wallet, overdue alerts, restructuring and portfolio-at-risk reports.
ID document capture and OCR, face match, liveness checks and risk grading, built to support KYC rules in each market, from FCA guidance to BFIU eKYC guidelines.
Transaction rules, sanction screening, suspicious activity alerts and report preparation for compliance teams.
AI scores transactions, ranks AML alerts and drafts case notes so analysts and officers work faster, while your rules, maker-checker controls and people decide every outcome.
Scores every payment using device, location and behaviour, while your rules decide whether to hold or allow it.
See it in the live demo → AMLRanks alerts by risk and similar past cases, then drafts suspicious activity narratives for officer review.
See it in the live demo → OCRReads ID documents, compares the selfie and explains why a case needs a human reviewer to decide.
See it in the live demo → AIMatches bank, card and wallet statements line by line and explains each difference for finance to clear.
See it in the live demo → BOTPulls the transaction, suggests a reply and fills the ticket while your agent is still on the call.
See it in the live demo → MCPGives approved AI assistants read access and draft-only actions through tools your security team controls.
See it in the live demo →97%
Success rate
70+
Developers
10+
Years of experience
1k+
Projects delivered
350+
Happy clients
Most customers now meet their bank or wallet through a smartphone. We build banking and wallet apps in Flutter or native code with PIN, biometric and device-binding security, encrypted storage and certificate pinning. Interfaces support multiple languages, including English, Arabic and Bangla, with large, clear amounts and confirmations. For agents and field staff we add apps that work on weak networks and record every action for audit.
Investing in Banking, Fintech & MFS software with DesignSilc delivers clear, measurable advantages for your company.
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Learn more →Fintech projects vary widely in scope, security needs and integrations with banks or payment networks, so DesignSilc gives a fixed quote after a free discovery call. A startup may begin with an MVP wallet or lending app integrated with one payment partner, while an established bank may need a larger platform. We scope projects the same way for clients in the USA, UK, Middle East and Bangladesh: building in phases keeps the first release focused and lets compliance review each stage.
A first release of a wallet or loan app typically takes 8 to 14 weeks of development at DesignSilc, but regulated projects often need extra time for security testing, partner integration and compliance sign-off, whether the regulator is the FCA, a US state agency or a central bank. We plan these steps from the start and share a realistic phase plan after discovery, rather than promising a launch date that ignores approvals.
Yes. DesignSilc builds middleware and APIs that connect mobile apps, portals and lending platforms to core banking systems, card switches and payment gateways. We work with your vendor documentation and IT team, using secure channels, request signing and full logging. Many banks still run older cores; if yours lacks modern APIs, we can design an integration layer that protects it from direct internet traffic.
DesignSilc builds eKYC onboarding flows that capture passports, driving licences or national ID cards, read data with OCR, compare a selfie with the ID photo, check liveness and assign a risk grade. Flows are designed to support the KYC and AML rules of each market, from FCA and FinCEN expectations to BFIU eKYC guidelines, and ID checks connect through the providers or channels your institution is authorised to use. Your compliance team keeps control of rules and final approval.
DesignSilc applies encryption in transit and at rest, role-based access, maker-checker approvals, device binding, OTP and biometric login, and detailed audit logs. We follow secure coding practice, run code reviews and support penetration tests by your chosen security firm. Production access is limited and controlled by your institution, and all credentials stay under your ownership.
Platforms can include real-time transaction fraud scoring, account takeover detection, a rule simulator that back-tests draft rules, AML alert ranking with drafted suspicious activity narratives, sanction and PEP name matching, and eKYC review assistance. Operations teams get settlement reconciliation, agent float forecasting and dispute evidence summaries, and support agents get a copilot during calls. In every case the AI supports staff: scores and drafts go to your analysts, officers and existing rules, who make the decision.
They can, through an optional MCP (Model Context Protocol) server built into the platform. Claude, ChatGPT, Cursor or your in-house agents call defined tools rather than touching the database, and each call runs under the user's role, so an assistant sees exactly what that analyst may see. Anything that changes data, such as a rule change or a case update, is a draft that goes through maker-checker approval. All calls are logged for audit, and you can run a private model inside your own infrastructure if policy requires.
Tell us about your goals and we’ll get back within one business day with ideas, a timeline and a clear quote.
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