💳 PCI-DSS Compliant

Build Secure, Scalable Financial Platforms That Earn Customer Trust and Pass Every Audit

From legacy core banking modernization to real-time payment processing and embedded finance solutions, we deliver production-ready fintech platforms that balance regulatory compliance with competitive speed-to-market.

47M+
Daily Transactions
Processed across platforms
99.99%
Uptime SLA
Mission-critical systems
8
Months to Market
vs 18-24 industry average
Industry Challenges

We Understand Your Pain Points

Common challenges that hold back innovation in your industry—and how we solve them.

Legacy System Gridlock

Core banking platforms built decades ago can't support real-time payments, open banking APIs, or modern customer experiences—but replacement risk is too high.

Regulatory Whiplash

Compliance requirements change faster than development cycles, forcing expensive retrofits and delayed product launches.

Security vs. Speed Trade-offs

Fraud prevention and data protection requirements slow feature development while neo-banks ship weekly.

Our Solutions

Purpose-Built for Your Industry

Proven solutions that address the specific challenges of your sector.

Core Banking Modernization

Gradual migration from monolithic systems to microservices with zero downtime

Real-Time Payment Processing

High-throughput engines supporting ISO 20022 and instant settlements

Open Banking & API Platforms

PSD2-compliant gateways enabling secure third-party integrations

Fraud Detection & AML Systems

ML-powered monitoring that reduces false positives by 60%+

Digital Wallet & Mobile Banking

Omnichannel platforms with biometric authentication

RegTech & Compliance Automation

Automated KYC workflows and regulatory reporting

Compliance & Standards

Enterprise-Grade Compliance

We build with compliance in mind from day one—not as an afterthought.

PCI DSS Level 1
GDPR & PSD2
SOC 2 Type II
ISO 27001
SWIFT CSP
Why XCodeIT

Senior Expertise, Not Billable Bodies

You're not paying for account managers and junior analysts. 80% of your team has 10+ years experience. We tie 20-30% of fees to delivery milestones—big firms bill by the hour regardless of results.

Technology Freedom

We recommend best-fit solutions, not what our parent company sells—true vendor neutrality.

Knowledge Retention

Your lead architect stays with you for 2+ years—not a new face every 6 months.

Transparent Pricing

Fixed-price phases with clear deliverables—not open-ended staff augmentation.

Ready to Transform Your Business?

Schedule a 30-minute technical consultation with our industry specialists. We'll assess your requirements and map out a realistic roadmap—at no cost.

Schedule a Technical Architecture Review

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