PayVault — Digital Banking & Payments Platform
PayVault is a secure fintech platform offering digital banking, instant payments, and lending services. The platform provides customers with real-time account management, P2P transfers, bill payments, and credit scoring-driven micro-lending, all built on a bank-grade security foundation.
Project Overview
PayVault consolidates everyday banking, payments, and lending into a single secure digital platform for individuals and small businesses.
Real-time ledger and transaction processing ensure balances and transfers reflect instantly across web and mobile clients.
Built with a security-first architecture, PayVault meets PCI-DSS requirements while delivering a fast, intuitive financial experience.
Key Features
Technologies Used
Challenges
Processing financial transactions with strict consistency and zero data loss
Meeting PCI-DSS and KYC/AML compliance requirements
Detecting fraudulent activity in real time without blocking legitimate users
Integrating with multiple banking and payment providers reliably
Solutions
Implemented an event-sourced ledger with idempotent transaction processing for financial accuracy
Automated KYC/AML checks and document verification during onboarding
Built a real-time rules-based fraud detection engine with configurable risk thresholds
Integrated Plaid for bank linking and Stripe for card issuance and payment processing
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