01
Established fintech players going digital — where the existing system is a mix of paper, WhatsApp, and a 14-year-old ERP.
Fits you
Fintech projects live
50K
Daily users
4.7★
App rating
99.9%
Uptime
Fintech
Fintech that’s compliant before it’s clever.
RBI guidelines, KYC, payment gateways, lending, wealth — shipped in 14+ fintech products. Compliance from day one, not patched at audit time.
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Who this is for
Fintech businesses we work with.
If any of these sound like you, we should talk.
02
Fast-growing fintech startups where tech decisions in year one will shape the next five.
Fits you
03
Enterprises in fintech modernising legacy — module by module, without big-bang rewrites.
Fits you
04
Specialists building fintech software for the Indian market, not localising an American template.
Fits you
The proof
Fintech compliance, done properly.
The Indian regulatory stack we build around.
✓
RBI digital lending guidelines
Native, not bolted-on
✓
SEBI (where applicable)
Native, not bolted-on
✓
PCI-DSS
Native, not bolted-on
✓
Data localisation (RBI)
Native, not bolted-on
What we build
Modules we ship.
01
KYC / re-KYC
KYC / re-KYC designed for Indian workflow, not an imported default.
02
UPI integration
UPI integration designed for Indian workflow, not an imported default.
03
NPCI / NACH
NPCI / NACH designed for Indian workflow, not an imported default.
04
Digital lending
Digital lending designed for Indian workflow, not an imported default.
05
Wealth management
Wealth management designed for Indian workflow, not an imported default.
06
Compliance reporting
Compliance reporting designed for Indian workflow, not an imported default.
07
Fraud detection
Fraud detection designed for Indian workflow, not an imported default.
08
Account aggregator
Account aggregator designed for Indian workflow, not an imported default.
ClientA fintech providerFintech
<em>₹12Cr disbursed</em> through a custom-built digital lending platform in its first 6 months.
Underwriting engine, KYC flow, NACH mandates, collections — all integrated. Audit passed on first attempt.
01
50K
Daily active users
02
4.7★
App rating
03
80%
Automation rate
04
99.9%
Uptime
What it's like working with us
We went from RBI in-principle to commercial launch in 11 weeks. Our legal team had their doubts. Ligio cleared them.
KS
Karan S.
CTO · A digital lending startup
Fintech · India
Tech stack
The tools. Chosen for your reasons.
08technologies in rotation
01Next.js
02React Native
03Node.js
04PostgreSQL
05Redis
06AWS
07WhatsApp Cloud API
08Razorpay
Process
How we actually work.
06 stages
- 01
Domain discovery
Weeks 1-2We learn your fintech workflow before designing.
- 02
Compliance mapping
Weeks 2-3Regulatory requirements — what's mandatory, what's optional.
- 03
Design
Weeks 3-5User journeys per role. Accessibility. Indian languages where needed.
- 04
Build
Weeks 5-14Iterative. Weekly demos. Your domain experts in the loop.
- 05
Compliance test
Weeks 14-15External audit where applicable. Pen-test mandatory.
- 06
Launch
Week 16+Phased rollout. Support on-call for 30 days.
Questions
Answers, without the fluff.
Still have questions? Talk to us — we answer within a business day.
07common questions
01Do you know the regulatory side?
Yes. We’ve shipped fintech products that passed regulator scrutiny. That said, we pair with domain legal counsel rather than replacing them.
02Can you integrate with existing systems?
We’ve integrated with the main fintech platforms and legacy systems. API, file-based, or database-level integrations handled.
03Multi-language support?
Tamil, Hindi, and English are standard. Other regional languages on request — always human-reviewed, not raw machine translation.
04How long does a typical engagement take?
Most projects run 10-18 weeks from kickoff to production launch. We share a milestone plan in week one and update weekly.
05Do you sign an NDA?
Yes. Standard mutual NDA on request, before the first technical conversation.
06Who owns the code and IP?
You do. Code is in your GitHub org from day one. All IP transfers unambiguously on delivery.
07What does your pricing model look like?
For v1 builds: fixed scope, fixed milestones. For ongoing work: monthly retainer with a defined team. We don't do time-and-material surprise billing.
Related
Explore more of what we do.
Fintech software that fits India.
A 45-minute domain discovery call. We'll be specific about what we've shipped and what we haven't.
NDA available.