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Shivacha — Simplifying Tech Solutions
Shivacha FinTech

Financial technology across traditional, digital-asset and hybrid rails.

We engineer banking, payments, cards, lending and wealth platforms — and the Web3 and hybrid infrastructure that connects traditional financial systems with programmable digital assets.

Discuss Your Launch96 services
Payment · pay_8F2k
Illustrative
  1. Client
  2. API
  3. Identity & KYC
  4. Risk & compliance
  5. Payment gateway
  6. Ledger
  7. Settlement

Journal entry · balanced

AccountDebitCredit
Customer funds120.00—
Merchant payable—118.20
Fee revenue—1.80
Bank rails Cards Wallets Payouts

Overview

Financial products are defined by details that most software never has to consider: double-entry ledgers that must always balance, idempotent payment flows, settlement windows, reconciliation against external statements, regulatory reporting, fraud controls and audit trails that must hold up years later.

Shivacha FinTech is organised around three tracks. Web2 FinTech covers traditional financial technology: digital banking and neobanks, core banking integrations, payment gateways and orchestration, card programs, lending, wealth and embedded finance. Web3 FinTech covers crypto banking, stablecoin payments, digital asset trading and tokenized finance. Hybrid FinTech — a core Shivacha differentiator — connects the two.

Services
96
Service areas
8
Ready products
16
Reference architectures
2

Flagship offerings

What Shivacha FinTech launches.

  • Neobanks
  • Digital Banking
  • Crypto Cards
  • Payment Infrastructure
  • Multi-Currency Accounts
  • Cross-Border Payments
  • Merchant Payments
  • Stablecoin Payments
  • BaaS
  • Embedded Finance
  • Compliance Infrastructure

Typical implementation

White-label neobank
3–4 weeks
Payment platform
3–4 weeks
Multi-currency wallet / accounts
3–4 weeks
Crypto card platform integration
3–5 weeks

Timelines refer to software implementation and deployment scope for a defined configuration. Third-party integrations, regulatory approvals, banking and card-issuer onboarding, custody and liquidity agreements, security audits and other external dependencies may require additional time.

White-label platforms

Ready-to-launch foundations.

All products
Crypto Card Platform · Cards

Active cards

Program A

Controls

MCC · Geo · Limits

Auth latency

Within limits

CardControlStatus
•••• 4821 · VirtualTravel onlyActive
•••• 1934 · PhysicalDaily limitFrozen
•••• 7710 · VirtualSingle-useExpired
Illustrative interface · sample data
  • White-label
  • Ready to launch

Crypto Card Platform

Branded crypto-powered card experiences connecting digital assets, wallets and everyday payments.

  • Virtual & physical cards
  • Wallet funding
  • Conversion
  • Controls
  • KYC/KYB
  • Settlement
Typical implementation
3–5 weeks
Customization
Highly customizable
Explore Crypto Card Platform Request Demo
Digital Banking Platform · Accounts

Available

24,180.40

Pending

1,204.00

Pots

3 active

TransactionStatusAmount
Card · Grocery storeSettled−42.18
Transfer from A. RiveraCompleted+500.00
Direct debit · UtilityScheduled−86.00
Illustrative interface · sample data
  • White-label
  • Production-ready

Digital Banking Platform

A configurable digital banking platform for banks and licensed partners.

  • Core accounts
  • Payments
  • Lending hooks
  • Back office
  • Reporting
Typical implementation
4–6 weeks
Customization
Highly customizable
Explore Digital Banking Platform Request Demo
White-Label Neobank · Accounts

Available

24,180.40

Pending

1,204.00

Pots

3 active

TransactionStatusAmount
Card · Grocery storeSettled−42.18
Transfer from A. RiveraCompleted+500.00
Direct debit · UtilityScheduled−86.00
Illustrative interface · sample data
  • White-label
  • Ready to launch

White-Label Neobank

Launch a mobile-first neobank on a platform built to scale.

  • Multi-currency accounts
  • Payments
  • Cards
  • KYC/KYB
  • Ledger
  • Admin
Typical implementation
3–4 weeks
Customization
Highly customizable
Explore Neobank Request Demo
Payment Gateway · Payments

Rails

Card · A2A · Stablecoin

Routing

Provider A · B · C

Settlement

T+1

PaymentRouteState
pay_8F2k · CardProvider ACaptured
pay_91Qe · A2ABank railPending
pay_77Lm · StablecoinNetwork BSettled
Illustrative interface · sample data
  • White-label
  • Ready to launch

Payment Gateway

A white-label payment gateway with hosted checkout, tokenisation and multi-acquirer connectivity.

  • Checkout
  • Acquirer adapters
  • Tokenisation
  • Merchant portal
  • Reconciliation
Typical implementation
3–4 weeks
Customization
Highly customizable
Explore Payment Gateway Request Demo
Payment Orchestration · Payments

Rails

Card · A2A · Stablecoin

Routing

Provider A · B · C

Settlement

T+1

PaymentRouteState
pay_8F2k · CardProvider ACaptured
pay_91Qe · A2ABank railPending
pay_77Lm · StablecoinNetwork BSettled
Illustrative interface · sample data
  • White-label
  • Ready to launch

Payment Orchestration

Route every payment to the best provider — and fail over automatically.

  • Routing
  • Retries
  • Provider adapters
  • Reconciliation
  • Analytics
Typical implementation
3–4 weeks
Customization
Highly customizable
Explore Payment Orchestration Request Demo
Multi-Currency Wallet · Wallet

USD

1,240.00

USDC

860.50

EUR

310.20

ActivityRailAmount
Sent to @mayaP2P−25.00
Swap USD → USDCConversion200.00
Top-upCard+300.00
Illustrative interface · sample data
  • White-label
  • Ready to launch

Multi-Currency Wallet

Stored-value wallets with top-ups, P2P, payments and rewards.

  • Multi-currency balances
  • P2P transfers
  • Top-ups
  • Cards
  • Ledger
Typical implementation
3–4 weeks
Customization
Highly customizable
Explore Multi-Currency Wallet Request Demo

Problems we solve

Where FinTech initiatives usually break down.

Ledgers that do not reconcile

Balances drift from bank and processor statements because the ledger was an afterthought instead of the core.

Single-provider lock-in

A payment or banking-as-a-service provider outage or policy change can halt the entire business.

Slow partner integrations

Every new bank, processor, KYC vendor or card program takes months because there is no integration layer.

Fiat and crypto in separate silos

Customers want one experience across bank accounts, cards, stablecoins and digital assets; most stacks cannot deliver it.

Compliance bolted on late

KYC, AML screening, transaction monitoring and audit trails retrofitted after launch cost more and work worse.

Scale and reliability risk

Payment spikes, settlement batches and month-end reporting expose weak points in architecture.

Services

Shivacha FinTech services

Banking, payments, cards, lending and wealth platforms — plus Web3 finance and hybrid rails that connect fiat and digital assets.

Web2 FinTech

Digital banking, neobanks, core banking integration, payments, cards, lending, wealth and embedded finance on traditional rails.

Digital Banking & Neobanks

11
+ 6 more

Payments Infrastructure

22
+ 17 more

Card Programs & Card Management

9
+ 4 more

Lending & Credit Platforms

8
+ 3 more

Investment & Wealth Technology

8
+ 3 more

Embedded Finance, BaaS & Open Banking

11
+ 6 more

Web3 FinTech

Crypto banking, stablecoin and digital asset payments, crypto cards, tokenized finance and institutional digital asset platforms.

Web3 FinTech

16
+ 11 more

Hybrid FinTech

Integration layers that connect bank accounts, payment networks and ledgers with wallets, stablecoins and tokenized assets.

Hybrid Web2 + Web3 FinTech

11
+ 6 more

Hybrid FinTech

Web2, Web3 and the layer that connects them.

Web2 FinTech, Web3 FinTech and Hybrid FinTech are separate tracks with separate expertise — and one integration architecture when products span both.

Explore the solution

Web2 rails

Traditional Finance

  1. Bank
  2. Payment Network
  3. Processor
  4. Bank Account
  5. Fiat

Hybrid core

Shivacha Integration Layer

  1. API
  2. Identity
  3. Compliance
  4. Risk
  5. Ledger
  6. Settlement
  7. Analytics

Web3 rails

Digital Assets

  1. Wallet
  2. Blockchain
  3. Stablecoin
  4. Tokenized Asset
  5. Smart Contract
One API, one identity and risk profile, one ledger — across bank rails and programmable digital assets. Regulated services on each rail are provided by licensed partners.

Architecture

A reference architecture, adapted to you.

How we typically structure FinTech systems, adapted to your landscape and partners.

  • Ledger-accurate productsBalances that reconcile with every external statement, every day.
  • Provider flexibilityMulti-bank, multi-processor architectures that reduce concentration risk.
  • Faster partner onboardingAn integration layer that turns new rails into configuration and adapters.
  • Unified fiat and digital assetsOne customer experience across accounts, cards, stablecoins and tokens.
Shivacha FinTech · reference stack
6Channels
Mobile bankingWeb dashboardsMerchant portalsPartner APIs
5Product services
AccountsPaymentsCardsLendingWallets
4Financial core
Double-entry ledgerBalances & holdsFees & pricingReconciliation
3Risk & compliance tech
KYC/KYB integrationAML screeningFraud rulesTransaction monitoring
2Rails
Banks & BaaSCard processorsPayment networksBlockchains & stablecoins
1Operations
Back-officeReportingAudit trailsObservability

Approach

How we deliver.

  1. 1

    Model the money first

    We design the ledger, account structure and money-movement states before screens, so every flow is auditable.

  2. 2

    Abstract the providers

    Banks, processors, KYC and custody vendors sit behind adapters so they can be added, routed or replaced.

  3. 3

    Design for failure

    Idempotency keys, retries, timeouts, outbox patterns and reconciliation jobs are part of the core design.

  4. 4

    Compliance-ready by default

    Audit logs, maker-checker controls, data retention and reporting hooks are built in from the first release.

  5. 5

    Launch with partners

    We work alongside your licensed partners and compliance advisors through integration, testing and go-live.

Technology

Our stack for this practice

Technology directory
Double-Entry LedgersISO 20022ISO 8583PCI DSSOpen Banking APIsJavaGo (Golang)PostgreSQLApache KafkaEthereum
Industries:
FinTechBankingPaymentsInsuranceE-commerceReal EstateEnterpriseStartups

Work & insights

Go deeper

All work
Reference architecture

Ledger-first architecture for a partner-bank neobank

How we structure a neobank so that balances always reconcile with the sponsor bank and partners can be added or replaced.

Learn more
Reference architecture

Stablecoin settlement layer for a card-accepting payment platform

A hybrid design that lets merchants accept cards as usual while optionally settling in stablecoins.

Learn more
Insight · 10 min

Your ledger is your product: designing money movement that always reconciles

Fintech products are judged on experience but survive on correctness. A double-entry ledger at the core is what makes balances provable.

Learn more

FAQ

Frequently asked questions

Is Shivacha a licensed financial institution?

No. Shivacha is a technology company. We design, build and integrate financial software. Regulated activities — holding customer funds, issuing cards, providing custody, lending — are performed by your organisation or by licensed partners under their own authorisations.

What is the difference between Web2, Web3 and Hybrid FinTech?

Web2 FinTech runs on traditional rails such as bank accounts, card networks and domestic payment schemes. Web3 FinTech runs on blockchains, stablecoins and digital assets. Hybrid FinTech connects the two, for example a wallet that holds both fiat and stablecoins, or a payment platform that accepts cards and settles in stablecoins.

Can you integrate with our existing core banking system?

Yes. We build integration layers and middleware for existing core banking systems, and we also build new ledgers and product services where a modern core is needed alongside or instead of a legacy one.

Do you help with PCI DSS or similar requirements?

We design architectures aligned with standards such as PCI DSS — tokenisation, network segmentation, encryption and access control — and produce technical documentation for your assessors. Certification itself is performed by qualified assessors.

Do you provide ready-made fintech products?

Yes. Our ready-to-launch platforms for digital banking, payment gateways, orchestration, wallets, card management, lending and more can be configured and extended instead of built from scratch.

Discuss Your Launch.

Infrastructure for the next generation of financial products.

Discuss Your LaunchTalk to a Solution Architect