Shivacha FinTech
FinTech work: infrastructure for the next generation of financial products.
Banking, payments, cards, lending and wealth platforms — plus Web3 finance and hybrid rails that connect fiat and digital assets.
Shivacha FinTechReference 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.
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Stablecoin settlement layer for a card-accepting payment platform
A hybrid design that lets merchants accept cards as usual while optionally settling in stablecoins.
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