FinTech & Escrow Systems
Escrow engines, double-entry internal ledgers, wallet holds, and anti-fraud rules.
Architecture and delivery of production FinTech platforms, escrow engines, multi-tenant digital wallets, and double-entry internal ledgers. Built with immutable audit trails, tiered KYC/AML verification, rule-based fraud detection, and automated dispute resolution.
Mission-critical financial infrastructure with mathematical ledger integrity.
Engineered with production-grade isolation, deterministic reliability, and seamless integration across the XIK infrastructure ecosystem.
Core Capabilities
4 Functional ModulesEscrow & Transaction Holds
Conditional fund holding, milestone-based releases, multi-party payouts, and fee splitting.
Double-Entry Internal Ledgers
Strict immutable journal entries guaranteeing wallet balances always balance across accounts.
Tiered KYC/AML & Fraud Guards
Automated risk scoring, rule-based transaction limits, suspicious activity flags, and identity verification.
Dispute & Notary Governance
Admin dispute resolution modules, contract logic simulations, and immutable audit logs.
Technical Specifications
- Identifier
- fintech-escrow
- System Stack
- Go, Laravel PHP 8.4, PostgreSQL (Acid), Redis, RabbitMQ, Stripe API
- Runtime Architecture
- High-availability Isolated Cluster
- Deployment Model
- PCI-DSS Compliant Infrastructure / AWS
- Supported Interfaces
- REST Financial APIIdempotent WebhooksmTLS Secure Bridge