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FinTech software & infrastructure services

Secure financial infrastructure for modern banking.

Rise is a financial operator: we license regulated infrastructure to banks and fintech partners and run Blink and Zivo on the same production rails. That means what we sell is what we operate every day — not handoff-only project work.

What partners get

Operated rails, not a one-time handoff.

Institutions and fintechs work with Rise for infrastructure we build, deploy, and run — with consumer products proving the stack in production.

Operated infrastructure

APIs, payment rails, open-banking connectivity, and core-adjacent services we run in production — with monitoring, incident response, and change control.

Program design & integration

Architecture, data flows, and integration plans scoped to your regulatory footprint — alongside legacy cores and vendor maps where needed.

Compliance-minded delivery

Audit-ready logging, consent management, reconciliation, and documentation aligned to how regulated institutions actually operate.

Live product proof

Blink and Zivo exercise the same stack daily — income verification, advances, membership, and money movement — so partners see working systems, not slide decks.

How we partner

Built for institutions that need clarity, not conflict.

We license infrastructure and operate our own consumer apps — so partnership terms, data use, and regulatory roles are explicit from day one.

Clear program ownership

Partner programs are scoped up front: who owns the end customer, which brand surfaces in-app, and how support and disclosures are divided.

Data boundaries

Partner data stays within agreed use cases. Consumer product data is not repurposed for unrelated partner programs without contract and consent.

Sponsor-bank alignment

Money movement and deposit products run through regulated banking partners. Rise operates the technology layer; charter and BSA obligations sit with licensed partners.

Operator accountability

We are accountable for infrastructure we license because we also run consumer products on it — skin in the game on uptime, compliance, and reconciliation.

Production metrics · Rise platform

$1.42B

Volume on production rails

4

Cloud regions

248+

Active integrations

2

Consumer apps we operate (Blink, Zivo)

Our expertise

FinTech services we offer

Built on financial regulations, data security, and banking operations — software institutions and startups trust to handle sensitive data and real money.

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Operations automation

Automate transaction processing, compliance reporting, and onboarding workflows. Reduce manual work, cut errors, and speed up financial operations.

Custom FinTech development

Financial software built for your business model and regulatory requirements — scalable, secure, and deployed on infrastructure we already run.

Platform modernization

Upgrade legacy banking systems with modern security, UX, and performance — without disrupting live operations or losing critical data.

Third-party API integrations

Connect payment gateways, cores, aggregators, and analytics tools. Automate data exchange and reduce manual entry across your stack.

Financial services & infrastructure

Accelerate regulated innovation on rails already in production.

Advance efficiency, compliance posture, and time-to-market with infrastructure we build for institutions — and run every day in Blink and Zivo.

01
YodleePlaid

Open Banking

Connect accounts, payroll, and third-party data with consent-first APIs built for regulated production — audit trails, permissions, and scale included.

  • Account aggregation & financial data APIs
  • Consent and permission management
  • Core, aggregator, and Plaid-style integrations
  • Audit trails, rate limits, and access controls
  • Embedded finance connectivity
02
NACHAFedNow

Real-time payments

Move money on ACH, FedNow, and P2P rails behind one contract — with reconciliation, idempotency, and the traceability compliance teams expect.

  • ACH, FedNow, and instant payment rails
  • P2P transfers and disbursements
  • Reconciliation and ledger posting
  • Idempotency and failure recovery
  • End-to-end payment traceability
03
AWSVercel

Cloud infrastructure

Migrate and operate on AWS, Azure, or GCP with architectures designed for audits, uptime, and the operational reality of regulated finance.

  • Cloud migration and modernization
  • Compliance-minded reference architectures
  • Multi-region active-active operations
  • SOC 2–aligned security controls
  • Observability and incident response
04
OpenAIAnthropic

AI & analytics

Deploy ML for fraud, risk, and operations with explainable outputs your compliance and ops teams can audit, monitor, and replay in production.

  • Fraud detection and risk scoring
  • Credit and underwriting decision support
  • Operational analytics and forecasting
  • Explainable AI for regulated use cases
  • Model monitoring in production
05
HederaAlgorand

Blockchain & DLT

Permissioned ledgers and digital-asset workflows that speed settlement, automate reconciliation, and give finance teams a clearer shared record.

  • Permissioned ledger networks
  • Settlement and reconciliation automation
  • Digital asset and token workflows
  • Smart contract orchestration
  • Hedera, Algorand, and Stellar integrations
06
React NativeTypeScriptApp Store

Custom fintech development

Ship mobile experiences, lending flows, and platform extensions on infrastructure we already run — including Blink and Zivo.

  • Mobile banking and consumer apps
  • Lending and earned wage access workflows
  • API-first platform extensions
  • Regulated product UI/UX
  • Legacy core integration layers

Service capability guide

How we deliver — from strategy to production.

01

FinTech infrastructure consulting

  • Strategic planning for regulated product launches
  • Compliance and security architecture guidance
  • Risk assessment for money movement and data flows
02

Custom FinTech application development

  • Software that scales with transaction and user growth
  • Analytics for trends, risk, and operational insight
  • Secure payments and encryption built into the stack
03

Mobile FinTech app development

  • iOS and Android experiences for banking and EWA
  • Intuitive flows for advances, payments, and accounts
  • Bank linking, KYC, and disbursement on production APIs
04

Modernization & migration

  • Safe data migration with dual-write and reconciliation
  • Cloud upgrades for performance and resilience
  • Modern payment rails and open banking connectivity

Why choose Rise DFC

An operator — not another outsourced build shop.

Regulated finance by design

SOC-minded controls, audit trails, and compliance workflows — built for institutions, not retrofitted after launch.

End-to-end, on rails we operate

Discovery through production deployment on the same platform that powers Blink and Zivo — full cycle, one operator.

Production-grade technology

AI, DLT, and cloud where they earn their place — fraud, risk, settlement, and scale without science-project pilots.

Benefits

What you gain from our FinTech development solutions

Security, scale, compliance, and UX — outcomes institutions need when software moves real money.

Enhanced security

Layered encryption, access controls, and isolated environments protect customer data and money movement.

Scalable infrastructure

Handle growing transaction volume and user bases without re-architecting every product cycle.

Operational efficiency

Automate reporting, reconciliation, and compliance checks to reduce manual workload and cost.

AI & analytics

Track patterns in transactions, risk, and behavior to inform underwriting and operations.

Regulatory assurance

Features aligned with banking, payments, and data-protection expectations from day one.

Better user experience

Clear interfaces for institutional consoles and consumer apps — higher adoption, fewer support tickets.

Custom financial software

Tailored builds on infrastructure already in production.

From mobile apps to lending and treasury — engineered for regulated finance, deployed on the same rails that power Blink and Zivo.

Talk to us

Mobile apps

  • Mobile banking experiences
  • Earned wage access (Blink, Zivo)
  • Mobile payments and disbursements

Lending & advances

  • EWA and payroll-linked advances
  • Underwriting and decision engines
  • Repayment and collections workflows

Payments & treasury

  • Payment processing integrations
  • Treasury and float management
  • Reconciliation and reporting

Data & identity

  • Bank linking and KYC flows
  • Digital identity verification
  • Enterprise data hubs and dashboards

Who we work with

You're shipping products faster than your core lets you.

Aging cores blocking new products

We sit alongside legacy systems with API surfaces that let you launch without ripping the floor up.

Fragmented vendor maps

One partner across data, payments, cloud, and ledger — instead of stitching five contracts together.

AI & ledger experiments without a platform team

Pilot the next thing without hiring 30 engineers — we run the platform underneath.

Financial industry focus

Where we deliver — and what we run ourselves.

Institutional partnerships across banking and fintech, plus earned wage access products we operate daily.

Banks & credit unions

Modernize products without a multi-year core replacement. API layers, payments, and cloud ops that sit alongside what you already run.

  • Digital banking and member experiences
  • Real-time payments and treasury
  • Regulatory reporting and audit readiness
  • Open banking and partner connectivity

Fintechs & embedded finance

Launch and scale on production rails — aggregators, processors, and ledger patterns already proven under Rise consumer volume.

  • BaaS and sponsor-bank integrations
  • Payment and wallet infrastructure
  • Risk, fraud, and compliance tooling
  • Faster path from pilot to production

Payroll & earned wage access

We don't only advise on EWA — we operate Blink and Zivo on the same stack we offer partners.

  • Payroll-linked advance products
  • Flat-fee, transparent consumer economics
  • Bank verification without legacy credit checks
  • Path from EWA to broader neobank features

Integrations

Built into the systems you already trust.

Plaid

Open Banking & connectivity

Hedera

Enterprise DLT settlement

Algorand

L1 for asset issuance

Stellar

Cross-border money movement

Supabase

Postgres + auth foundation

Vercel

Edge runtime & deployment

Bank of America

Sponsor banking & liquidity

AWS · Azure · GCP

Multi-cloud reference architectures

How we work

Full-cycle infrastructure delivery — scoped to your domain and compliance reality.

Our team maps objectives, architecture, and rollout on platforms we operate — not handoff-only project work.

  1. 01

    Shared understanding of business goals and regulatory constraints

  2. 02

    Requirements translated into functional scope and success metrics

  3. 03

    Architecture vision — integrations, data flows, and security boundaries

  4. 04

    Delivery plan with risks, budgets, and compliance milestones

  5. 05

    Phased roadmap from pilot to production rollout

  6. 06

    Deployment on infrastructure we operate and monitor daily

FAQ

Common questions about partnering with Rise DFC

Is our financial data safe during development?
Yes. We use NDAs, isolated environments, least-privilege access, and strict data-handling protocols. Sensitive business, customer, and systems information stays protected at every stage.
Do you understand financial industry regulations?
We build for regulated finance daily — payments traceability, audit-ready logs, consent for data access, and adverse-action style explainability where credit decisions apply. Compliance is part of architecture, not a late add-on.
Can you work with our existing banking systems?
Yes. We integrate alongside legacy cores and vendor maps — API layers, dual-write migrations, and reconciliation until new paths match production truth.
What happens if we need changes after launch?
We support phased rollouts and post-launch iteration on infrastructure we operate. Roadmaps, SLAs, and change control are scoped during discovery.
How do you test financial software?
Automated tests, shadow environments, reconciliation checks, and load validation on payment paths — especially idempotency, ledger posting, and failure recovery before go-live.
What is Rise’s regulatory model?
Rise Digital Financial Corp is a technology operator, not a bank. We build and run infrastructure and consumer programs in partnership with licensed banks and regulated service providers. Product-specific disclosures and sponsor relationships are documented in contracts and in-app materials.
How do Blink and Zivo relate to partner work?
They are Rise-owned consumer products on the same production rails we license to partners. They demonstrate how the stack behaves under real volume, real compliance workflows, and real support — without replacing your program or your customer relationship.
What does a typical engagement timeline look like?
Discovery and architecture usually take a few weeks, followed by a scoped pilot, reconciliation validation, and phased production rollout. Timelines depend on integration depth, regulatory review, and whether you are extending an existing program or launching net-new.

Ready to scope your next launch?

Book a 30-minute call. We'll map the fastest path to production on infrastructure we already run.