Fintech Intelligence
Payments, risk, and finance ops — unified from checkout to close.
Sparkle orchestrates gateways, combats fraud, reconciles ledgers, and automates payouts and invoicing — giving operators real‑time visibility and audit‑ready control.
From orchestration to valuation
We help you ship money movement and banking features fast — and tie them to ledgers, compliance, and real‑time analytics. Payments & money transfer, digital banking, open banking & embedded finance, commodities & currency valuation, and stored assets/custody.
Payments & Money Transfers
Card & NFC, RTP/ACH/wires, cross‑border remittance, network tokens, smart retries, and fee transparency.
Digital Banking & Wallets
Account opening (KYC/KYB), virtual/physical cards, spend controls, interest & fees, statements, and support tooling.
Open Banking / Embedded Finance / BaaS
Bank‑pay, data aggregation, payouts to sellers, platform accounts, and fintech‑grade API governance.
Commodities & Currency Valuation
FX rates, price feeds, hedging signals, and P&L impact — from diamonds to coffee to FX pairs.
Stored Assets / Custody & Payments
Vaulting and tokenization, segregated accounts, cold/warm storage options, and settlement to merchants.
Ledgers & Reconciliation
Double‑entry ledgers, multi‑currency accounting, settlement matching, variance alerts.
Risk, KYC/KYB & Compliance
Sanctions/PEP, device/risk scoring, dispute playbooks, and audit‑ready trails.
Reporting & Finance Ops
Auth & decline analytics, fee breakdowns, cohort LTV, and close‑to‑cash dashboards.
FX routing & transparent fees
Corridor optimization, AML checks, and instant status updates.
Frictionless accounts & cards
Onboarding, spend controls, and statements in one experience.
Bank‑pay, payouts & capital
Connect accounts, move money, and offer financial features inside your app.
Our Process to Financial Clarity
From authorization to settlement to reconciliation, we design for accuracy, speed, and control.
Strategy & Scope
Map flows, risks, compliance; define auth, chargeback, and recovery targets.
Concept & Design
Checkout UX, SCA paths, onboarding, and reporting schemas.
Planning & Prep
Gateway/BaaS sandboxes, webhook hardening, ledger models, data contracts.
Execution & Delivery
Launch, monitor, tune routing, automate reconciliation with alerts.
Selected outcomes
Payments
+2.7 pts authorization rate
Network tokens & smart retries
Ops
−80% manual reconciliation
Ledger automation & variance alerts
Risk
−35% dispute loss
Evidence kits & routing rules
Security, Compliance & Trust
PCI DSS‑aware patterns, SOC 2 alignment, GDPR/CCPA readiness, tokenization and vaults, SCA/3DS — with audit trails across the stack.
Tokenization & Vaulting
PAN avoidance, network tokens, and lifecycle management.
SCA / 3DS & PSD2
Friction‑aware challenge flows and exemptions for higher auth rates.
NACHA / ACH & Payouts
Bank debits, micro‑deposits, and disbursement windows with cutoffs.
Audit‑Ready Logs
Immutable events for payments, KYC, data access, and config changes.