Transaction & Settlement Systems
Core transaction and settlement infrastructure for regulated financial institutions. Designed for audited environments, high-volume processing, and strict reconciliation.
What We Build
We design and operate transaction infrastructure used in environments where breaks, mis-postings, or reconciliation issues are not acceptable. Typical deployments support real-time or near-real-time settlement, multi-currency processing, and cross-border flows under formal regulatory oversight.
Real-Time Processing
Sub-second transaction processing with guaranteed delivery and idempotency
Audit Trail Systems
Immutable transaction logs with full lineage and regulatory-ready exports
Settlement Engines
Automated settlement with multi-party reconciliation and exception handling
Multi-Currency Support
Native handling of multiple currencies with real-time FX integration
Fraud Prevention
Real-time transaction screening and anomaly detection
Regulatory Reporting
Automated compliance reporting across multiple jurisdictions
How We Build Transaction Systems
Systems are specified and built for production from the outset. The design process assumes audited operation, independent oversight, and the need to evidence control effectiveness over time.
Architecture & Specification
We begin with rigorous analysis of transaction flows, volume projections, compliance requirements, and integration points. Every edge case is documented before code is written.
Build with Auditability
Every system component is designed for observability and audit. We build the logging, monitoring, and reporting infrastructure alongside the core transaction logic.
Load Testing & Certification
Systems are stress-tested beyond projected volumes. We work with your compliance and audit teams to document controls and obtain necessary certifications.
Production & Operation
We support gradual migration and operate alongside your teams until full handover, or provide ongoing managed operations.
Technical Standards
99.99% Uptime SLA
Architecture designed for high availability with automatic failover
Sub-100ms Latency
Optimised for real-time transaction processing at scale
Immutable Audit Logs
Complete transaction history with cryptographic verification
SOC 2 Type II Ready
Built with controls mapped to compliance frameworks
Multi-Region Deployment
Data residency and disaster recovery across jurisdictions
Operational Discipline
Full Observability
Real-time dashboards, alerting, and anomaly detection across all transaction flows
Security First
Encryption at rest and in transit, with defence in depth throughout the stack
Regulatory Ready
Systems designed for examination, with documentation to institutional audit standards
Resilience Built-In
Automatic recovery, graceful degradation, and tested disaster recovery procedures
Built for Complexity
Our transaction infrastructure serves organisations where precision and compliance are non-negotiable.
Banks & Credit Unions
- Core banking systems
- Payment processing
- Interbank settlement
Payment Processors
- Card network integration
- Merchant settlement
- Fraud detection
Asset Managers
- Trade settlement
- NAV calculation
- Reconciliation
Insurance
- Premium collection
- Claims processing
- Reinsurance settlement
Transaction Infrastructure for High-Volume, Regulated Operations
Request a confidential briefing to discuss your transaction system requirements. We'll assess alignment and outline how XVICA can support your objectives.
Request a Private Briefing