Fintech is the worst place to "move fast and break things." A wallet that loses a cent, a ledger that doesn't balance, or a KYC step you skipped is not a bug — it's a regulator's letter. Archiet generates a fintech backend with the money-handling primitives already correct: a double-entry ledger, multi-currency wallets, KYC/AML onboarding, and saga-based settlement — from a written description.
You download a ZIP. You run docker-compose up. You start from a ledger that balances, not a blank file.
What the fintech reference architecture generates
| Capability | What ships | |---|---| | Multi-currency wallets | Per-currency balances with a wallet-operator model | | Double-entry ledger | Every movement is two balanced postings — debits equal credits by construction | | KYC / AML | Onboarding flow with verification states and audit hooks | | Settlement | Saga-style multi-step settlement with compensation on failure | | Tamper-evident audit | Append-only audit trail over every money movement | | Compliance posture | PCI-DSS-aware controls; secrets never shipped in source |
The double-entry invariant
The generated ledger encodes the rule that makes accounting trustworthy — every transaction is two postings that sum to zero — so an unbalanced write is structurally impossible rather than caught later by a reconciliation job:
def post(txn, debit_account, credit_account, amount):
# Two legs, opposite signs, same amount. The ledger refuses to
# persist a transaction whose legs do not net to zero.
entries = [Entry(debit_account, +amount), Entry(credit_account, -amount)]
assert sum(e.amount for e in entries) == 0
ledger.append(txn, entries)
How to generate a fintech app with Archiet
- Describe the product. Mention wallets, payments, a ledger, or KYC and the fintech capabilities activate.
- Pick a stack. Flask, FastAPI, NestJS, Django, Laravel, Rails, Go, Java Spring Boot, or .NET — paired with a Next.js frontend.
- Generate. Archiet emits the full codebase — typically 200–800 files — with the wallet, ledger, KYC, and settlement modules wired in.
- Review the controls. A compliance artifact pack (PCI-DSS control mapping) is emitted alongside the code for your auditor.
- Download and ship. Plain source — read it, modify it, deploy it anywhere.
What you get in the ZIP
- Wallet + multi-currency balance models with tenant scoping
- A double-entry ledger that refuses unbalanced postings
- KYC/AML onboarding with verification states
- Saga settlement with compensating actions on failure
- An append-only, tamper-evident audit trail
- A PCI-DSS control-mapping evidence pack
- The surrounding app: auth, multi-tenancy, admin, Docker, CI
Why "correct by construction" matters in fintech
A demo that moves fake money convincingly is worthless if it can't survive a real reconciliation. Archiet hard-blocks delivery on a placeholder secret, a missing required flow, or a ZIP that fails its Synthetic Boot Test — so the fintech backend you download is one a senior engineer would put their name on, not one that only looks right in a screenshot.
When Archiet is the right fintech app generator for you
- ✅ You're building a wallet, payments, lending, or treasury product and need the money primitives correct from day one
- ✅ You need a PCI-DSS evidence pack to hand an auditor, generated from the same model as the code
- ✅ You want to own the source — no vendor runtime between you and your ledger
- ❌ You only need a Stripe checkout button on a marketing site
- ❌ You want an off-the-shelf hosted banking-as-a-service API
Build your fintech app free
The free plan generates one full project per month with watermarked output; Pro removes the watermark and unlocks unlimited generations and the full stack catalog.
Start a free build — describe your fintech product and generate the source. No credit card.