Ship a real money-moving product — payments, ledgers, compliance, payouts, BaaS, custodianship. Engineering, regulatory, and ops literacy fused.
This is the course for engineers who want to build fintech but don't have a banking background. You'll learn how money actually moves (rails, layers, settlement), how to integrate payment gateways correctly (idempotency, webhooks, retries), how to build a compliant double-entry ledger, how invoicing and tax compliance work, how to satisfy KYC/AML regulations, how to operate on BaaS platforms, and how to defend against fraud. Five capstone projects let you ship the work that gets you taken seriously: generating compliant IBANs, building real ledger services, implementing KYC pipelines, integrating Stripe end-to-end, and standing up a BaaS-style platform. The course covers regulatory concepts educationally. It does NOT certify you to operate regulated financial products in any jurisdiction. Always work with qualified legal + compliance counsel before launching a money-moving product.
Built by Lakshya Kumar
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Sign in to applyComplete all modules, then submit the required number of capstone projects. Each must earn a passing rating from an admin reviewer.
Build a working virtual-account system that generates compliant IBANs (with correct ISO 13616 check digits for at least 3 EU country codes), maintains a per-IBAN virtual account ledger, and simulates SEPA Instant settlement against a mock partner bank. Include: IBAN validation, account creation, deposit/withdraw via simulated rails, real-time balance updates, and a partner-bank reconciliation report. Demonstrate the full happy path: create account → receive simulated SEPA Instant payment → see balance → withdraw to external IBAN.
I am learning to build money-moving fintech products — payment rails (ACH, wire, SEPA, UPI, FedNow), payment gateway integration (Stripe, Razorpay), refunds and chargebacks, double-entry bookkeeping, financial ledger engineering, invoicing and tax compliance, KYC/AML regulations, identity verification, BaaS architecture, and fraud detection. Help me understand the actual mechanics with reference to real regulations, real systems, and real production patterns.
Build a complete Stripe checkout integration: idempotent PaymentIntent creation, client-side payment collection via Stripe Elements, webhook handler with signature verification + deduplication, automated retry logic for transient errors, refunds with webhook handling, and chargeback evidence submission. Include daily reconciliation against Stripe's balance API. Cover the happy path AND failure modes: declined cards, 3DS challenges, partial captures, full refunds, chargebacks. Must work end-to-end on Stripe test mode.
Implement a production-grade double-entry ledger as a REST API. Required: journal entries with sum-of-debits=credits constraint at database level, append-only design, sub-ledger pattern (per-customer accounts under aggregate G/L), idempotency via external_ref, period close with backdating prevention, three-way reconciliation against mock processor + bank, and trial balance + P&L + Balance Sheet generation. Stress-test with 10k concurrent transactions; verify zero drift.
Build an end-to-end onboarding + monitoring system. Required: KYC integration with a real provider's sandbox (Onfido, Persona, Sumsub, or Stripe Identity), sanctions screening against a synthetic OFAC SDN list (100+ names), risk scoring with documented inputs, transaction monitoring with 5+ AML rules (structuring, velocity, country risk, etc.), and a compliance-officer dashboard for alert review. Test with 1000 simulated users + 10k simulated transactions; document the false-positive rate.
Build a multi-tenant wallet platform that abstracts a sponsor-bank-style architecture. Required: tenant onboarding with per-tenant KYC config, per-tenant data isolation via Postgres row-level security, virtual accounts with multi-currency support (at least USD and EUR with FX), simulated rails (ACH, FedNow, wire) with correct settlement times, working capital tracker, and a tenant-facing dashboard. Demonstrate the model with 3 example tenants and end-to-end customer flows.
The reference implementation for modern payments APIs. Used throughout M2-M3.