Hi All, am curious to know what are key problems fintechs particularly NBFC( Non Banking Financial Corporations) are facing other than figuring out GenAI or agentic AI adoption? like to share!

1. Sales Officer / Sales Manager – Field Sales

Experience: 1–4 years

Preferred Industry: Gold Loan, BFSI, Financial Services / FinTech

1. Loan Manager – Field Sales

Experience: 1–5+ years

Preferred Industry: Gold Loan Only

📍 Current Volume Hiring Locations: Chennai, Mumbai, Pune & Hyderabad

Please share your resume ✉️arpita.uttam@hireginie.com

Billing infrastructure shouldn't be a black box. Built in the open for speed, clarity, and control.

Meet QUANTUM BILLING :

QuantumBilling is a Phoenix LiveView application for Indian business billing: clients, GST invoices, document templates, credit/debit notes, e-way bills, recurring billing, payment links, reports, and compliance reminders.

It uses Elixir, Phoenix, PostgreSQL, and Oban. Business data is being separated into PostgreSQL schemas, with shared accounts and business memberships in `public`.

QuantumBilling: Where precision invoicing meets transparent, open-source engineering.

One thing that bothers me about short-term lending is how much attention goes into getting someone money today, and how little goes into what happens on their next payday.
In Canada, a $300 payday loan for 14 days can cost $42 in fees at the regulated cap. That’s $342 coming out of the next paycheque.
But here’s the question I think matters more:
After repaying that $342, does the person have enough left for rent, groceries, and other essentials — without having to borrow again?
There’s a real difference between having enough income but dealing with bad payment timing, and simply not earning enough to cover recurring expenses.
Short-term credit might help with the first problem. It doesn’t solve the second.
Before borrowing, people should also be able to explore other options, like moving a bill’s due date, negotiating a payment plan, or comparing less expensive credit options.
I previously worked in banking and payments, and I’m now building Romii, a pre-launch Canadian fintech exploring small cash advances.
I’m not going to pretend that simply calling something a cash advance makes it safer.
I think products in this space need to be judged by their actual costs, what borrowers have left after repayment, and whether people become less dependent on borrowing over time.
That’s the standard I want us to build toward.
What do you think a genuinely responsible short-term credit product would need to get right?
Source: Financial Consumer Agency of Canada — Payday Loans
https://www.canada.ca/en/financial-consumer-agency/services/loans/payday-loans.html

I've been looking into how fintech apps can make it easier for users to get money into a stablecoin wallet and I'm wondering if virtual bank accounts are a better starting point than the usual crypto onramp. Instead of asking someone to buy USDC through an exchange or connect another wallet they could receive a normal bank transfer into a virtual account and have the funds credited to their stablecoin balance.

In my eyes that seems much easier for someone who's never used crypto before especially if they're getting paid by an employer or receiving transfers from clients who are still using regular banking. What I'm less sure about is how much complexity this actually removes since there's still the banking partner, conversion process, compliance requirements and reconciliation happening behind the scenes.

If there are any devs or anyone for that matter building something like this would you prioritize virtual accounts as the main funding method or still offer traditional crypto onramps alongside them?

Hi there, I am currently working on a fintech project.

The product to build A cash reconstruction and financial review workspace for small businesses whose records span bank or wallet exports, dues lists and physical cash. It explains what is known, what is missing, and what must be verified before a payment decision can be supported

Some working professionals out there, can you spot a problem that we can fix?
It would be of a great honor.

We're exploring CAS API integration for Passbook, a family finance app. Our users currently import their mutual fund holdings from CAMS statements, and we'd like to make that more seamless.

I've reached out to MFCentral support by email and followed up, but haven't heard back yet.

Has anyone here worked with their API or partnerships team? An introduction or a public business contact for the right person would help a lot. Thanks!

If Anyone Has To Open New Financial Firm name if Any Have Thoughts

Please I try But not get any

need clean usd to cad payment rails with kyc in the same integration not bolted on from a separate identity vendor. corridor sounds simple but finding a provider that handles both natively has been harder than expected.

candidates as i understand them. cybrid is api-first with us and canada licensing, kyc and kyb in same integration, ach pull on usd side and canadian bank account on cad side. bvnk is multi-rail stablecoin api under stripe, clean docs but post-acquisition roadmap is stripe controlled.

north american corridor, licensed both ends, compliance integrated not bolted on. how does this shake out for a platform builder

Hi everyone. I need a recommendation from more experienced folks. I have a very small business and need a comfortable way to accept cryptocurrency with all the accompanying infrastructure (webhooks, transaction analytics), and it's quite important that it's without KYB. Are there any such proven solutions these days?

Here’s another interesting number: one in three applicants we see has already verified with us before, so plenty of people are being asked to provide identity information they’ve already submitted.

Opera’s MiniPay is the first live integrator of our Reusable KYC Gateway, which lets users reuse their verified identity across participating providers in its partner network.

How reuse works Users connect their verified Sumsub ID to MiniPay and authorize sharing with each participating provider. New users complete verification first.

For example, identity information provided when buying stablecoins can be reused with a participating cash-out provider, reducing repeated document uploads.

What providers still check We run fresh checks against each provider’s requirements, so a provider that needs proof of address still needs that information alongside the identity document already available.

Where your information goes Identity data passes directly from us to the regulated provider, and MiniPay doesn’t collect or store identity documents or biometric data through Gateway.

How sharing permissions work Users authorize sharing with each recipient and can revoke MiniPay’s connection through their Sumsub ID account. Revocation stops new sharing through that connection; it doesn’t automatically delete records already received by providers.

What would you want to know before using it? What would help you feel comfortable reusing your identity across providers, and what would you want the sharing screen to explain?

Regulatory reporting involves more than preparing a report. Teams also need to validate data, coordinate approvals, track deadlines, and maintain a clear record of submissions and corrections.

For those working in banking, compliance, or fintech:

What is the most challenging part of the process in your experience?

• Data validation
• Coordination between departments
• Approval workflows
• Deadline tracking
• Audit trails and version control

I've created an Excel add-in to check the consistency of units used in Excel spreadsheets. Units include currencies (like dollars, pounds, euros) and engineering units (like meters, pounds, kilograms). The add-in will flag errors when units are used inconsistently.

The technology is roughly based on a paper at Intl Conf on Software Engineering 2004, on which I was an author. I've taken some of the ideas there and introduced others.

The add-in is meant to work with Excel on Windows, Mac, and with Office 365 on the Web. I've been testing it on Windows 11 with Office 2024.

Installation instructions at: https://github.com/psteckler/daubee

I have experience installing the add-in on Windows; it should be installable in Mac and Office 365 on the Web.

You can report any issues you find, or make suggestions on Github: https://github.com/psteckler/daubee/issues

I'm looking into what it takes to build a stablecoin neobank and I'm trying to figure out which part of the infrastructure should be decided first. My initial thought was to start with the wallet layer since that's where users would hold their USDC and where most of the balance management would happen then we'd find an issuing partner to connect cards to those balances but I'm wondering if doing it in that order could create problems later. If the issuer has specific requirements around how funds are held, how transactions are authorized or how settlement works we could end up having to change parts of the wallet setup just to make the card program work.

Starting with the issuer might avoid some of that but then we'd potentially be building the wallet side around one provider's requirements so if there's anyone who's built something similar did you choose your wallet infrastructure or issuing partner first and did that decision cause any problems once you started connecting everything?

Hey everyone! I’m thinking about building a simple app that helps people save money every month.

I’m curious about three things:
What’s your biggest frustration with current budgeting apps?

What feature would actually help you save more money?

Would you pay $5/month for an app that genuinely helps you save?

I’m still exploring the idea and would really appreciate your feedback!