Launch payment platforms and banking apps with built-in compliance

Financial applications require identity verification, transaction processing, and audit trails that satisfy regulatory requirements. Conjoin provides infrastructure that handles KYC workflows, payment processing, and compliance documentation without custom implementation.

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The challenge

Regulatory compliance blocks fintech innovation

Building payment platforms means implementing user verification that captures government IDs, transaction ledgers that maintain immutable audit trails, and subscription billing that handles payment retries and dunning. Development teams spend months integrating identity verification vendors, payment processors, and compliance monitoring tools, then wait weeks for security audits that identify gaps in fraud detection and access controls. When regulators request documentation about transaction histories or user verification processes, teams export data from multiple systems and compile reports manually.

Workflows

How developers build solutions

See how Conjoin Auth, Messaging, Storage, Relay, and Billing connect to build modern applications.

Verify user identities with KYC workflows and document verification

Conjoin Auth integrates identity verification directly into authentication flows, capturing government IDs and biometric data during user registration. Build KYC workflows that verify identities through third-party providers, storing verification status and supporting documents in user profiles. Define verification tiers like basic, intermediate, and enhanced that unlock features based on regulatory requirements. Users who complete basic verification can send small payments while enhanced verification enables larger transactions and merchant capabilities. Auth maintains verification history showing who verified when and which documents they submitted.
Outcome

Launch user onboarding that satisfies KYC requirements, reduce fraud through identity verification, and scale compliance processes without manual document review.

Process payments with automatic retry logic and compliance tracking

Conjoin Billing handles subscription management, one-time payments, and marketplace payouts with automatic payment retries when cards decline. Define pricing tiers, usage-based billing, and promotional discounts that apply automatically based on user segments stored in Auth. Process marketplace transactions with split payment logic that distributes funds between sellers and platform fees, maintaining transaction records that track money movement. Generate invoices and receipts automatically, sending them through Messaging with delivery confirmation. Dunning workflows notify users when payments fail, updating subscription status when grace periods expire.
Outcome

Increase subscription revenue through automatic payment retries, reduce churn by notifying users before cancellation, and maintain transaction records that satisfy financial regulations.

Send transaction notifications with delivery tracking

Conjoin Messaging delivers payment confirmations, account statements, and fraud alerts through SMS and email with encryption in transit and at rest. Messages maintain audit trails showing delivery status and read receipts, satisfying documentation requirements for customer communication. Build notification workflows that respect user preferences stored in Auth profiles, automatically selecting SMS for urgent fraud alerts and email for monthly statements. Rate limiting prevents message abuse while delivery receipts confirm customers received important financial information.
Outcome

Reduce fraud losses through timely alerts, improve customer trust with transparent transaction notifications, and demonstrate compliant communication practices through comprehensive delivery logs.

Encrypt financial documents with regional data residency

Conjoin Storage encrypts tax forms, account statements, and regulatory disclosures at rest and in transit, storing them in regions that comply with financial data residency requirements. Upload documents attached to user accounts with automatic versioning that preserves historical statements. Define retention policies that archive financial records according to regulatory timelines, triggering deletion only after required holding periods expire. Generate signed URLs that grant customers temporary access to their statements without exposing permanent storage locations.
Outcome

Eliminate compliance risks from insecure document storage, meet regional data residency mandates, and provide customers with secure access to financial records.

$10M

Processed in first year

40%

Reduction in payment failures

35%

Lower acquisition costs

Capabilities

Platform features that power your applications

Built to handle the complexity of production systems

KYC workflow integration

Verify user identities through integrated identity verification providers, storing verification status and supporting documents in user profiles.

Subscription billing automation

Manage recurring payments with automatic retry logic, dunning workflows, and grace periods that reduce involuntary churn.

Split payment processing

Distribute marketplace transaction funds between sellers and platform fees with automatic calculation and payout scheduling.

Transaction notifications

Transaction notifications

Send payment confirmations, account statements, and fraud alerts through SMS and email with delivery tracking and audit trails.

Compliance documentation

Compliance documentation

Generate audit reports showing authentication events, payment processing, message delivery, and file access that demonstrate regulatory compliance.

Encrypted document storage

Encrypted document storage

Store tax forms, account statements, and regulatory disclosures with encryption and regional data residency.

Success stories

Real outcomes from teams like yours

See how developers achieve measurable results with Conjoin

Payment platform processes $10M in first year

Context

A fintech startup built a payment platform connecting freelancers with clients, handling escrow, invoicing, and payouts. The founding team included engineers from consumer tech companies but no financial services experience, and investors required regulatory compliance before approving growth capital. The founders estimated nine months to implement user verification, payment processing, and transaction reporting.

Implementation

The team integrated Conjoin Auth with KYC workflows that verified user identities during registration, storing government IDs and verification status in user profiles. Conjoin Billing processed payments from clients to escrow accounts, releasing funds to freelancers when work received approval. Split payment logic automatically calculated platform fees and distributed payouts. Conjoin Messaging sent payment confirmations, payout notifications, and transaction receipts through email and SMS with delivery tracking that documented every communication. Conjoin Storage encrypted tax forms and account statements, generating signed URLs that gave users temporary access to their financial documents.

Results

The platform processed $10 million in payments during the first year, completing compliance audits in two weeks because Conjoin provided pre-configured KYC workflows and transaction logs. Payment failure rates decreased 40 percent through automatic retry logic and dunning workflows. Support costs remained flat despite 10x user growth because automated invoicing and receipt generation eliminated manual processes.

Digital bank launches with 25,000 account holders

Context

A neobank wanted to launch checking accounts with debit cards, bill pay, and peer-to-peer transfers. The founding team hired compliance consultants who identified gaps in the authentication system, transaction monitoring, and document retention that would delay launch by six months. The bank needed infrastructure that satisfied banking regulations without rebuilding their entire technology stack.

Implementation

The development team migrated to Conjoin Auth for user authentication, implementing multi-factor verification and biometric login that satisfied banking security requirements. Conjoin Billing processed ACH transfers, card payments, and peer-to-peer transactions with automatic fraud detection and transaction limits based on user verification tiers. Conjoin Messaging sent transaction alerts, account statements, and security notifications through SMS and email with delivery confirmation that ensured customers received important financial information. Conjoin Storage archived account statements, regulatory disclosures, and customer communications with retention policies that complied with banking regulations.

Results

The bank launched four months ahead of revised schedule after compliance consultants approved the Conjoin-based architecture. Account acquisition costs decreased 35 percent because streamlined KYC workflows reduced abandonment during onboarding. Regulatory audit preparation time decreased from three weeks to four days because Conjoin generated comprehensive transaction reports and access logs automatically.

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