A comprehensive blueprint for building scalable, compliant, and secure fintech systems in the UAE and GCC markets. From cloud infrastructure to regulatory compliance.
Essential architectural patterns for building robust fintech systems that scale from startup to enterprise level with regulatory compliance.
Handle transactions with sub-second latency
KYC, AML compliance and identity verification
Real-time analytics and regulatory reporting
End-to-end encryption and threat protection
┌─────────────────────────────────────────────────────────────────┐
│ Load Balancer / CDN (CloudFront) │
└─────────────────────┬───────────────────────────────────────────┘
│
┌─────────────────────┴───────────────────────────────────────────┐
│ API Gateway (AWS ALB) │
│ Authentication & Rate Limiting │
└─────────┬──────────────────────┬─────────────────────┬──────────┘
│ │ │
┌─────────▼─────────┐ ┌────────▼────────┐ ┌────────▼────────┐
│ Payment Service │ │ User Service │ │Analytics Service│
│ │ │ │ │ │
│ • Transaction │ │ • KYC/AML │ │ • Real-time │
│ • Settlement │ │ • Identity │ │ • Reporting │
│ • Fraud Detection │ │ • Compliance │ │ • ML Insights │
└─────────┬─────────┘ └────────┬────────┘ └────────┬────────┘
│ │ │
┌─────────▼──────────────────────▼─────────────────────▼──────────┐
│ Message Queue (Kafka/SQS) │
└─────────┬──────────────────────┬─────────────────────┬──────────┘
│ │ │
┌─────────▼─────────┐ ┌────────▼────────┐ ┌────────▼────────┐
│ PostgreSQL │ │ Redis │ │ TimescaleDB │
│ (Transactions) │ │ (Sessions) │ │ (Analytics) │
└───────────────────┘ └─────────────────┘ └─────────────────┘Build robust payment infrastructure that handles high throughput, ensures transaction integrity, and meets UAE regulatory requirements.
High-performance transaction processing with ACID compliance and sub-second response times.
Real-time fraud prevention using machine learning and rule-based engines.
Automated settlement processing with multi-currency support and regulatory compliance.
// Payment Transaction Handler - TypeScript Implementation
interface PaymentRequest {
amount: number;
currency: string;
paymentMethod: PaymentMethod;
merchantId: string;
customerId: string;
}
class PaymentProcessor {
async processPayment(request: PaymentRequest): Promise<PaymentResult> {
// 1. Input validation & sanitization
await this.validatePayment(request);
// 2. Real-time fraud detection
const riskScore = await this.fraudDetection.analyze(request);
if (riskScore > 0.8) {
return { status: 'REJECTED', reason: 'High risk score' };
}
// 3. Reserve funds with timeout
const reservation = await this.reserveFunds(request);
// 4. Execute transaction with rollback capability
try {
const transaction = await this.executeTransaction(request, reservation);
// 5. Queue for settlement & compliance reporting
await this.settlementQueue.push(transaction);
await this.complianceReporting.log(transaction);
return {
status: 'SUCCESS',
transactionId: transaction.id,
processingTime: Date.now() - request.timestamp
};
} catch (error) {
// Automatic rollback with audit trail
await this.releaseReservation(reservation);
await this.auditLogger.logError(error, request);
throw error;
}
}
}Comprehensive security measures and compliance requirements for fintech operations in the UAE and GCC regions.
All sensitive data encrypted using industry-standard algorithms
End-to-end encryption for all API communications
Additional protection for personally identifiable information
Key management with FIPS 140-2 Level 3 compliance
TOTP, SMS, and hardware token support
Granular permissions with principle of least privilege
Never trust, always verify approach
Protection against DDoS and abuse
24/7 fraud detection and alerting
Immutable logs for regulatory compliance
Machine learning for threat identification
Automated containment and notification
Document verification and identity screening
Real-time sanctions and PEP list checking
Automated compliance reporting for UAE Central Bank
Automated SAR filing and case management
Battle-tested technologies for building scalable, secure, and compliant fintech systems with detailed cost estimates and deployment strategies.
Partner with SolomonTech to architect and develop scalable fintech solutions that meet UAE regulatory requirements and scale with your business growth.