Multi-currency card platform
Multi-currency corporate-card platform on Rails + Node + AWS, card issuance, transaction processing, and spend controls built for cross-border operations.
Case Study · FINTECH · YC S20
Volopay: From founding engineers to a long-term software and AI partner
Corporate cards and spend management across 6 countries.
The story
What Volopay needed, and what we built.
Volopay's first production version was built by Vishal and Ankit, now KUMO's co-founders, as its founding engineering team, before KUMO existed. They built the multi-currency corporate-card and spend platform, real-time card controls, and compliance for multiple Asian markets end-to-end. When KUMO launched, Volopay became a long-term client: the same engineers continued as Volopay's external software and AI partner, scaling the platform on demand as it grew to six countries and $31M+ raised. Today, AI agents built by the team handle transaction reconciliation, KYC, and document processing.
What we delivered
Six areas of production work.
Cross-border compliance
KYC, sanctions screening, transaction monitoring, and audit-trail generation across six jurisdictions with regulator-friendly reporting.
AI reconciliation agents
Production AI matching payments to invoices, flagging anomalies, classifying expenses, and routing exceptions to finance teams.
Real-time card controls
Per-card limits, merchant-category controls, instant freeze/unfreeze, and FX policy enforcement at the spend point.
Production observability
Distributed tracing across services, fraud-monitoring dashboards, drift alerts as the model and traffic mix evolved through scale.
Founding build, then a long-term partner
The founders built Volopay's V1 before KUMO existed. Once KUMO launched, Volopay became a long-term client and the same team continued as its external software and AI partner, scaling on demand rather than handing off.
Highlights
Project highlights.
Stack
What it was built with.
- Ruby on Rails
- Node
- AWS →
- Production AI agents
"KUMO are our go-to consultants when it comes to solving deep fintech technical architecture problems and building custom AI tools."
Rajesh Raikwar
CTO, Volopay (YC S20)Services
What else KUMO can build for you.
Custom Software Development
Web, mobile, and platform software, with AI built in.
→ Web & Mobile DevelopmentProduction web and mobile for teams ready to scale.
→ Product Design (UX/UI)UX research, product flows, and UI, built by the same team.
→ AI Product & PlatformProduction AI products and platforms, built to last.
→More work.
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