Vishal Singhal, Co-founder & CEO
Founding engineer and former Head of Product & Engineering at Volopay (YC S20). Built corporate cards, spend management, and multi-currency money movement in production.
Industry
Financial Services
Production fintech software and AI for banks, payment companies, and lenders.
KUMO's co-founders built Volopay's first production version as its founding engineers, and Volopay is now a long-term KUMO client we scale as their external software and AI partner. We are building FLIN's regulated consumer-credit app across Indonesia and the Philippines, and Singapore multi-family office Farro Capital brings us in as their fintech engineering partner. We know production-grade financial software, region-by-region compliance, and where AI actually fits in regulated money movement.
Why fintechs trust us
Fintech expertise that starts at the founder level.
Most software shops staff fintech projects with whoever is free. At KUMO, the people who built and scaled a YC fintech are the same people who scope and ship your build.
Ankit S, Co-founder & CTO
Founding engineer on Volopay, specialising in cloud-native and LLM-based architectures for regulated financial systems.
A proven fintech track record
Volopay (YC S20, $31M+ raised, 6 countries), FLIN (regulated consumer credit across Indonesia and the Philippines), and Farro Capital (a Singapore multi-family office) all work with KUMO as their software and AI partner.
Fintech software
The fintech products and systems we build.
From core money movement to the customer-facing app, we build and scale the software modern financial companies run on.
Payments & money movement
- Payment gateways and processing
- Digital wallets and stored value
- Multi-currency and cross-border transfers
- Card issuing and corporate spend
- Payouts, disbursements, and reconciliation
Banking & lending
- Digital banking and neobank platforms
- Core ledger and account systems
- Lending, credit scoring, and underwriting
- Buy-now-pay-later and instalment products
- Collections and debt-recovery workflows
Onboarding & risk
- KYC and KYB identity verification
- AML, sanctions, and PEP screening
- Fraud detection and transaction monitoring
- Credit-bureau and open-banking integration
- Case management and audit trails
Wealth, markets & embedded
- Wealth, portfolio, and family-office tooling
- Trading, brokerage, and market data
- Insurtech and claims workflows
- Embedded finance and banking-as-a-service APIs
- RegTech and compliance reporting
Where AI fits in financial services.
Six application areas where we ship production AI in this industry, chosen against the operational realities, not the buzzwords.
Transaction reconciliation
AI agents that match payments to invoices, flag anomalies, route exceptions. Live in production for Volopay.
KYC & document review
Identity verification, document review, PEP and sanctions screening with full audit trails.
Fraud detection
Real-time monitoring with AI-assisted anomaly scoring. Reduce false positives without missing real fraud.
Customer onboarding automation
End-to-end onboarding workflows: application intake, identity checks, document collection, underwriting hand-off, with regulator-friendly audit trails.
Treasury & spend operations
Spend categorisation, accrual generation, multi-entity reconciliation, FX exception handling. Built for finance teams who've outgrown spreadsheets but can't justify a full ERP migration.
Regulated chat & advisory copilots
Suitability-aware customer-facing assistants with disclosure logic, role-based access, and per-jurisdiction guardrails. Human in the loop on every regulated recommendation.
Regulation, privacy, and scale
Built for the rules of each market, not one generic build.
Financial software lives or dies on compliance, data residency, and trust. We design each build around the regulator and privacy law of the market it serves, with security and scale that hold up when real money moves.
Singapore
MAS · PDPALicensing-aware architecture, PDPA data protection, and audit trails built for MAS expectations. Where Volopay and Farro Capital operate.
India
RBI · DPDPRBI guidelines, data-localisation requirements, and the DPDP Act, with UPI and account-aggregator integrations where they fit.
Indonesia & Philippines
OJK · BSPRegulated consumer-credit workflows, local KYC with KTP and live selfie, and credit-bureau integration. Where we build FLIN.
European Union
GDPR · PSD2GDPR-grade data handling, PSD2 open banking and strong customer authentication, and in-region data residency.
United Kingdom
FCA · UK GDPRFCA-aware product design, UK GDPR, and open-banking standards.
United States
State MTL · SOC 2State money-transmitter realities, SOC 2 controls, and BSA and AML expectations.
Middle East
ADGM · DIFCADGM and DIFC frameworks and regional data-residency requirements for Gulf markets.
Data privacy by design
Per-tenant isolation, field-level encryption, PII masking, and full audit logs. Locally-hosted AI models where data cannot leave the environment.
Handles real money at scale
The same patterns behind Volopay: multi-currency processing, real-time card controls, and reconciliation across six countries, built to process serious transaction volume without failing quietly.
Deploy where you must
AWS Partner, and we deploy on your cloud, in-region, or on-premise to meet residency and regulator requirements.
Related work
Where we've shipped this in production.
FINTECH · YC S20 · $31M+ raised Volopay
Founding engineers built its first production version pre-KUMO. Now a long-term KUMO client scaled by the same team across six countries.
Read case study ->
FINTECH · INDONESIA + PHILIPPINES FLIN
Building FLIN's fintech app for Indonesia and Philippines markets. Regulated workflows across two jurisdictions.
Read case study ->
WEALTH · SINGAPORE Farro Capital
External software and AI engineering partner to a Singapore multi-family office, engaged for fintech expertise and senior engineers.
Read case study ->FAQ
Have you shipped AI in fintech production? +
Yes. KUMO's co-founders built Volopay (YC S20, $31M+ raised) as its founding engineers, and Volopay is now a long-term KUMO client with AI reconciliation and KYC agents in production across 6 countries. We are also building FLIN's fintech app for Indonesia and the Philippines, and Singapore multi-family office Farro Capital brings us in as their external software and AI partner.
Which countries and regulations can you build for? +
We design each build around its market: MAS and PDPA in Singapore, RBI and the DPDP Act in India, OJK and BSP in Indonesia and the Philippines, GDPR and PSD2 in the EU, FCA and UK GDPR in the UK, and state money-transmitter and SOC 2 realities in the US. Data residency, localisation, and audit trails are designed in from the start.
Can you handle high transaction volumes and scale? +
Yes. Our co-founders built Volopay's multi-currency corporate-card and spend platform, processing real transaction volume with real-time controls and reconciliation across six countries. We build for serious money movement with the observability and rollback to match.
How do you handle regulatory review? +
We document data flows, access patterns, and AI decision logs in formats your compliance team can audit. For regulated AI (KYC, fraud), we build mandatory human-in-the-loop checkpoints.
Can you deploy AI on-premise? +
Yes. On-premise, confidential computing environments, or customer-owned cloud. For sensitive data we can use locally-hosted AI models.
Can KUMO be our ongoing fintech engineering partner? +
Yes. This is how Volopay and Farro Capital work with us: an on-demand external software and AI partner engaged scope by scope, with senior engineers who scale the product as you grow, and no junior hand-off.
What does a typical fintech engagement look like? +
Most fintech engagements run 12-16 weeks for a single AI workflow: KYC, fraud, reconciliation, or onboarding, with compliance reviews built into each milestone. Larger multi-workflow programmes run 4-6 months across two or three production releases.
Tell us what you're solving for.
We'll listen first, ask the right questions, and follow up with a clear proposal.