fintech-api

Scaffold a production-ready financial services API -- generate a complete fintech backend with Plaid bank account linking and transaction sync, ACH/wire/card payment processing with payment orchestration, double-entry bookkeeping ledger with immutable entries and balance caching, KYC identity verification workflow with progressive tiers and document upload, idempotent request handling with deduplication windows, HMAC-signed outbound webhooks with retry and exponential backoff, append-only audit logging for compliance, multi-currency support with integer minor-unit arithmetic, and field-level encryption for sensitive data. Supports Fastify 5, NestJS, Express, FastAPI, Django REST, and Gin. Build a fintech API, create payment backend, scaffold banking API, financial services backend, money transfer service, neobank API, lending platform.