Swiss-standard fintech infrastructure

Bank-Grade Fintech Infrastructure.

We build white-label payment ecosystems and eBill integrations that pass rigorous Swiss bank security audits.

The standard

Engineered on the EBICS, QR-bill and ISO 20022 standards that run Switzerland's national payment rails — the same rails used across Germany, France, Switzerland and Austria.

100%
Bank security-audit pass rate
EBICS v2.5 + v3
Payment standards integrated
GCP + AWS
Multi-cloud infrastructure

Trusted in production by

A leading Swiss digital billing provider
Integrated with Swiss Cantonal Banks
Enterprise fintech ecosystems
Enterprise Fintech & Payment Solutions

The engineering behind regulated payment platforms.

The same stack we used to ship a Swiss eBill infrastructure layer — from national payment-rail integration to HSM-backed security and GitOps-driven delivery.

Backend & Microservices

  • Java Spring Boot (2.7 → 3.4)
  • Kotlin + Vert.x (reactive, async)
  • Event-driven with RabbitMQ
  • High-concurrency payment volumes

European Payment Rails

  • EBICS v2.5/v3 — DE · FR · CH · AT
  • eBill network integration
  • Swiss QR-bill generation
  • ISO 20022 (camt / pain)

Cloud-Native Infrastructure

  • Kubernetes on GKE (GCP)
  • ArgoCD GitOps + Terraform IaC
  • Multi-cloud across GCP & AWS
  • HSM-backed keys via Cloud KMS

Frontend & Mobile

  • Vue.js (Vue 3 + Vuetify)
  • React / Next.js
  • Flutter mobile apps
  • White-label, multi-tenant portals
Reference architecture

The secure partner layer.

An anonymized view of how we bridge a core banking system to the national eBill network — the seam where security audits are won or lost.

Core Banking System

Financial institution

Secure Partner Layer

OAuth2 / JWT · mTLS · audit logging

EBICS client
Signing / KMS
ISO 20022
QR-bill

National eBill Network

≈95% of Swiss financial institutions

What we build

Fintech infrastructure, end to end.

From European payment-rail integration to bank-grade security and cloud-native delivery — every layer of a regulated fintech platform.

01

White-Label Banking & Billing

Payment ecosystems and digital billing platforms that scaling fintechs ship under their own brand.

02

European Payment-Standard Integration

EBICS v2.5/v3 across DE · FR · CH · AT, the eBill network, Swiss QR-bill and ISO 20022 (camt / pain).

03

High-Security Microservices

Event-driven services in Java Spring Boot and Kotlin / Vert.x, built for high-concurrency payment volumes.

04

Compliance-Ready Architecture

Architectures engineered to pass bank security audits — encryption, key management and audit logging by design.

05

Cloud-Native DevOps

Kubernetes on GKE with ArgoCD GitOps and Terraform IaC across GCP and AWS, with Swiss / EU data residency.

06

Dedicated Fintech Teams

Long-term engineering teams, led by an architect, integrated as an extension of your fintech.

Trust & compliance

Built to pass the audit.

Security is engineered in from the first commit — the controls that took our work to a 100% pass on a Swiss bank security audit.

End-to-end encryption

Encrypted in transit and at rest, with HSM-backed key management via Cloud KMS.

Secure API access

OAuth2 / JWT and mutual TLS between every service boundary.

X.509 digital signing

RSA signatures and certificate management for tamper-evident messaging.

NDA & white-label delivery

Strict confidentiality, fully white-labelled under your brand.

Swiss / EU data residency

Workloads pinned to European regions to meet residency requirements.

Distributed e-signature

EBICS EDS — multiple authorized signers approve orders remotely.

Why Thar Digital

Enterprise quality, startup speed

We are not a typical outsourcing firm. We are your technology partner, bringing the best of both worlds: enterprise-grade engineering standards with the agility startups need.

Engineering Maturity

Our engineers bring experience from enterprise environments. Clean code, proper testing, and scalable architecture are non-negotiable.

Startup + Enterprise Experience

We understand startup speed and enterprise standards. Get the agility you need without sacrificing quality.

Ownership Mindset

Our team members think like founders. They care about outcomes, not just tickets closed.

Security & Scalability Focus

Built-in security practices and architecture designed to scale from day one. No technical debt surprises.

Clear Communication

Daily standups, weekly reviews, and transparent reporting. Always know where your project stands.

Long-term Partnership

We build relationships, not just software. Most clients work with us for years, not months.

Engagement Models

Flexible partnerships, lasting results

Choose the engagement model that fits your needs. All models come with our commitment to quality and transparent communication.

Dedicated Teams

Full-time engineering teams that work exclusively on your product. Complete integration with your workflows, tools, and culture.

  • Architect-Led Engineering
  • Your timezone overlap
  • Direct communication
  • Long-term stability

Project-Based Delivery

Fixed-scope projects delivered with predictable timelines and budgets. Perfect for MVPs, features, or technical migrations.

  • Clear milestones
  • Fixed pricing available
  • End-to-end ownership
  • Knowledge transfer included

Long-Term Partnership

Strategic technology partnership for ongoing development, maintenance, and scaling. We grow with your business.

  • Flexible team sizing
  • Priority support
  • Technology advisory
  • Continuous improvement
Start a conversation

Building fintech infrastructure that has to pass an audit?

Tell us about the payment rails, compliance bar, and timeline. We'll show you how we'd architect it.