Full-Stack Financial OS Architecture.

From bank APIs at the bottom to embeddable UI components at the top. Six layers powering 500+ features across 10+ banks. Click any layer to explore.

Embeddable UI Layer

Pre-built branded components your customers interact with▼
White-label dashboardsOnboarding screensPayment widgetsInvoice portalsKYC flowsCard activationTransaction history

Application Layer

Business logic and financial operations modules▼
Expense MgmtInvoice EngineBill PaymentsTreasuryPayrollCardsWalletsCollections

Intelligence Layer

ML models powering predictions, detection & optimization▼
Cash Flow AIFraud MLSmart RoutingAuto-CategorizationAnomaly DetectionOCR/NLPConversational AI

Platform Services

Core infrastructure services shared across all modules▼
Ledger EngineCompliance EnginePolicy EngineWebhook BusAudit LoggerKYC/KYBNotification Hub

Bank Connectivity (BankMesh)

Direct API + aggregation layer to 10+ Indian banks▼
Yes BankIDFC FirstRBLSBIICICIHDFCPNBBOBBandhanAU SFB

Payment Rails

All Indian payment infrastructure accessible via single API▼
UPIIMPSNEFTRTGSBBPSNACHeMandateUPI AutoPay

API Request Lifecycle

What happens when you call POST /v1/payments - in under 500ms

0ms
API Gateway
TLS termination, auth, rate limiting
→
5ms
Policy Engine
RBAC check, approval rules, limits
→
15ms
Ledger Engine
Debit/credit entries, balance check
→
20ms
BankMesh Router
AI selects optimal bank + rail
→
25ms
Bank API Call
Payment initiated at partner bank
→
~200ms
Bank Response
Confirmation received, webhook fired
80+
Bank API tools
Manage connections, monitor health
500+
Platform features
Across all modules combined
170+
Audit log types
Every action tracked
<500ms
p95 API latency
End-to-end request time

Deployment Options

☁️Most Popular

Cloud (SaaS)

Fully managed by SpacePe. Multi-AZ deployment on AWS Mumbai region. Auto-scaling, zero-downtime upgrades. Best for most businesses.

🏗️Enterprise

Dedicated Cloud

Single-tenant infrastructure in your preferred cloud. Isolated compute, storage, and network. For enterprises needing data isolation.

🏢Coming Q3 2026

On-Premise / Air-Gapped

Deploy inside your own data center or VPC. Full control over infrastructure. For defense, government, and highly regulated industries.

Technical Specifications

☁️

Cloud-Native

Kubernetes-orchestrated microservices on AWS. Auto-scale from 100 to 100K TPS.

🔌

API-First

RESTful APIs with OpenAPI 3.0 specs. Every feature accessible via API. GraphQL coming Q2.

📡

Event-Driven

Webhook bus delivers 100+ event types within 200ms. Retry with exponential backoff. DLQ for failures.

🏢

Multi-Tenant

Isolated data per tenant via row-level security. Shared compute, zero cross-contamination. SOC 2 verified.

🟢

99.9% Uptime SLA

Multi-AZ deployment. Automatic failover. Zero-downtime deployments via blue-green. Status page with real-time health.

🔐

Security Stack

AES-256 at rest. TLS 1.3 in transit. MFA enforced. RBAC with 3 tiers. Pen tested quarterly. DPDP compliant.

👁️

Observability

Distributed tracing on every request. Prometheus metrics. Grafana dashboards. PagerDuty alerting. 30-day log retention.

🔧

CI/CD Pipeline

GitOps workflow. Automated testing (unit, integration, e2e). Canary deployments. Rollback in <60 seconds.

Want a deeper technical walkthrough?

Our solutions architects can walk you through the full stack.

Request Architecture Doc →