Run Fintech Software on a Platform Built for the Regulatory Load.
Fintech compliance isn't a feature — it's a structural constraint. PCI-DSS Level 1 for payments. SOC 2 Type II for SaaS customers. GDPR for EU + UK. DORA for EU financial-sector resilience. Most fintech startups burn 12-18 months on platform compliance before shipping product. Aeion's fintech stack — Billing + Auth + Aegis + Finance + Governance + Sentinel + Claw — ships these as kernel-level enforcement, not vendor add-ons. One BAA-equivalent contract, one audit log, one incident-response runbook across the regulatory surface. Aeion doesn't provide KYC/AML identity verification or sanctions screening — bring your own vendor (Persona, Onfido, Trulioo, etc.) for that layer; Aeion is the platform your compliance stack runs on top of, not a KYC/AML engine itself.
What Aeion Ships for Fintech Specifically
PCI-DSS Level 1 Native
Card data tokenization at processor (Stripe / Adyen / Square / PayPal). Card numbers never reach the Aeion DB. Audit-ready logging for every payment-touching action. Quarterly pentest included. Read Billing →
Bring Your Own KYC/AML
Aeion doesn't have built-in connectors for identity-verification or sanctions-screening vendors (Persona, Onfido, Trulioo, Jumio, etc.) today — that's a real gap, not a roadmap tease. Wire your KYC/AML vendor in via a webhook/API integration and store the resulting evidence in Files + Governance alongside the rest of your audit trail.
Aeion Auth — Adversary-Class Identity
Step-up MFA for financial transactions. Adaptive risk-based authentication. WebAuthn FIDO2. Session-binding to device. Break-glass workflow for emergency access. Immutable login history. Read Auth →
Aeion Aegis — Banking-Grade Backup
Continuous PITR ~30s RPO via pgBackRest. Customer-managed encryption keys. S3 object-lock for ransomware resistance. Weekly automated verification. Monthly compliance reports mapped to SOC 2 / DORA / NYDFS-23. Read Aegis →
Aeion Sentinel — Anomaly + Threat Detection
Cross-module event correlation. Velocity rules + behavior pattern matching. Auto-block + admin alert on detected anomalies. This is generic fraud/anomaly detection, not AML-specific transaction screening — it doesn't check sanctions lists or flag money-laundering typologies. Read Sentinel →
Multi-Currency + Multi-Entity
Operate across 130+ currencies + 200+ jurisdictions. Inter-company eliminations. FX rate auto-updates. Multi-entity consolidated reporting. Audit-ready transaction logs per jurisdiction.
Compliance Reports Auto-Generated
Monthly Aegis PDF covers backup runs, verification tests, encryption mode, mappings to PCI-DSS / SOC 2 / DORA / NYDFS-23 / EU AI Act. Available for auditor download. Read Governance →
The Compliance Frameworks This Stack Maps To
Concrete mappings for the regulatory load most fintech startups face.
What's Real on the AI Side — and What Isn't
Being direct about scope here matters more than sounding impressive: Aeion does NOT have AML screening, sanctions-list cross-checks, SAR drafting, credit-bureau integrations, or lending adverse-action drafting. If your fintech product needs those, you're bringing in a specialist vendor for that layer — same as everyone else. Here's what Aeion's AI layer actually does today:
Fintech Wins Beyond Compliance
One Compliance Contract
A single BAA-equivalent contract replaces the per-vendor security-questionnaire cycle you'd otherwise repeat for every point solution.
One Audit Log, Every Framework
PCI, SOC 2, GDPR, DORA, and NYDFS evidence all live in the same log, so your auditor reads one export instead of stitching five.
CMK Encryption With Rotation
Customer-managed keys mean even Aeion staff can't decrypt your data without authorization.
Multi-Currency Native
Operate across currencies without stitching together Stripe Treasury, Wise, and Revolut Business.
Real-Time Financial Dashboards
See cash position as it happens, not as an end-of-month surprise.
Generic Fraud Detection at the Kernel
Commerce order-fraud scoring runs natively — but it's order/chargeback fraud, not AML or KYC. Bring your own vendor for those.
Customer-Owned Data
Your tenant database, your bucket, exportable on demand.
AI Action Logging Native
Every AI-driven action is logged with the RBAC context it ran under — a building block for your own audit evidence, not a pre-packaged regulator report.