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Fintech
AWS
Cloud-Native
Solution Architecture

A Scalable Wire & EFT Platform with AWS and Plaid

Streamlining Infrastructure for B2B Finance
Project Overview

About the Client

The client provides B2B payment processing and transaction management services for small and mid-sized businesses. As usage increased, their MVP architecture began to show signs of strain — including delayed transactions, high maintenance costs, and poor error resilience. These infrastructure limitations impacted onboarding and reliability, prompting the need for a more scalable, cost-efficient platform with secure bank integrations.

A Mid-Sized B2B Fintech Platform

Based in Delaware, USA

Turning a Growing MVP Into a Scalable Payment Platform

The client had an MVP built on Java 11 and SpringBoot 2, but it was showing its limits. It couldn’t scale effectively, lacked modern structure, and posed risks when introducing new features. The platform also needed to support secure banking integration, cross-browser financial access, and extended visibility for managing vendor payments and profits.

Inspirit was brought in to lead the transformation — from technical architecture to user experience — and deliver a system that supported bank-grade reliability, real-time flow, and future growth.

Core issues we had to overcome

Rigid MVP Architecture

The original platform was built as a monolith, limiting its ability to scale or support modular development. Refactoring it safely required precise separation of responsibilities and careful planning around existing constraints.

Rigid MVP Architecture

The original platform was built as a monolith, limiting its ability to scale or support modular development. Refactoring it safely required precise separation of responsibilities and careful planning around existing constraints.

Secure Integration Requirements

The project demanded both real-time API connectivity (Plaid) and secure file-based bank transfers (via SFTP and ISO 20022). Aligning both methods under a single platform introduced integration challenges across data flow and infrastructure.

UX Gaps for Multi-Device Use

The initial MVP lacked a responsive design and had no built-in financial dashboards. We had to design a cross-browser UI from scratch — balancing utility, accessibility, and transactional visibility.

A Modern Architecture for a Real-Time B2B Payments Platform

We began by analyzing the system and refactoring it into a Java microservice-based structure. The backend was migrated to an AWS serverless infrastructure to improve elasticity, reduce operational overhead, and support real-time operations.

To support external integrations, we connected Plaid for account validation and used SFTP with ISO 20022 XML for secure bank transfers. We built responsive financial dashboards, a cross-browser UI, and added real-time alerting tools to support visibility across payments, vendors, and margins.

Migrated to AWS Serverless Infrastructure

Transitioned the backend to AWS Lambda and supporting services for dynamic scaling and cost reduction.

Built Modular Java Microservices

Rebuilt the core payment and communication logic using Spring Boot and Java microservices, enabling a cloud-based fintech system.

Integrated with Plaid and US-Based Bank

Enabled real-time EFT and Wire transfers using Plaid API integration and secure SFTP bank communication with ISO 20022 protocols.

Designed Responsive Financial UI

Delivered a clean, mobile- and desktop-ready interface for initiating transfers, tracking balances, and viewing transaction histories.

Implemented Error-Handling and Alerts

Added real-time alerts and automated fallbacks to minimize impact of third-party banking failures.

QA + Documentation for Long-Term Support

Wrote end-to-end test suites using JUnit and PyTest, trained internal teams, and documented the platform for future development cycles.

Results & Impact

Modular Architecture for Growth

Rebuilt the core system using Java microservices and AWS serverless infrastructure, enabling safe, incremental scaling

Stable Banking Integrations

Combined Plaid APIs and SFTP + ISO 20022 to deliver secure, reliable connectivity with financial institutions

Proactive Error Handling

Real-time alerts and fallback logic minimized disruption from banking errors — protecting transaction reliability at scale

Expanded Transaction Visibility

Custom dashboards and reporting tools gave users deeper insight into funds, transfers, and performance metrics

Responsive, Accessible Interface

The platform now delivers a seamless, mobile-friendly experience across devices — increasing engagement and usability

Smooth Handover for Long-Term Support

Comprehensive documentation, testing, and team training enabled internal developers to take full ownership post-launch

Conclusion

By transforming a limited MVP into a robust B2B payment platform, Inspirit enabled the client to process Wire and EFT transfers at scale — with real-time visibility, Plaid-driven accuracy, and a resilient, cloud-native architecture. We continue supporting the platform with enhancements, long-term scalability, and feature evolution.

Tools & Technologies

Amazon Web Services
AWS Lambda
AWS Fargate
PyTest
AWS SQS
AWS SNS
Java
Spring Boot
Amazon Web Services
AWS Lambda
AWS Fargate
PyTest
AWS SQS
AWS SNS
Java
Spring Boot
Amazon Web Services
AWS Lambda
AWS Fargate
PyTest
AWS SQS
AWS SNS
Java
Spring Boot

“What set Inspirit apart from the competition was the exceptional quality of their work.”

John Doe
Head of Marketing
full review on Clutch
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