Question: Is there a programmable vault that can help me manage payment data securely and scale my fintech product?

If you need a programmable vault for storing payment data and scaling your fintech product, Basis Theory is definitely worth a look. The platform handles commerce flows, compliance and payments data, and includes payment services for recurring payments, lending and checkout. SDKs for iOS, Android, React and NodeJS let developers integrate with the service, and Basis Theory has certifications for HIPAA, PCI Level 1 and ISO 27001. That means developers and businesses can build their own payment experiences while Basis Theory handles security and scalability.

Another good option is ACI Worldwide. The payment solutions platform covers a broad range of payment needs, including acquiring, enterprise payments and fraud management. It's designed for large banks, merchants and billers that need secure and scalable digital payment processing. With global deployment options and AI-powered fraud management, ACI Worldwide can help businesses improve payment services, lower operational costs and increase customer satisfaction.

If you're more data oriented, Plaid links users' financial data to a broad range of apps and services, including payment initiation, real-time balance verification and identity verification. With global coverage and products for personal finances, business finances, lending and banking, Plaid offers APIs and SDKs for integration and a fintech experience that's seamless.

Inai is another full-stack payment platform that makes global payment operations easier with a single API. It integrates with many payment service providers, and includes tools like Optimize for detailed analysis, Orchestrate for integration with multiple payment methods, and Reconcile for end-to-end payment reconciliation. It's highly scalable and has enterprise-grade security, making it a good fit for e-commerce and subscription businesses looking to improve checkout experiences and lower payment failure rates.