Navigate complex fintech regulations, money transmission compliance, and revenue recognition challenges with CFO partners who specialize in payments, lending, and financial services technology.
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The fintech landscape demands specialized expertise. These are the complex challenges we navigate daily for our clients.
Deep expertise across every fintech vertical with solutions tailored to your specific business model.
Deep expertise across every fintech vertical with solutions tailored to your specific business model.
VCs and strategic investors demand pristine financials, detailed unit economics, and forward-looking projections. We prepare fintech companies for successful fundraising rounds.
Our clients have successfully closed Seed through Series C rounds
Respond to investor data room requests in record time
Clean audits with zero material weaknesses or restatements
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Recent Success
"Rich and the aquifer team helped us significantly improve our financial infrastructure. This allows us to focus on scaling faster, while feeling confident we have the right financial systems in place."
"The Aquifer team has been incredibly insightful in approaching our finance stack, making them an invaluable partner for our business. They work with us rather than around us and continue to lend their expertise in the world of web3 accounting."
"Aquifer was instrumental in helping GDA scale by providing financial infrastructure & processes, financial advisory seed + Series A rounds, corporate accounting & tax support, and any other ad-hoc projects. The team brought a strong sense of co-founder ownership."
We don't just process transactions. We become integrated partners who understand your business model, regulatory environment, and growth trajectory—speaking the language of modern financial technology.
We specialize exclusively in fintech, understanding nuances from payment flows to digital asset accounting that generalist firms miss.
SOC 2, PCI-DSS, state licenses—we build compliance into your financial operations from day one, not as an afterthought.
Financial systems designed to handle 10x growth without breaking—from seed stage through IPO.
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Our experienced CFOs bring decades of expertise across various industries to help your business thrive







We specialize in ASC 606 implementation for fintech, handling multi-party transaction flows where revenue must be allocated between platform fees, interchange, and merchant services. We build custom revenue recognition models that track gross vs. net presentation, deferred revenue for subscription components, and proper timing recognition for usage-based fees.
Our team has prepared 50+ fintech companies for SOC 2 Type II audits. We implement the financial controls and documentation required to pass audits, including segregation of duties, access controls, change management procedures, and incident response protocols. We also work directly with your auditors to provide support documentation and evidence.
Yes. We handle multi-currency operations including real-time FX gain/loss calculations, hedge accounting for currency exposures, cross-border payment reconciliation, and compliance with local GAAP requirements in multiple jurisdictions. We integrate with payment processors like Stripe and Wise to automate FX tracking.
We prepare comprehensive investor packages including GAAP-compliant financials, unit economics dashboards, cohort analysis, cash runway projections, and board-ready presentations. Our clients have raised over $500M in venture capital with our support. We also manage due diligence data rooms and respond to investor inquiries.
We perform daily automated reconciliation across all payment processors (Stripe, Plaid, Dwolla, etc.), matching settlement files to bank deposits, accounting for fees, reserves, and chargebacks. We track every transaction from authorization through settlement, ensuring zero variance in your books.
Yes. We provide specialized accounting for digital assets including custody reconciliation, staking rewards recognition, DeFi protocol accounting, impairment testing under ASC 350, and tax basis tracking for crypto holdings. We stay current with evolving FASB guidance on digital assets.
We deliver complete monthly financials within 5 business days of month-end, including full reconciliation of all payment accounts, revenue recognition adjustments, and management reports. For companies with daily settlement, we provide near-real-time dashboards with 24-hour data lag.
We track licensing requirements across all 50 states, manage surety bond accounting, prepare quarterly and annual regulatory reports for state banking departments, and maintain the financial records required for license renewals. We ensure you stay compliant with state-specific capital requirements and reporting deadlines.
Schedule a free fintech accounting audit. We'll review your current setup, identify risks, and show you exactly how we'd optimize your financial operations.