Fintech Industry Specialists

Financial Excellence for Modern Fintech

Navigate complex fintech regulations, money transmission compliance, and revenue recognition challenges with CFO partners who specialize in payments, lending, and financial services technology.

Financial expertise and consulting
Industry Challenges

Law Firm Accounting Challenges We Solve

The fintech landscape demands specialized expertise. These are the complex challenges we navigate daily for our clients.

Complex Revenue Recognition (ASC 606)
Multi-party transaction flows requiring precise revenue allocation
Subscription models mixed with usage-based billing
Payment processing fees, interchange, and merchant discount rates
Deferred revenue from annual contracts and platform fees
Multi-Jurisdiction Compliance
Money transmitter licenses across 50+ states
GDPR, CCPA, and data privacy regulations
AML/KYC reporting and suspicious activity monitoring
State-by-state tax nexus and registration requirements
Security & Audit Requirements
SOC 2 Type II audit preparation and maintenance
PCI-DSS compliance for payment data
Bank partner audit requirements and covenants
Investor-grade financial controls and documentation
Fund Flow & Reconciliation
Daily reconciliation of thousands of transactions
Multi-currency settlements and FX gain/loss tracking
Trust account management and segregation
Payment processor reconciliation (Stripe, Plaid, Dwolla)
Our Expertise

Specialized Fintech Solutions

Deep expertise across every fintech vertical with solutions tailored to your specific business model.

Payment Processors
Merchant account reconciliation
Interchange fee accounting
Chargeback reserve management
Multi-acquirer settlement tracking
Digital Banks & Neobanks
Banking partner reconciliation
Deposit accounting & interest accruals
Card program accounting
Regulatory capital requirements
Lending Platforms
Loan portfolio accounting
Credit loss provisioning (CECL)
Interest income recognition
Servicing fee allocation
Wealth & Investment Tech
AUM fee calculations
Securities accounting (fair value)
Performance fee recognition
Custodian reconciliation
Crypto & Blockchain
Digital asset accounting
Staking rewards recognition
DeFi protocol accounting
Tax basis tracking
Embedded Finance
Revenue share agreements
BaaS partner reconciliation
API transaction tracking
Multi-tenant revenue allocation
Our Expertise

Specialized Fintech Solutions

Deep expertise across every fintech vertical with solutions tailored to your specific business model.

Growth Metrics
GMV & Take Rate
TPV (Total Payment Volume)
Active Users (DAU/MAU)
Transaction Count & Velocity
Unit Economics
CAC & LTV by Channel
Revenue per Transaction
Cost to Serve
Contribution Margin
Financial Health
Cash Runway & Burn Rate
Rule of 40
Quick Ratio
Working Capital Position
Compliance KPIs
AML Alert Resolution Time
KYC Approval Rates
Fraud Loss Ratio
Regulatory Reporting Timeliness
Fundraising Support

Investor-Ready Financials From Day One

VCs and strategic investors demand pristine financials, detailed unit economics, and forward-looking projections. We prepare fintech companies for successful fundraising rounds.

$500M+
Capital Raised by Clients

Our clients have successfully closed Seed through Series C rounds

72 Hours
Due Diligence Turnaround

Respond to investor data room requests in record time

100%
Audit Success Rate

Clean audits with zero material weaknesses or restatements

Recent Success

Series B Closed

Our Clients

"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."

The Aquifer Difference

Strategic Partners Who Speak Fintech

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.

Fintech-First Expertise

We specialize exclusively in fintech, understanding nuances from payment flows to digital asset accounting that generalist firms miss.

Compliance as Standard

SOC 2, PCI-DSS, state licenses—we build compliance into your financial operations from day one, not as an afterthought.

Scale-Ready Infrastructure

Financial systems designed to handle 10x growth without breaking—from seed stage through IPO.

Our Team

Meet Your CFO Partners

Our experienced CFOs bring decades of expertise across various industries to help your business thrive

Rich Zhou
CEO & Founder
Terence Papadacos
COO & Manager of Accounting
Alexander Williamson
Senior Manager of Accounting
Ron Armstrong
Senior Business Analyst
Witton Leung
Financial Modeling Expert
Lydia Yu
Manager of Accounting
Mhilanie Belleza
Manager of Accounting
Want to learn more about our team and expertise?
View Full Team Bios
Common Questions

Fintech Accounting FAQ

How do you handle complex revenue recognition for payment processors?
What experience do you have with SOC 2 and regulatory audits?
Can you manage multi-currency accounting and FX exposure?
How do you help with fundraising and investor reporting?
What's your approach to payment processor reconciliation?
Do you have experience with crypto and digital assets?
How quickly can you close monthly books for a fintech company?
What's your experience with state money transmitter licensing?
Let's Get Started

Ready to Scale Your Fintech?

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.

Free Audit ($2,500 value)
30-Min Call with Experts
Custom Roadmap