Financial & AI Infrastructure · Mexico & USA

Financial depth.
Frontier AI.
Production systems.

We help banks, fintechs, and enterprises navigate the intersection of financial systems, modern AI architecture, and conversational infrastructure — from strategy to production.

Banking & Fintech AI Agents & LLMs AWS Architecture Cloudera Partner MCP Servers Data Platforms Mexico & USA
Explore solutions →
MX+US
Active projects in Mexico and the United States
17
MCP tools in production — payments, commerce, geospatial
AI
Agentic systems running on Claude, ChatGPT & WhatsApp
AWS
Serverless production infrastructure — Lambda, DynamoDB, SNS
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Cloudera Partner & GPC Member Greater Phoenix Chamber of Commerce · Enterprise data & AI platforms
Consulting
Senior-level advisory across the full financial stack.

Deep expertise in financial institutions, payment systems, AI architecture, and data platforms — applied to the problems that matter most for banks, fintechs, and enterprises in Mexico and the U.S.

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Banking & Fintech Strategy

Regulatory navigation, product architecture, and go-to-market for financial institutions in Mexico and the U.S. Advisory for licensed payment institutions, digital banks, and fintechs at every stage.

AI & Agentic Architecture

Design and implementation of LLM-powered systems, MCP server infrastructure, conversational backends over WhatsApp, ChatGPT, and Claude — built for production, not demos.

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Data Platforms & Analytics

Enterprise data architecture with Cloudera, AWS, and modern lakehouse patterns. From regulatory reporting to real-time analytics pipelines for financial institutions.

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Payment Infrastructure

Deep expertise in payment rails, STP integration, IFPE regulatory frameworks, stored value architectures, and reconciliation systems in Mexico's financial ecosystem.

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Regulatory & Compliance

Advisory for fintechs navigating Mexico's evolving regulatory landscape, BSA/FinCEN requirements, and upcoming compliance mandates that require technology investment.

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Cloud & Systems Architecture

Serverless AWS architectures, event-driven systems, API design, and production hardening. We build systems that survive real-world operational constraints.

The kinds of projects we take on

AI-to-commerce connective infrastructure

Designing the layer that connects LLMs, payment rails, and merchant systems — so conversational interfaces can close real transactions.

Agentic system architecture for financial products

Building LLM-orchestrated workflows that handle real money, user identity, and commercial actions with the rigor financial systems require.

Enterprise data platforms for banks & fintechs

Designing and deploying Cloudera-based data infrastructure for analytics, regulatory reporting, and AI model pipelines at institutional scale.

Regulatory technology & compliance systems

Software and architecture for fintechs navigating Mexico's evolving regulatory framework — IFPE, CNBV, and emerging mandates that require structured tech investment.

Conversational commerce platforms

End-to-end systems that let users discover, decide, and pay through natural language — across WhatsApp, ChatGPT, Claude, or any MCP-compatible interface.

Technology audits & architecture reviews

Independent assessment of existing systems — payment infrastructure, data architecture, AI implementations — with actionable findings and remediation roadmaps.

Solutions suite
A growing portfolio of production-ready platforms.

Beyond consulting, we build and commercialize software products spanning payments, urban discovery, learning, and financial analytics.

Building the stack
Live

PayRoad.ai

Conversational payments platform operating in Mexico under IFPE license. The connective layer between LLMs, users, and real commerce — via WhatsApp, ChatGPT, and Claude.

Payments WhatsApp MCP Server STP / IFPE
Building

search.city

Conversational urban discovery platform launching in Phoenix, AZ. "Talk to your city" — find local businesses, events, and services through natural language. Targeting 50 active businesses in the first pilot across Roosevelt Row, Tempe, and Old Town Scottsdale.

Urban discovery Phoenix, AZ Conversational AI
PayRoad Solution

Enterprise Learning Platform

AI-powered content creation for corporate training, commercialized through PayRoad Solutions. Tailored for Mexico's banking and fintech sector, where regulatory training requirements are high and growing.

FinTech training Banking AI content
Live

Cumple-PUI

The deadline passed. Fines start at $1.17M MXN per violation. CumplePUI connects any Mexican institution — banks, hotels, hospitals, universities — to the national PUI platform in 5 to 7 business days. Visit

Regulation Mexico Fintech
PayRoad Solution

Financial App Intelligence

Analytics platform for benchmarking and evaluating financial mobile applications. Delivers competitive intelligence for banks and fintechs tracking product quality across the market.

Analytics Banking apps Benchmarking
Available

Conversational Service Pilots

Production-ready conversational workflows for cities, utilities, and healthcare — delivered in 2–6 weeks. App-less, multilingual, with auditability and escalation built in from day one.

WhatsApp SMS Cities & utilities
Our thesis
Building infrastructure between AI and the real world.

LLMs have crossed a capability threshold. What they lack is connection — to money, to commerce, to the physical economy. We're building the layer that closes that gap.

PayRoad: the glue between LLMs and the real economy

The last-mile problem

LLMs understand intent with remarkable precision. But there is no standardized layer between what a model understands and what the real economy can accept. No bridge between token output and payment rail.

PayRoad as the connective layer

PayRoad is being built as the infrastructure that closes this gap — carrying financial identity, connecting to real merchants, and processing real transactions triggered by natural language.

The SuperBot paradigm

We believe the SuperApp is being replaced by a conversational backend — a unified layer of identity, context, and capability that any AI agent can plug into. PayRoad and search.city are two nodes of that backend.

MCP as the interoperability layer

Our production MCP server exposes payments, geospatial discovery, product catalogs, and shopping cart to any LLM — making PayRoad composable into any agentic workflow built on Claude, ChatGPT, or any standards-compliant model.

Technical capabilities
Full-stack depth, from model to money.

We cover the entire stack — from LLM orchestration and agentic frameworks down to payment rails, data platforms, and cloud infrastructure.

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AI & Agents

  • LLM integration & orchestration
  • Agentic workflows & tool use
  • MCP server development
  • Prompt engineering & guardrails
  • Claude, ChatGPT, custom models
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Conversational Frontends

  • WhatsApp Business API
  • ChatGPT GPT Actions
  • Claude connectors
  • SMS & app-less workflows
  • Multilingual (EN / ES)
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Cloud & AWS

  • Serverless & event-driven
  • API Gateway, Lambda, DynamoDB
  • SNS/SQS architectures
  • Production hardening
  • Cost optimization
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Data & Cloudera

  • Enterprise data platforms
  • Cloudera CDP & CDW
  • Lakehouse architecture
  • Real-time analytics pipelines
  • Regulatory data governance
Partners & memberships
Cloudera
Cloudera Partner Enterprise data & AI platforms
Greater Phoenix Chamber
Greater Phoenix Chamber Member — Phoenix, Arizona
Contact

Let's build something together.

Whether you're a bank exploring AI architecture, a fintech navigating regulation, or a builder who needs payments infrastructure — we're the team that has shipped in production.

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info@payroadsolutions.com
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payroad.ai — payments platform

U.S. operations: Phoenix, AZ
Mexico operations: Mexico City