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<?php
$pagetitle = "Fintech Infrastructure | Core Banking APIs & Compliance Layer | Nesvra";
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?>

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    <!-- HERO -->
    <section class="relative max-h-[89dvh] h-fit w-full overflow-hidden">
        <div class="absolute inset-0 z-0">
            <div class="absolute inset-0 bg-black/55 z-10"></div>
            <img src="https://images.unsplash.com/photo-1551288049-bebda4e38f71?q=80&w=1200&auto=format&fit=crop"
                class="w-full h-full object-cover object-center"
                alt="Fintech Infrastructure" />
        </div>
        <div class="relative z-20 h-full w-full max-w-8xl mx-auto px-4 md:px-16 pt-32 md:pt-48 pb-12 flex flex-col items-start text-left">
            <span class="font-mono text-[11px] font-bold tracking-[0.4em] text-brandOrange uppercase mb-3">
                Fintech Infrastructure
            </span>
            <h1 data-aos="fade-right" data-aos-delay="200"
                class="max-w-4xl text-4xl md:text-5xl font-[400] tracking-[-0.05em] leading-[1.05] text-white">
                The Complete Fintech Backend. <br class="hidden md:block">
                <span class="italic font-serif">Weeks to launch. Not years.</span>
            </h1>
            <p data-aos="fade-right" data-aos-delay="400"
                class="mt-3 max-w-2xl text-sm text-white/70 font-mono leading-relaxed">
                Core banking APIs, KYC/AML compliance, payment rails, card network integration — one unified infrastructure layer that replaces seven vendors and gets you to production in 10–12 weeks.
            </p>
            <div data-aos="fade-up" data-aos-delay="600" class="mt-6 flex items-center gap-4">
                <a href="/get-demo"
                    class="inline-flex items-center gap-3 px-5 md:px-8 py-4 bg-brandOrange text-white rounded-full font-sans font-[600] text-sm tracking-tight hover:scale-[1.05] transition-all shadow-[0_15px_30px_-5px_rgba(255,138,0,0.4)]">
                    <i data-lucide="calendar-days" class="w-4 h-4 text-white"></i>
                    <span>Book a <span class="max-sm:hidden">Free Strategy</span> Call</span>
                </a>
                <a href="#pricing"
                    class="inline-flex items-center gap-3 px-5 md:px-8 py-4 bg-[#111] text-white rounded-full font-sans font-[500] text-sm tracking-tight hover:scale-[1.05] transition-all border border-white/10">
                    View Pricing
                    <i class="ri-arrow-right-line"></i>
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            </div>
        </div>
    </section>

    <!-- TRUST STRIP -->
    <section class="py-6 px-[5%] bg-white border-b border-zinc-100">
        <div class="max-w-[1200px] mx-auto">
            <div class="grid grid-cols-2 md:grid-cols-4 gap-0 divide-x divide-zinc-100">
                <?php
                $trust = [
                    ["PCI DSS Level 1",   "Certified infrastructure",     "ri-shield-keyhole-line"],
                    ["SOC 2 Type II",     "Operational security standard", "ri-shield-check-line"],
                    ["99.99% Uptime",     "SLA-backed availability",       "ri-server-line"],
                    ["10–12 Weeks",       "Concept to production",         "ri-rocket-line"],
                ];
                foreach ($trust as [$val, $label, $icon]):
                ?>
                    <div class="flex flex-col items-center text-center md:px-6 px-4 py-5 group">
                        <div class="mb-3 text-brandOrange text-xl transition-transform duration-300 group-hover:scale-110">
                            <i class="<?= $icon ?>"></i>
                        </div>
                        <span class="text-lg font-semibold text-royal tracking-tighter"><?= $val ?></span>
                        <span class="text-[10px] font-mono uppercase tracking-widest text-soft mt-1"><?= $label ?></span>
                    </div>
                <?php endforeach; ?>
            </div>
        </div>
    </section>

    <!-- PROBLEM SECTION -->
    <section class="py-24 px-[5%] bg-white overflow-hidden" id="problem">
        <div class="max-w-[1200px] mx-auto">
            <div class="text-center mb-16" data-aos="fade-up">
                <span class="font-mono text-[11px] font-bold tracking-[0.4em] text-brandOrange uppercase block mb-3">{01} The Infrastructure Gap</span>
                <h2 class="text-4xl md:text-5xl font-[400] tracking-tighter text-dark leading-[1.1]">
                    Why most fintechs fail <span class="italic font-serif text-electric">before launch.</span>
                </h2>
            </div>
            <div class="grid grid-cols-1 md:grid-cols-3 gap-6">
                <?php
                $problems = [
                    [
                        "ri-timer-2-line",
                        "18+ Months to Launch",
                        "Building core banking, compliance, and payment rails from scratch costs millions. Average time-to-market: 1.5–2 years. Opportunity loss exceeds $2M in missed revenue.",
                    ],
                    [
                        "ri-shield-cross-line",
                        "Regulatory Minefields",
                        "KYC/AML, PCI, data residency — one misstep triggers fines averaging $5M+ and license revocation. 73% of fintechs face compliance delays that kill fundraising momentum.",
                    ],
                    [
                        "ri-git-merge-line",
                        "Fragmented Vendor Hell",
                        "Managing 7+ separate vendors (processor, KYC provider, card network, FX, etc.) creates integration nightmares and hidden costs averaging $120K per year.",
                    ],
                ];
                foreach ($problems as $i => [$icon, $title, $desc]):
                ?>
                    <div class="bg-white p-8 rounded-[28px] border border-zinc-100 flex flex-col gap-5 group hover:border-royal/20 transition-all duration-500" data-aos="fade-up" data-aos-delay="<?= $i * 100 ?>">
                        <i class="<?= $icon ?> text-3xl text-soft group-hover:text-royal transition-colors"></i>
                        <div>
                            <h3 class="text-xl font-medium text-royal tracking-tight mb-3"><?= $title ?></h3>
                            <p class="text-soft text-sm leading-relaxed"><?= $desc ?></p>
                        </div>
                    </div>
                <?php endforeach; ?>
            </div>
        </div>
    </section>

    <!-- SOLUTION + ARCHITECTURE -->
    <section class="py-24 px-[5%] bg-[#f3f3f3]" id="solution">
        <div class="max-w-[1200px] mx-auto">
            <div class="text-center mb-16" data-aos="fade-up">
                <span class="font-mono text-[11px] font-bold tracking-[0.4em] text-brandOrange uppercase block mb-3">{02} One Integrated Layer</span>
                <h2 class="text-4xl md:text-5xl font-[400] tracking-tighter text-dark leading-[1.1]">
                    Unified infrastructure, <span class="italic font-serif text-royal">not a patchwork.</span>
                </h2>
                <p class="text-soft text-lg mt-4 max-w-2xl mx-auto">Nesvra replaces seven vendors with a single API-first backend — from core ledger to card network, compliance to settlement.</p>
            </div>

            <!-- Architecture stack -->
            <div class="bg-royal rounded-[36px] p-8 md:p-12 mb-12" data-aos="fade-up">
                <div class="flex items-center gap-3 mb-8">
                    <span class="font-mono text-[11px] font-semibold tracking-[0.3em] text-brandOrange uppercase">Infrastructure Architecture Stack</span>
                    <div class="h-px flex-1 bg-white/10"></div>
                </div>
                <div class="flex flex-col gap-3">
                    <?php
                    $layers = [
                        ["ri-shield-keyhole-line", "Access & Security Layer",       "API Gateway · mTLS · OAuth2 · WAF · Rate Limiting",                    "electric"],
                        ["ri-bank-line",            "Core Banking & Ledger",          "Double-entry ledger · Account management · Transaction engine · Interest/Billing", "brandOrange"],
                        ["ri-bank-card-line",       "Payment & Card Processing",      "Visa / Mastercard · ACH · SWIFT · ISO 8583 · 3D Secure",               "electric"],
                        ["ri-file-list-3-line",     "Compliance & Risk Engine",       "KYC/KYB workflow · AML screening · Transaction monitoring · Sanctions", "brandOrange"],
                        ["ri-exchange-funds-line",  "FX & Settlement",                "Real-time rates · Multi-currency wallets · Reconciliation · Liquidity", "electric"],
                        ["ri-bar-chart-box-line",   "Reporting & Analytics",          "Real-time dashboards · FinCrime reports · Audit trails · Regulatory filings", "brandOrange"],
                    ];
                    foreach ($layers as $i => [$icon, $title, $sub, $accent]):
                    ?>
                        <div class="flex items-center gap-5 p-5 bg-white/5 rounded-[20px] border border-white/10 hover:bg-white/10 transition-all duration-300 group" data-aos="fade-up" data-aos-delay="<?= $i * 60 ?>">
                            <div class="w-10 h-10 rounded-xl bg-white/5 flex items-center justify-center flex-shrink-0">
                                <i class="<?= $icon ?> text-<?= $accent ?> text-lg"></i>
                            </div>
                            <div class="flex-1 min-w-0">
                                <h4 class="text-white font-semibold text-sm tracking-tight"><?= $title ?></h4>
                                <p class="text-white/50 text-xs font-mono mt-0.5 truncate"><?= $sub ?></p>
                            </div>
                            <span class="font-mono text-[9px] uppercase tracking-widest text-<?= $accent ?> shrink-0 hidden sm:block">Layer 0<?= $i + 1 ?></span>
                        </div>
                    <?php endforeach; ?>
                </div>
                <p class="text-center font-mono text-[10px] uppercase tracking-widest text-white/30 mt-6">All layers communicate via REST & Webhooks · Built for scale: 10,000+ TPS</p>
            </div>

            <!-- API preview -->
            <div class="bg-[#0f1117] rounded-[28px] p-6 md:p-8 overflow-x-auto" data-aos="fade-up">
                <div class="flex items-center justify-between mb-4 flex-wrap gap-3">
                    <span class="font-mono text-[11px] font-semibold tracking-[0.3em] text-brandOrange uppercase">API Documentation Preview — REST</span>
                    <div class="flex gap-2">
                        <span class="bg-white/5 border border-white/10 text-white/50 font-mono text-[9px] px-3 py-1 rounded-full uppercase tracking-widest">Sandbox available</span>
                        <span class="bg-white/5 border border-white/10 text-white/50 font-mono text-[9px] px-3 py-1 rounded-full uppercase tracking-widest">Webhooks enabled</span>
                    </div>
                </div>
                <pre class="text-sm font-mono leading-relaxed text-green-400 overflow-x-auto"><code>POST /v1/transactions/payment
Headers: X-API-Key: {key}, Idempotency-Key: {uuid}

{
  "amount": 12500,
  "currency": "USD",
  "source_wallet": "wallet_abc123",
  "destination": "card_visa_****1234",
  "metadata": { "reference": "INV-2025-001" }
}

Response: 201 Created
{
  "transaction_id": "txn_9f8e7d",
  "status": "pending_settlement",
  "estimated_settlement": "2025-06-22T14:30:00Z"
}</code></pre>
                <p class="text-white/30 font-mono text-[10px] mt-4">→ Full API reference, Postman collections & SDKs (Node.js, Python, Java) available on request.</p>
            </div>
        </div>
    </section>

    <!-- FEATURE ECOSYSTEM -->
    <section class="py-24 px-[5%] bg-white" id="features">
        <div class="max-w-[1200px] mx-auto">
            <div class="text-center mb-16" data-aos="fade-up">
                <span class="font-mono text-[11px] font-bold tracking-[0.4em] text-brandOrange uppercase block mb-3">{03} Complete Feature Ecosystem</span>
                <h2 class="text-4xl md:text-5xl font-[400] tracking-tighter text-dark leading-[1.1]">
                    Every capability you need, <span class="italic font-serif text-royal">API-first.</span>
                </h2>
            </div>
            <div class="flex flex-col border-t border-zinc-100">
                <?php
                $features = [
                    ["ri-bank-line",            "Core Banking APIs",              "Accounts, ledgers, transfers, and real-time balance management — the double-entry ledger at the heart of your fintech."],
                    ["ri-bank-card-line",        "Payment Processing Layer",       "ACH, wires, real-time rails, and gateway-agnostic integration. Process payments across networks without vendor lock-in."],
                    ["ri-user-check-line",       "KYC / AML Compliance Engine",    "Automated identity verification, biometric checks, sanctions screening, PEP lookups, and ongoing transaction monitoring."],
                    ["ri-rfid-line",             "Card Network Integration",       "Visa, Mastercard, and Amex issuing and acquiring. BIN sponsorship, card personalisation, and tokenisation managed."],
                    ["ri-radar-line",            "Transaction Monitoring",         "AI-based fraud detection, velocity rules, and a configurable risk engine with case management and SAR filing."],
                    ["ri-exchange-funds-line",   "FX Rate Management",             "Real-time FX, spread control, and multi-currency wallets — for cross-border fintechs and remittance platforms."],
                    ["ri-git-commit-line",       "Settlement & Reconciliation",    "Automated matching, GL posting, and exception handling. Every payment balanced and audit-ready."],
                    ["ri-file-chart-line",       "Compliance Reporting",           "Audit-ready regulatory exports, SAR filing automation, and jurisdiction-specific report generation."],
                    ["ri-lock-2-line",           "Security Infrastructure",        "HSM key management, end-to-end encryption, tokenisation, DDoS protection, and zero-trust network architecture."],
                ];
                foreach ($features as $i => [$icon, $title, $desc]):
                ?>
                    <div class="grid grid-cols-1 md:grid-cols-12 gap-4 md:gap-8 py-10 border-b border-zinc-100 group hover:bg-[#F8F9FA] px-4 md:px-8 -mx-4 md:-mx-8 transition-all duration-500 rounded-[24px]" data-aos="fade-up" data-aos-delay="<?= min($i * 50, 250) ?>">
                        <div class="md:col-span-5 flex items-start gap-4">
                            <span class="font-mono text-brandOrange font-semibold text-xs tracking-tighter pt-1 shrink-0">/ 0<?= $i + 1 ?></span>
                            <h4 class="text-xl font-medium text-royal tracking-tighter group-hover:text-electric transition-colors duration-300"><?= $title ?></h4>
                        </div>
                        <div class="md:col-span-7 flex items-start gap-4">
                            <i class="<?= $icon ?> text-xl text-soft group-hover:text-brandOrange transition-colors flex-shrink-0 mt-0.5 hidden md:block"></i>
                            <p class="text-soft text-[16px] leading-relaxed max-w-xl group-hover:text-dark transition-colors duration-300"><?= $desc ?></p>
                        </div>
                    </div>
                <?php endforeach; ?>
            </div>
        </div>
    </section>

    <!-- USE CASES -->
    <section class="py-24 px-[5%] bg-[#f3f3f3]" id="use-cases">
        <div class="max-w-[1200px] mx-auto">
            <div class="text-center mb-16" data-aos="fade-up">
                <span class="font-mono text-[11px] font-bold tracking-[0.4em] text-brandOrange uppercase block mb-3">{04} Proven Use Cases</span>
                <h2 class="text-4xl md:text-5xl font-[400] tracking-tighter text-dark leading-[1.1]">
                    Built for every <span class="italic font-serif text-electric">fintech model.</span>
                </h2>
                <p class="text-soft text-lg mt-4 max-w-xl mx-auto">Whether you're building a wallet, issuing cards, or digitising a bank — the infrastructure adapts to your model.</p>
            </div>

            <div class="mx-auto">
                <div class="space-y-24 md:space-y-32">
                    <?php
                    $usecases = [
                        [
                            'tag'      => 'Fintech Startup',
                            'title'    => 'Go from idea to compliant MVP in <span class="italic font-serif">8 weeks.</span>',
                            'desc'     => 'Pre-built KYC, ledger, and payment APIs reduce engineering cost by 70%. Launch with a compliance-ready stack, developer sandbox, and white-label onboarding — no infrastructure hiring required.',
                            'features' => ["Embedded compliance", "White-label onboarding", "Developer sandbox"],
                            'accent'   => 'brandOrange',
                        ],
                        [
                            'tag'      => 'Bank Digital Layers',
                            'title'    => 'Add neobank features without rip-and-replace <span class="italic font-serif">migrations.</span>',
                            'desc'     => 'Extend core banking with digital wallets, BNPL, or real-time push payments. ISO 8583 and REST bridges connect directly to your existing core — new capabilities without legacy disruption.',
                            'features' => ["Core banking adapter", "Real-time push payments", "Fraud orchestration"],
                            'accent'   => 'electric',
                        ],
                        [
                            'tag'      => 'Wallet App Rails',
                            'title'    => 'P2P transfers, bill payments, and merchant checkout — <span class="italic font-serif">all in one API.</span>',
                            'desc'     => 'Handle 10,000+ TPS with virtual account issuance, QR code payments, and recurring billing. Settlement automation removes the daily reconciliation burden from your operations team.',
                            'features' => ["Virtual account issuance", "QR code payments", "Recurring billing"],
                            'accent'   => 'brandOrange',
                        ],
                        [
                            'tag'      => 'Virtual Card Platform',
                            'title'    => 'Issue physical and virtual cards with full <span class="italic font-serif">lifecycle control.</span>',
                            'desc'     => 'Real-time authorisation, 3DS2, spend limits, and merchant controls — all via API. BIN sponsorship and card program management included so you can issue cards without a direct network relationship.',
                            'features' => ["Card lifecycle API", "Spend & merchant controls", "Dispute management"],
                            'accent'   => 'electric',
                        ],
                    ];
                    foreach ($usecases as $item):
                    ?>
                        <div class="relative md:sticky top-28 bg-[#f3f3f3] mb-16 md:mb-0">
                            <div class="grid md:grid-cols-12 gap-12 lg:gap-16 items-center border-t border-zinc-200 pt-16 group">
                                <div class="md:col-span-5" data-aos="fade-up">
                                    <span class="font-mono text-[10px] uppercase tracking-[0.3em] text-<?= $item['accent'] ?> mb-4 block font-bold">// Use Case Focus</span>
                                    <h3 class="text-3xl lg:text-4xl text-royal font-medium tracking-tighter mb-6 leading-[1.15]"><?= $item['title'] ?></h3>
                                    <p class="text-base text-soft leading-relaxed"><?= $item['desc'] ?></p>
                                </div>
                                <div class="md:col-span-7" data-aos="fade-up">
                                    <div class="p-8 md:p-10 bg-white rounded-[32px] border border-zinc-100 shadow-[0_24px_48px_-12px_rgba(8,31,92,0.04)] relative overflow-hidden group-hover:border-zinc-200 transition-all duration-500">
                                        <div class="absolute top-0 left-0 right-0 h-1.5 bg-zinc-100 group-hover:bg-<?= $item['accent'] ?> transition-colors duration-500"></div>
                                        <span class="font-mono text-[10px] uppercase tracking-widest text-<?= $item['accent'] ?> font-bold block mb-6"><?= $item['tag'] ?></span>
                                        <div class="grid grid-cols-1 sm:grid-cols-3 gap-3">
                                            <?php foreach ($item['features'] as $f): ?>
                                                <div class="p-4 bg-[#F8F9FA] rounded-[16px] border border-zinc-100 text-center flex items-center justify-center min-h-[64px] hover:-translate-y-1 transition-transform duration-300">
                                                    <span class="text-xs font-semibold text-royal leading-tight tracking-tight"><?= $f ?></span>
                                                </div>
                                            <?php endforeach; ?>
                                        </div>
                                    </div>
                                </div>
                            </div>
                        </div>
                    <?php endforeach; ?>
                </div>
            </div>
        </div>
    </section>

    <!-- ROI SECTION -->
    <section class="py-24 px-[5%] bg-white overflow-hidden" id="roi">
        <div class="max-w-[1200px] mx-auto">
            <div class="grid lg:grid-cols-2 gap-16 items-center">
                <div data-aos="fade-right">
                    <span class="font-mono text-[11px] font-bold tracking-[0.3em] text-brandOrange uppercase block mb-6">{05} Quantified ROI</span>
                    <h2 class="text-4xl md:text-5xl font-[400] tracking-tighter text-royal leading-[1.1] mb-6">
                        The infrastructure math: <span class="italic font-serif text-electric">build vs. subscribe.</span>
                    </h2>
                    <p class="text-soft text-base leading-relaxed mb-6 max-w-md">For a fintech processing $50M/year, Nesvra infrastructure saves $820K annually in compliance headcount, vendor fees, and engineering maintenance. ROI positive within 4 months.</p>
                    <div class="bg-[#F8F9FA] rounded-[24px] p-5 border-l-4 border-electric">
                        <p class="font-mono text-[10px] uppercase tracking-widest text-brandOrange font-semibold mb-1">Long-Term Advantage</p>
                        <p class="text-dark text-sm leading-relaxed">Annual billing saves 20%. Ask about yearly commitment discounts for enterprise clients with predictable volume.</p>
                    </div>
                </div>

                <div class="grid grid-cols-2 gap-4" data-aos="fade-left" data-aos-delay="200">
                    <?php
                    $roi = [
                        ["$2.4M",     "Average in-house build cost (18 months)",    "ri-money-dollar-circle-line",   false],
                        ["10–12 wks", "Time to launch with Nesvra",                 "ri-rocket-line",                true],
                        ["−78%",      "Lower operational cost vs. vendor patchwork", "ri-arrow-down-circle-line",     false],
                        ["$1.9M",     "Savings in the first 24 months",             "ri-coins-line",                 true],
                    ];
                    foreach ($roi as $i => [$val, $label, $icon, $highlight]):
                    ?>
                        <div class="p-6 <?= $highlight ? 'bg-royal text-white' : 'bg-[#F8F9FA] border border-zinc-100' ?> rounded-[24px] flex flex-col gap-3 group hover:scale-[1.02] transition-all duration-300" data-aos="fade-up" data-aos-delay="<?= $i * 60 ?>">
                            <i class="<?= $icon ?> text-2xl <?= $highlight ? 'text-brandOrange' : 'text-soft group-hover:text-royal' ?> transition-colors"></i>
                            <div>
                                <span class="text-2xl md:text-3xl font-semibold <?= $highlight ? 'text-brandOrange' : 'text-royal' ?> tracking-tighter block"><?= $val ?></span>
                                <p class="text-[11px] font-mono uppercase tracking-widest <?= $highlight ? 'text-white/60' : 'text-soft' ?> mt-1 leading-relaxed"><?= $label ?></p>
                            </div>
                        </div>
                    <?php endforeach; ?>
                </div>
            </div>
        </div>
    </section>

    <!-- COMPLIANCE & DEVEX -->
    <section class="py-24 px-[5%] bg-[#f3f3f3]" id="compliance">
        <div class="max-w-[1200px] mx-auto">
            <div class="text-center mb-16" data-aos="fade-up">
                <span class="font-mono text-[11px] font-bold tracking-[0.4em] text-brandOrange uppercase block mb-3">{06} Compliance & Developer Experience</span>
                <h2 class="text-4xl md:text-5xl font-[400] tracking-tighter text-dark leading-[1.1]">
                    Built for regulators <span class="italic font-serif text-royal">and engineers.</span>
                </h2>
            </div>
            <div class="grid grid-cols-1 md:grid-cols-3 gap-6">
                <?php
                $compliance = [
                    [
                        "ri-award-line",
                        "Compliance Framework",
                        "PCI DSS Level 1, SOC 2 Type II, ISO 27001, GDPR, CCPA. Local licences (EMI, MTLs) supported across US, EU, UK, and African markets.",
                    ],
                    [
                        "ri-server-line",
                        "99.99% Uptime SLA",
                        "Multi-AZ infrastructure, active-active failover, and financial penalties for downtime incidents. Enterprise plans include dedicated on-prem or private cloud deployment.",
                    ],
                    [
                        "ri-code-s-slash-line",
                        "Developer Experience",
                        "Postman collections, SDKs for Node.js, Python, and Java. Webhook playground, sandbox environment within 24h, and dedicated solutions architect for enterprise teams.",
                    ],
                ];
                foreach ($compliance as $i => [$icon, $title, $desc]):
                ?>
                    <div class="bg-white p-8 rounded-[28px] border border-zinc-100 flex flex-col gap-5 group hover:border-royal/20 hover:shadow-lg hover:shadow-royal/5 transition-all duration-400" data-aos="fade-up" data-aos-delay="<?= $i * 100 ?>">
                        <i class="<?= $icon ?> text-3xl text-soft group-hover:text-electric transition-colors"></i>
                        <div>
                            <h3 class="text-xl font-medium text-royal tracking-tight mb-3"><?= $title ?></h3>
                            <p class="text-soft text-sm leading-relaxed"><?= $desc ?></p>
                        </div>
                    </div>
                <?php endforeach; ?>
            </div>
        </div>
    </section>

    <!-- TESTIMONIAL -->
    <section class="py-24 px-[5%] bg-white" id="testimonial">
        <div class="max-w-[900px] mx-auto text-center" data-aos="fade-up">
            <span class="font-mono text-[11px] font-bold tracking-[0.4em] text-brandOrange uppercase block mb-8">{07} Client Feedback</span>
            <blockquote>
                <p class="text-2xl md:text-3xl font-[400] tracking-tighter text-dark leading-[1.3] italic font-serif mb-8">
                    "Nesvra's fintech infrastructure gave us production-ready KYC, card issuing, and a ledger in 10 weeks. We would have spent at least 18 months building in-house. The compliance framework alone saved us from regulatory delays that would have killed our seed round."
                </p>
                <cite class="not-italic">
                    <span class="font-semibold text-royal">Amira O., CTO @ MoniCard</span>
                    <span class="block font-mono text-[10px] uppercase tracking-widest text-soft mt-2">Digital wallet · 450,000 active users</span>
                </cite>
            </blockquote>
            <div class="flex items-center justify-center gap-1 mt-6">
                <?php for ($i = 0; $i < 5; $i++): ?>
                    <i class="ri-star-fill text-brandOrange text-lg"></i>
                <?php endfor; ?>
                <span class="font-mono text-[10px] uppercase tracking-widest text-soft ml-2">4.9/5 from 62 fintech clients</span>
            </div>
        </div>
    </section>

    <!-- PRICING -->
    <section class="py-24 px-[5%] bg-[#f3f3f3] overflow-hidden" id="pricing">
        <div class="max-w-[1200px] mx-auto">
            <div class="text-center mb-16" data-aos="fade-up">
                <span class="font-mono text-[11px] font-bold tracking-[0.4em] text-brandOrange uppercase block mb-3">{08} Pricing</span>
                <h2 class="text-4xl md:text-5xl font-[400] tracking-tighter text-dark leading-[1.1]">
                    Infrastructure-as-a-Service. <span class="italic font-serif text-royal">Pay as you grow.</span>
                </h2>
                <p class="text-soft text-lg mt-4 max-w-xl mx-auto">Predictable monthly pricing. No hidden fees, no per-transaction surprises. Annual billing saves 20%.</p>
            </div>

            <div class="grid grid-cols-1 md:grid-cols-3 gap-6 items-stretch">
                <?php
                $plans = [
                    [
                        "title"     => "Starter",
                        "price"     => "$2,499",
                        "period"    => "/mo",
                        "save"      => "Billed monthly · sandbox access",
                        "popular"   => false,
                        "highlight" => "Early-stage fintechs & MVPs",
                        "btn"       => "Start Free Trial",
                        "features"  => [
                            "Sandbox + core banking APIs",
                            "KYC basics (document verification)",
                            "10,000 API calls / month",
                            "Payment processing layer",
                            "Email support + docs",
                        ],
                    ],
                    [
                        "title"     => "Growth",
                        "price"     => "$4,999",
                        "period"    => "/mo",
                        "save"      => "$4,499/mo billed annually (save $6,000)",
                        "popular"   => true,
                        "highlight" => "Scaling fintechs & card issuers",
                        "btn"       => "Book a Demo",
                        "features"  => [
                            "Full ledger + card issuing",
                            "AML engine + transaction monitoring",
                            "100,000 API calls / month",
                            "FX rate management",
                            "Compliance reporting suite",
                            "24h critical issue SLA",
                        ],
                    ],
                    [
                        "title"     => "Enterprise",
                        "price"     => "Custom",
                        "period"    => "",
                        "save"      => "Custom contract & SLAs",
                        "popular"   => false,
                        "highlight" => "Banks, licensed fintechs & institutions",
                        "btn"       => "Contact Sales",
                        "features"  => [
                            "Dedicated environment (on-prem / private cloud)",
                            "99.99% uptime SLA + financial penalties",
                            "1B+ API calls, dedicated architect",
                            "Dedicated compliance officer",
                            "Full regulatory filing support",
                        ],
                    ],
                ];
                foreach ($plans as $plan):
                    $isPopular = $plan['popular'];
                ?>
                    <div class="flex flex-col <?= $isPopular ? 'bg-white border-2 border-royal shadow-2xl shadow-royal/10 scale-[1.02] z-10' : 'bg-white border border-zinc-100 hover:border-royal/20' ?> rounded-[32px] p-8 transition-all duration-500 relative overflow-hidden" data-aos="fade-up">
                        <?php if ($isPopular): ?>
                            <div class="absolute top-0 right-0 bg-brandOrange text-white px-5 py-1.5 rounded-bl-2xl font-mono text-[9px] uppercase tracking-widest font-bold">Most Popular</div>
                        <?php endif; ?>
                        <div class="mb-6">
                            <h3 class="text-xl font-semibold text-royal tracking-tight mb-1"><?= $plan['title'] ?></h3>
                            <div class="flex items-baseline gap-1 mt-3">
                                <span class="text-4xl font-semibold text-dark tracking-tighter"><?= $plan['price'] ?></span>
                                <span class="text-sm text-soft"><?= $plan['period'] ?></span>
                            </div>
                            <p class="font-mono text-[10px] uppercase tracking-widest text-electric mt-2"><?= $plan['save'] ?></p>
                        </div>
                        <ul class="flex flex-col gap-3 mb-8 flex-grow">
                            <?php foreach ($plan['features'] as $f): ?>
                                <li class="flex items-start gap-3 text-sm text-soft">
                                    <span class="text-electric mt-0.5 flex-shrink-0">✓</span>
                                    <?= $f ?>
                                </li>
                            <?php endforeach; ?>
                        </ul>
                        <div class="border-t border-zinc-100 pt-6">
                            <a href="/get-demo"
                                class="w-full py-4 rounded-full text-center block text-xs font-bold uppercase tracking-widest transition-all <?= $isPopular ? 'bg-royal text-white hover:bg-electric' : 'border border-royal text-royal hover:bg-royal hover:text-white' ?>">
                                <?= $plan['btn'] ?> →
                            </a>
                            <p class="text-center text-[10px] font-mono text-soft uppercase tracking-widest mt-3"><?= $plan['highlight'] ?></p>
                        </div>
                    </div>
                <?php endforeach; ?>
            </div>
        </div>
    </section>

    <!-- FAQ -->
    <section class="py-24 px-[5%] bg-white" id="faq">
        <div class="max-w-[1100px] mx-auto">
            <div class="text-center mb-16" data-aos="fade-up">
                <span class="font-mono text-[11px] font-bold tracking-[0.4em] text-brandOrange uppercase block mb-3">{09} FAQ</span>
                <h2 class="text-4xl md:text-5xl font-[400] tracking-tighter text-dark leading-[1.1]">
                    Answers for <span class="italic font-serif text-royal">technical buyers.</span>
                </h2>
            </div>
            <div class="grid md:grid-cols-2 gap-4">
                <?php
                $faqs = [
                    ["ri-timer-2-line",          "What's the integration timeline for a typical wallet?",         "Sandbox access within 24 hours. Most teams integrate core APIs in 2–4 weeks. Production certification (PCI/compliance) takes an additional 2–4 weeks depending on scope."],
                    ["ri-bank-card-line",         "Do you provide BIN sponsorship and card issuing?",              "Yes — we have direct partnerships with Visa, Mastercard, and multiple issuing banks globally. We manage BIN sponsorship, card personalisation, and tokenisation."],
                    ["ri-user-check-line",        "How does the KYC/AML workflow work?",                          "Pre-built identity verification (document + biometric), watchlist screening, ongoing monitoring, and case management. Configurable rules and automated SAR filing included."],
                    ["ri-server-line",            "Can we deploy on our own cloud or on-prem?",                   "Yes. Enterprise plans support AWS, Azure, and GCP with VPC peering, or fully on-prem for regulated entities with strict data residency requirements."],
                    ["ri-money-dollar-circle-line","What about transaction fees and overages?",                    "Fixed monthly subscription includes 100K API calls (Growth plan). Additional volume at $0.005 per API call. No hidden interchange — card costs are passed through transparently."],
                    ["ri-bitcoin-line",           "Do you support crypto and stablecoin on-ramps?",               "Yes, via the FX & settlement layer — off-ramp to USD/EUR, on-ramp from stablecoins, with integrated compliance and reporting."],
                    ["ri-customer-service-2-line","What support is included?",                                    "Slack channel + ticketing system. 24/7 for P1 incidents. Enterprise includes dedicated solutions architect and a 15-minute SLA for critical issues."],
                    ["ri-global-line",            "How do you handle EU and US data residency?",                  "We support region-specific deployments across EU, US, and Asia. Data stays in your chosen region. GDPR-compliant by design — data residency obligations met from day one."],
                ];
                foreach ($faqs as [$icon, $q, $a]):
                ?>
                    <div class="group relative p-8 rounded-[24px] bg-[#F8F9FA] border border-zinc-100 transition-all duration-500 hover:bg-royal hover:shadow-xl hover:shadow-royal/10 overflow-hidden cursor-pointer">
                        <div class="relative z-10">
                            <div class="flex items-start gap-4 mb-2">
                                <i class="<?= $icon ?> text-royal group-hover:text-brandOrange transition-colors mt-0.5 flex-shrink-0"></i>
                                <h3 class="text-base font-semibold text-royal group-hover:text-white transition-colors duration-300 pr-6 tracking-tight"><?= $q ?></h3>
                            </div>
                            <div class="max-h-0 opacity-0 group-hover:max-h-[200px] group-hover:opacity-100 transition-all duration-500 ease-in-out overflow-hidden pl-8">
                                <p class="pt-2 text-zinc-500 group-hover:text-white/70 text-sm leading-relaxed"><?= $a ?></p>
                            </div>
                        </div>
                        <div class="absolute top-8 right-8">
                            <div class="w-6 h-6 rounded-full border border-zinc-200 group-hover:border-white/20 flex items-center justify-center transition-all">
                                <i class="ri-add-line text-xs text-royal group-hover:text-white group-hover:rotate-45 transition-all"></i>
                            </div>
                        </div>
                    </div>
                <?php endforeach; ?>
            </div>
        </div>
    </section>

    <!-- FINAL CTA -->
    <section class="py-20 px-[5%] bg-white overflow-hidden">
        <div class="max-w-[1200px] mx-auto">
            <div class="relative w-full md:h-[500px] rounded-[40px] overflow-hidden flex items-center justify-center group">
                <div class="absolute inset-0 z-0">
                    <img src="https://images.unsplash.com/photo-1551288049-bebda4e38f71?q=80&w=1200&auto=format&fit=crop"
                        alt="Fintech Infrastructure CTA"
                        class="w-full h-full object-cover group-hover:scale-105 transition-transform duration-1000">
                    <div class="absolute inset-0 bg-gradient-to-b from-black/60 via-black/50 to-black/70"></div>
                </div>
                <div class="relative z-10 w-full px-8 py-16 md:py-0 text-center">
                    <div class="max-w-[800px] mx-auto" data-aos="zoom-in">
                        <span class="font-mono text-[11px] uppercase tracking-[0.4em] text-brandOrange block mb-4">Ready to launch your fintech?</span>
                        <h2 class="text-4xl md:text-6xl font-[400] tracking-tighter text-white leading-tight mb-4">
                            From concept to <span class="italic font-serif text-brandOrange">production.</span>
                        </h2>
                        <p class="text-white/80 text-lg mb-8 max-w-[600px] mx-auto leading-relaxed">
                            Talk to our infrastructure architects. Get a custom deployment roadmap and sandbox credentials within 24 hours.
                        </p>
                        <div class="flex flex-col sm:flex-row items-center justify-center gap-4">
                            <a href="/get-demo" class="w-full sm:w-auto px-10 py-5 bg-white text-royal rounded-full font-bold text-xs uppercase tracking-widest hover:bg-brandOrange hover:text-white transition-all shadow-xl">
                                Book Free Strategy Call →
                            </a>
                            <a href="#pricing" class="w-full sm:w-auto px-10 py-5 bg-brandOrange text-white rounded-full font-bold text-xs uppercase tracking-widest hover:bg-white hover:text-royal transition-all shadow-xl">
                                View Pricing
                            </a>
                        </div>
                    </div>
                </div>
                <div class="absolute top-10 right-10 w-32 h-32 bg-electric/20 rounded-full blur-3xl pointer-events-none"></div>
                <div class="absolute -bottom-10 -left-10 w-48 h-48 bg-brandOrange/20 rounded-full blur-3xl pointer-events-none"></div>
            </div>
        </div>
    </section>

    <?php include 'components/Scroll-to-top.php'; ?>
    <?php include 'components/footer.php'; ?>

</body>
</html>
