FinOps for fintech
Most FinOps tools optimize cost. Most compliance tools collect evidence. Fintechs need both — every quarter, on the same dataset, signed and exportable. Lumicost is the only platform where SOC 2 / HIPAA / FedRAMP Low / ISO 27001 evidence comes from the exact same read-only credentials that drive cost optimization, with a tamper-evident append-only audit log streamed straight to your SIEM.
Fintech engineering teams sit at the intersection of two unforgiving pressures: regulators who want every change traced and signed, and CFOs who want cloud spend under control quarter over quarter. Most teams cobble together CloudHealth (cost) + Vanta (compliance) + Splunk (audit) and reconcile them by hand. Lumicost collapses the stack: one read-only connection drives multi-cloud cost optimization, anomaly detection, Kubernetes allocation, and the evidence packages your auditor actually accepts — with a tamper-evident audit log that streams to your SIEM in real time.
SOC 2 (CC1–CC9), HIPAA Security Rule (164.308–164.314), FedRAMP Low (12 NIST 800-53 controls) and ISO 27001:2022 Annex A (12 controls) — all evidence is collected from the same read-only WIF / IAM Role / App Registration that powers cost analysis. One InfoSec review, four frameworks, no parallel data pipelines.
Every action — cost recommendation accepted, commitment registered, SIEM destination changed, SSO connection enabled — is recorded as an append-only AuditEvent with a SHA-256 integrity hash over the core fields. Records are never updated or deleted. Downstream compliance tooling (or your auditor) can verify each row hasn't been altered. No promises — cryptographic verification.
Stream the full audit log to Splunk HEC, Datadog Logs, Sumo Logic, or any HTTP collector. Configure once at /settings/siem; each tenant streams to its own destination. Your SOC team correlates Lumicost events with payment-rail anomalies, IAM changes, and infra alerts in the SIEM you already operate — no separate audit console to babysit.
Per-tenant Auth0 Enterprise Connection — your fintech's IdP (Okta, Azure AD, Google Workspace, OneLogin) is bound to your tenant only, with claimed-domain routing. SCIM 2.0 provisioning + deprovisioning so leavers lose access in minutes, not days. Optional enforcement blocks password login organization-wide — a hard requirement for SOC 2 CC6 and HIPAA §164.308(a)(4).
Reserved Instances, Savings Plans, and CUDs are amortized in source and target cost when scoring multi-cloud migrations — so the savings number you show your CFO matches the number on the bill. Live AWS Pricing API + GCP Cloud Billing API. Workload-level scoring with HIGH/MEDIUM/LOW confidence and explicit risk flags (CROSS_REGION_LATENCY, COMMITMENT_EXPIRES_SOON, SPECIAL_HARDWARE).
Lumicost itself never sees cardholder data — we read cloud configuration metadata and billing data, not application traffic. The connection model is read-only by construction (WIF on GCP, IAM Role on AWS, App Registration on Azure) and we do not store credentials. For PCI DSS, our role is supplier evidence: we contribute to scoping diagrams, IAM access reviews, and audit log retention controls. The platform is currently positioned for SOC 2 + HIPAA + FedRAMP Low + ISO 27001; PCI DSS attestation is not yet on our roadmap, but the technical primitives (audit hash, SIEM streaming, read-only access) align with several PCI requirements.
Every AuditEvent carries a SHA-256 integrity hash computed over its core fields (tenant, user, action, entity, before/after state, metadata, source, timestamp) at write time. Records are append-only — never updated, never deleted by application code. To verify, recompute the hash from the row's fields and compare. If a row was modified after the fact, the hash won't match. This is per-row tamper evidence; for chain-level immutability, stream the events to your SIEM (Splunk/Datadog/Sumo) where they're sealed by your existing retention controls.
Yes. Lumicost runs on Fly.io regions; you can pin your tenant to US-only or EU-only infrastructure. Cloud cost data stays in the region of your Lumicost tenant; it is never replicated cross-region. Customers under stricter residency requirements (e.g. for FedRAMP Low boundary) can deploy in single-region mode with explicit IRP scope. Reach out for the Trust Center package.
Per-tenant SSO SAML + SCIM 2.0 is part of the Enterprise plan, but there is no procurement gate to upgrade — you can self-serve from /settings/sso once you're on the right plan, and the connection is configured against your IdP in minutes (not the multi-week 'sales-engineer-required' dance some legacy vendors run). For fintechs we strongly recommend SSO from day one given how often InfoSec is in the procurement loop.
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