Fintech software development,
built for regulated finance

Most fintech builds we scope land between $60,000 for a tightly scoped MVP and $500,000+ for a regulated platform with several integrations. The real drivers are payment-rail and banking integrations, KYC/AML vendor coverage, PCI DSS scope, and how much admin and reporting tooling the product needs. We return a fixed-fee estimate after a short discovery, so you see the number before any code is written.

We engineer to PCI DSS v4.0, SOC 2, ISO/IEC 27001, and the OWASP Top 10: encryption in transit and at rest, role-based access control, append-only audit logs, secrets management, and dependency scanning are part of the default scaffold. To be precise about wording — we build the controls and the evidence trail; formal certification of your product stays with your assessors, and we work alongside them.

A fintech MVP usually reaches its first production release in three to five months; a regulated platform with multiple integrations runs longer. We work in two-week sprints with weekly demos, so usable functionality lands in your environment within the first month, and compliance scoping happens in parallel with the build rather than after it.

Yes. PCI DSS scoping, PSD2 strong customer authentication and open-banking flows, and KYC/AML pipelines with sanctions screening are part of how we deliver fintech work. Chaindoc, an e-signature platform we engineered, runs identity verification and payment collection in one regulated flow. We provide engineering evidence and remediation cycles for your auditors, which is what actually makes assessments move faster.

Yes — integrations are most of the job in fintech. Stripe Connect runs in production on Chaindoc, and Swissy's fiat on-ramp selects payment providers per the user's location and currency. We build adapters around gateway, banking, and open-banking APIs, and when a partner only exposes legacy interfaces we wrap them rather than asking you to switch vendors.

Our default fintech stack is Next.js, React Native, and TypeScript on the front end; Node.js and Python services behind them; PostgreSQL and Redis for data; and AWS or GCP with Terraform for infrastructure. Observability comes standard. Stack choices follow your product and team, not engineer preference — banking integrations sometimes dictate parts of it.

Yes — it is one of the deepest parts of our portfolio. Swissy is a non-custodial wallet with secure-enclave key storage and social recovery, rated above 4.6 stars with 89% onboarding completion. All Crypto Mechanics pairs an exchange with a hardware wallet, a debit card, and margin trading. For token engineering and DeFi protocol work, see our blockchain practice.

Yes. Post-launch plans cover monitoring and on-call, security patching, dependency upgrades, performance tuning, and regulatory change tracking as PSD3, DORA, and MiCA take shape. We recommend keeping the building team on for at least the first months after release — that window is where audits, bank reviews, and real-traffic surprises concentrate.