Payments, digital banking, lending, trading platforms, and wallets — custom fintech software from senior engineers who have shipped to production in finance, with PCI DSS, PSD2, and KYC workflows designed in from the first sprint.
Idealogic is a fintech software development company with production systems across the stack: a neobank (Fese), a mobile bank (C-Bank), a trading app (Glue), a crypto-finance ecosystem (ACM), a non-custodial wallet (Swissy), and a KYC-heavy e-signature platform (Chaindoc). Most fintech delays are compliance surprises discovered late — so we invert the order: PCI DSS scope, KYC and AML coverage, and audit-trail design are settled at discovery, before production code, by the same senior teams behind our custom software development practice.
Six areas where we have shipped financial software to production. Custom fintech software development scoped to how money actually moves through your product — not to a feature checklist.
Payment gateway development and the unglamorous machinery around it: authorization, payouts, reconciliation, disputes. On Chaindoc we wired Stripe Connect so agreements, identity checks, and payment collection close in a single flow.
Banking software development from internet-banking portals to full neobanks. Fese runs accounts, loan applications, and budgeting in one product; C-Bank turned a mobile banking app into 40% MAU growth after launch.
Loan origination, decisioning, and servicing with underwriting a risk officer can actually audit. Risk rules live in configuration, not in code — a new credit product becomes a policy change instead of a rebuild.
Trading platform development where latency is a UX feature: live market data, order flows that hold under load, wealth dashboards. Glue pairs crypto trading with gold as the base asset — real-time stats, supply-and-borrow, one-click position switches.
Digital wallet app development that takes key management seriously. Swissy keeps keys inside the device's secure enclave with social recovery on top; ACM pairs its exchange with a hardware wallet and a debit card.
Insurance software development across quote-and-bind, policy administration, and claims automation — including parametric products, where the contract logic is the product and ambiguity is the expensive part.
Not concept work: banking, trading, and crypto platforms that real users move money through.
An eco-positioned neobank and digital banking platform that puts accounts, loans, financial advice, and budgeting in one app, designed and built end to end for a younger audience that never visits a branch.
Mobile banking app development for an all-in-one bank with instant payments, loan access, and transaction reporting, designed for a wide demographic. Downloads grew 30% in the launch quarter and monthly active users 40%.
A mobile crypto trading platform where crypto trades against gold as the base asset — real-time dashboards, supply and borrow, and transparent fees, built for trust in a saturated market.
An integrated crypto trading platform that puts trading, hardware-wallet custody, a debit card, fiat on- and off-ramps, and an education academy under one account.
Financial software is judged by its audit trail. We design data layers, access controls, and evidence collection around the regulations your product answers to — into the architecture, not bolted on before an assessment.
Cardholder-data scope mapped at discovery, so segmentation, tokenization, and logging decisions are architectural — not retrofits during an assessment window.
Strong customer authentication and open-banking flows designed into onboarding and payments, with exemption logic where the regulation allows it.
Controls implemented as engineering defaults — change management, access reviews, monitoring — producing evidence as a side effect of normal delivery.
Information-security management reflected in how environments, secrets, and personnel access are actually run, not just documented.
Data minimization, retention rules, and deletion paths modeled into the schema — the data layer respects them, not a policy PDF.
Identity verification, sanctions screening, and transaction monitoring pipelines tuned for false-positive control, with audit-grade reporting built in.
Three phases that settle regulatory scope and threat models before sprint one — which is what keeps fintech timelines honest.
discovery · regulation
Product surface, payment rails, KYC/AML coverage, and PCI DSS scope mapped into an architecture and a fixed-fee plan.
Compliance-friendly flows and an integration map across banking APIs, card networks, and KYC vendors.
engineer · verify
Senior squads ship in two-week increments with weekly demos, continuous deploys, and feature flags.
Automated regression, contract tests, OWASP-aligned reviews, and external penetration testing before cutover.
ship · observe
Hardened deploy, runbook handover, and evidence packs your assessors can work with.
Observability, on-call, and regulatory tracking as PSD3 and DORA evolve — the platform grows without a rebuild.
From a regulator-ready MVP to squads inside your engineering org. Every model is run by senior engineers and judged on outcomes — fintech consulting included when the call is strategic, not just technical.
End-to-end product delivery — payment rails, KYC, ledger, admin, and customer apps shipped to production by one squad.
Strangler-pattern migrations off monolithic cores onto event-driven services — without interrupting daily money movement.
Hire fintech developers as a long-term squad inside your org — full-stack, SRE, and security, on your CI/CD and incident process.
Readiness sprints toward PCI DSS, SOC 2, and ISO 27001: controls implementation, evidence packaging, and assessor interface.
Cost, timelines, compliance posture, integrations — what teams want settled before a first call.
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.
Engineering write-ups on building financial products — embedded finance, payments, compliance, and the architecture behind regulated systems.
Tell us the product and the regulatory footprint — we come back with a stack, a security posture, and a delivery plan, usually within one working day.