Fintech
Financial software where every cent is accounted for and every action leaves a trace.
Customer apps, ledgers, payment integrations and operations tooling for fintech products, built with regulation-aware engineering.
What makes fintech software different
Money must reconcile
Balances, fees and provider reports have to agree exactly, which rules out floating-point shortcuts and mutable history.
Many external dependencies
Banks, card processors, identity-check vendors and data providers each fail in their own ways.
Operations need control
Support and finance teams need tools to review, approve and correct without direct database access.
Change is constrained
Audit expectations and partner requirements mean releases and data changes must be traceable.
Technical considerations we plan for
Integer money and explicit currency
Amounts stored in minor units with an ISO currency, with documented rounding rules.
Append-only ledger design
Corrections are new entries, so history is never rewritten and balances can be rebuilt.
Idempotent payment flows
Retries and duplicate webhooks cannot create double postings.
Onboarding and verification flows
Document collection and status handling around third-party identity-check providers.
Reconciliation tooling
Automated matching against provider files, with a queue for exceptions.
Audit trails and access control
Staff actions are permissioned and recorded with who, what and when.
Systems fintech products typically connect to
- Payment processorsCards, wallets and bank rails.
- Banking and open-banking APIsAccount data and payment initiation, where available.
- Identity verification vendorsDocument and liveness checks.
- Accounting and ERP systemsJournal entries and invoices.
- Notification providersEmail, SMS and push for transactional messages.
How we approach a fintech build
Map money flows
Who holds funds, when, and which party is responsible at each step.
Define states and failures
Payment, transfer and onboarding states are modelled with their failure modes.
Build the ledger and core flow
The money-moving path is built and tested first, against provider sandboxes.
Add operations tooling
Review queues, approvals and reconciliation arrive before launch.
Engineering practices, not certifications
Role-based access and audit logs
Sensitive actions are limited by role and recorded in an audit log.
Secrets and key handling
Credentials live in a secret store, are scoped per integration and can be rotated.
Backups and restore tests
Data is backed up and restoration is rehearsed.
Typical timeline for a fintech MVP
Typical durations for this kind of work. Real timing depends on scope, integrations and how quickly decisions are made. Partner onboarding can add time outside our control.
Discovery and flow mapping
2 to 4 weeks
Money flows, partners, states and scope.
Core build
10 to 20 weeks
Ledger, key flows, integrations and operations tools.
Pilot
3 to 6 weeks
Limited release with monitoring and reconciliation.
Fintech questions
Do you handle regulatory compliance?
We build with regulation-aware engineering. Which rules apply to your product and market must be confirmed with your own legal and compliance advisers. We can build the controls and records your advisers specify, but we do not provide legal advice or certification.
Will you store card data?
We design checkout and card capture so card details go directly to the payment provider rather than your servers. Your exact obligations depend on your setup and should be confirmed with your provider.
Can you integrate with our bank or processor?
Usually, if they offer an API or file exchange. Their onboarding and sandbox access often determine the schedule, so we raise those dependencies early.
Relevant services
- SaaS developmentFrom MVP to scalable SaaS: multi-tenancy, subscription billing, teams and roles, usage analytics and the architecture to grow without a rewrite.
- API integrationsReliable integrations between CRMs, ERPs, payments, ads and internal systems with retries, idempotency, monitoring and clear error handling.
- Mobile app developmentReact Native, iOS and Android apps with offline workflows, Bluetooth and hardware integration, push notifications, payments and scalable backends.
- Admin panel developmentFast operational dashboards, admin panels, back-office tools, moderation queues and approval workflows designed around how your team really works.
Building a financial product?
Tell us how money moves through it and which partners are involved.
Tell us about your fintech product
What does it do, which partners or providers are involved and which markets will it serve?