Fintech app development
A studio service
Built for regulators. Designed for users.
Fintech products built with compliance architecture from the first schema decision — KYC/AML, transaction monitoring, audit trails, and the institutional due diligence posture investors and partners require.
N° 01Why fintech is different
Regulatory first. User second
Fintech products that fail do so in two ways: they fail technically, or they fail regulatory review. A product built without the compliance architecture baked in from the start will be rebuilt before it can scale — at five to ten times the original cost.
We build for the regulatory environment from the first database schema decision. KYC/AML, transaction monitoring, suspicious activity reporting, data residency, and the audit trails that regulators and institutional partners require are designed in, not bolted on.
N° 02Product categories
Fintech products we build
01
Payments
Payment processing, money movement, ledger design, reconciliation, and the webhook architecture that keeps your transaction record accurate under failure conditions.
02
Lending
Loan origination, credit decisioning logic, repayment scheduling, collections workflows, and the regulatory disclosures that vary by jurisdiction.
03
Investment & Wealth
Portfolio management interfaces, trade execution flows, reporting, and the KYC process that regulated investment platforms require.
04
Banking Infrastructure
Core banking module integration, IBAN generation, SEPA and ACH rail integration, and the card programme infrastructure for BaaS platforms.
N° 03Compliance architecture
What regulators actually check
KYC/AML: identity verification (document + biometric), sanctions screening, PEP checks, and the ongoing transaction monitoring that satisfies AML obligations. We integrate with Onfido, Stripe Identity, Jumio, Chainalysis, and custom verification vendors.
Audit trails: immutable records of every financial event — amount, actor, timestamp, counterparty. Queryable and exportable for regulatory response within hours, not days.
Data residency: EU (GDPR) and US data handling, documented. If your regulatory environment requires data to stay in a specific jurisdiction, we architect for it.
Security: SOC 2 Type II preparation support, penetration testing facilitation, and the security documentation that institutional banking partners will request.
N° 04Due diligence
Built to survive investor scrutiny
Fintech fundraising involves technical due diligence at a level other verticals don't. Architecture reviews, data model audits, security assessments, and compliance gap analyses are standard.
We build with this in mind: documented architecture decisions, a clean data model, no shortcuts on compliance, and the codebase hygiene that doesn't embarrass you in a diligence call.
Investment
Fixed scope. No drift.
From $40,000 — compliance-ready fintech build.
- KYC/AML integration with your chosen vendor
- Immutable audit trail included
- Data residency architecture documented
- SOC 2 Type II preparation support
- Security documentation for banking partner onboarding
- Fixed-scope proposal after discovery
- 30-day defect warranty
Questions
The answers we give most often.
- Do you work with regulated financial institutions?
- Yes. We work with startups building on banking licences, embedded finance platforms, and regulated investment platforms. We are familiar with the vendor onboarding requirements of institutional banking partners.
- Can you integrate with Stripe or Plaid?
- Yes — Stripe (payments, Identity, Treasury), Plaid (bank data), Braintree, Adyen, and custom payment rails are all in our integration library. We assess which is appropriate for your regulatory and product context in discovery.
- How do you handle KYC/AML?
- We integrate with your chosen KYC/AML vendor (Onfido, Jumio, Stripe Identity, Chainalysis, or others) and build the workflow, case management, and adverse action flows around it. We don't provide regulatory compliance advice — that's your compliance counsel's role.
- What does a fintech project cost?
- Focused payment or lending MVPs start at $40,000. Full platforms with KYC, transaction monitoring, and multi-rail support start at $80,000. Fixed-scope proposals after discovery.
- Can you help us pass a SOC 2 audit?
- We build to SOC 2 Type II requirements and provide the technical documentation that your auditor will request. We are not a compliance firm — we partner with your auditor and compliance team.
- Do you work with crypto or DeFi products?
- Yes, selectively. Wallet infrastructure, on-chain transaction monitoring, and DeFi interface development are in scope. Regulatory context varies significantly by jurisdiction — we assess this in discovery.
- How do we start?
- Use the contact form with a brief description of the product, the regulatory environment you're operating in, and your timeline. We'll respond within two business days.
Next step
Compliance architecture retrofitted after launch costs ten times more.
Tell us the regulatory environment, the product scope, and the timeline.