Fintech App Development Company

Industry ranges run from roughly 80,000 dollars for a narrow MVP to several hundred thousand for a full platform. Our own published estimates start at 15,000 dollars for tightly scoped MVP work at a blended rate of 25 to 50 dollars per hour. The main cost driver is the compliance and security surface, so we scope a fixed estimate against your real product.

We treat compliance as an engineering requirement. We build for PCI DSS 4.0 with tokenization so raw card data never sits in your systems, integrate KYC and AML providers such as Onfido and ComplyAdvantage for identity verification and transaction monitoring, and design data protection under GDPR and CCPA with encryption, role based access, and audit logging. We scope which standards apply in the first phase.

We are certified to ISO/IEC 27001:2022 and ISO 9001:2015, and we are GDPR compliant. We build for PCI DSS and HIPAA workloads, meaning we engineer to those requirements and work within a partner or processor environment that carries the formal certification. We do not claim PCI DSS certification ourselves, and we are clear about that distinction.

We integrate the infrastructure your product needs rather than pushing one vendor. Stripe and similar processors for payments and checkout, account aggregation and open banking connections for balances and transactions, banking as a service providers for neobanking front ends, and KYC and AML providers for onboarding. Where a partner bank or processor is chosen, we build to their APIs.

A focused MVP that proves one core flow, such as onboarding with KYC or a single payment path, typically takes a few months. The variable that moves the timeline most is the compliance surface rather than the feature list, which is why we scope regulatory requirements and design controls up front instead of retrofitting them.

Yes. We audit an inherited codebase for security and architecture risk, close the gaps that matter, and stabilize it before adding features. If an early version was built on a no-code or AI assisted stack and hit a wall on control, cost, or compliance, we can secure it, scale it, or migrate the parts that need to move onto a system you own.

We encrypt data in transit and at rest, enforce role based access, and log for audit. We use passwordless and passkey authentication with biometric and multi factor options as the baseline, tokenize card data so it never sits raw in your systems, and integrate transaction monitoring for fraud and AML. Critical actions run through checkpoints so a person stays in control.

Yes. We build for the US open banking landscape, including the CFPB Section 1033 data access rule, and design KYC, AML, and money movement flows to the standards a US product needs. We have shipped a member insurance platform for a US client and work with US partner banks and processors where they are already in place.