Financial Software That Moves Money Safely.
I've seen one decimal point error cost a client $47,000 in a single weekend. When your application touches money, there's no 'we'll fix it in the next sprint.' We build payment platforms that are bulletproof from day one.
FinTech Development Requires Precision
After building trading systems that process millions in daily volume, I can tell you: the patterns that work for a content website will sink a financial application.
Security is Existential
A single breach can end a fintech company. PCI-DSS, SOC 2, state money transmitter requirements - compliance isn't checkbox exercise, it's survival. Your development partner needs security expertise, not security awareness.
Transaction Integrity
Money can't disappear. Partial transactions, race conditions, and reconciliation failures aren't bugs - they're lawsuits. Financial systems require distributed transaction patterns that most developers have never implemented.
Regulatory Complexity
FinCEN, state regulators, card network rules, banking partner requirements - financial applications face overlapping compliance regimes that change frequently. Architecture must be adaptable.
Performance at Scale
End-of-day processing, market open surges, payroll runs - financial systems face predictable load spikes that can be orders of magnitude above baseline. Scaling strategies must account for these patterns.
Integration Complexity
Banking cores, card networks, payment processors, KYC providers, fraud systems - fintech applications are integration hubs. Each connection has its own quirks, SLAs, and failure modes.
Audit Trail Requirements
Every transaction, every access, every change - financial regulators expect comprehensive audit trails. This must be designed in from the start, not bolted on before an audit.
Built for Financial Compliance
We architect financial applications with regulatory requirements as core constraints, enabling compliance rather than constraining innovation.
PCI-DSS+
Level 1 compliant architecture for card data handling. Tokenization, encryption, network segmentation, and access controls designed for SAQ-D or ROC requirements.
Required for any application that stores, processes, or transmits cardholder data.
SOC 2 Type II+
Security, availability, and processing integrity controls with continuous monitoring. Documentation and evidence collection built into development processes.
Expected by enterprise financial clients and banking partners.
SOX Compliance+
Financial reporting controls, change management documentation, and separation of duties for publicly traded companies or their service providers.
Required for applications affecting financial reporting of public companies.
Bank Secrecy Act / AML+
Transaction monitoring, suspicious activity detection, and reporting infrastructure for anti-money laundering compliance.
Required for money service businesses and banking applications.
State MTL Requirements+
Money transmitter license compliance including surety bonds, reporting requirements, and examination readiness.
Required for applications that move money across state lines.
GDPR / CCPA+
Data privacy compliance for customer financial information including right to deletion, data portability, and consent management.
Privacy regulations apply to financial data with additional sensitivity.
Financial Applications We Build
From payment processing to trading platforms, we build software that handles money with the precision it demands.
Financial software development starts with threat modeling and compliance mapping. We identify every point where money or sensitive data flows, design controls for each, and build monitoring to prove those controls work. Performance architecture comes next - financial systems must handle both steady-state load and predictable spikes. Then we layer business logic on a foundation that's secure, compliant, and scalable.
Payment Processing Platforms
Card processing, ACH, wire transfers, and alternative payment methods. PCI-compliant architecture with tokenization, fraud detection integration, and comprehensive reconciliation.
Trading & Investment Platforms
Real-time market data, order management, portfolio tracking, and execution systems. Built for the latency and reliability requirements of financial markets.
Banking & Neobank Applications
Account management, transaction processing, and banking-as-a-service integration. Designed for banking core connectivity and regulatory compliance.
Lending & Credit Platforms
Loan origination, underwriting workflows, servicing systems, and collections management. Built for decision automation and compliance documentation.
Financial Dashboards & Reporting
Real-time financial analytics, regulatory reporting, and executive dashboards. Aggregation, visualization, and export with proper data governance.
Blockchain & Digital Assets
Cryptocurrency integration, digital asset custody, and blockchain-based financial products. Built with the same security rigor as traditional financial systems.
FinTech Projects We Have Delivered
Enterprise-grade financial applications built with security, compliance, and performance as core requirements.
FinTech Development Process
Security Architecture
Threat modeling, compliance mapping, and security control design before development begins. We identify risks and design mitigations architecturally.
Technical Specification
Detailed system design including data flows, integration points, and failure modes. Financial systems require precision in specification.
Iterative Development
Build with continuous security testing, code review, and compliance validation. Every sprint delivers working, compliant software.
Compliance Validation
Penetration testing, compliance documentation, and audit preparation. We deliver software and the evidence your auditors need.
Common Questions
Everything you need to know about fintech development and working with us.
How do you handle PCI-DSS compliance?+
We design for PCI-DSS from the start - card data tokenization, encryption, network segmentation, and access controls are architectural decisions, not retrofits. We can support SAQ requirements through Level 1 ROC depending on your processing volume and risk profile. We also integrate with PCI-compliant payment processors to minimize your scope where appropriate.
Can you integrate with banking cores and payment processors?+
Yes - we have experience with modern banking-as-a-service providers (Unit, Treasury Prime, Synapse) as well as traditional payment processors (Stripe, Adyen, Worldpay). We handle the integration complexity including error handling, reconciliation, and the inevitable edge cases these systems produce.
How do you ensure transaction integrity?+
Financial systems require idempotency, saga patterns for distributed transactions, and comprehensive reconciliation. We design for eventual consistency where appropriate and strong consistency where money movement demands it. Every transaction is auditable and recoverable.
What about real-time requirements?+
We build for the latency and throughput your use case demands. Trading systems need sub-100ms response times; payment processing needs high throughput with predictable latency. We architect for your specific performance requirements with appropriate technology choices.
How do you handle regulatory changes?+
Financial regulations evolve constantly. We architect for adaptability - configurable rules engines, externalized compliance logic, and documentation that supports regulatory examination. When requirements change, the system adapts without rewrites.
Do you support ongoing compliance maintenance?+
Yes - financial applications require continuous compliance: security patching, penetration testing, audit trail maintenance, and documentation updates. We offer maintenance agreements that include compliance-focused activities alongside standard support.
Ready to Build Your FinTech Platform?
Let's discuss your project requirements, compliance needs, and timeline. We'll provide an honest assessment of how we can help.
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