Fintech software development
Payments, lending, onboarding, KYC and AML, portfolio and reporting — built to be audited. We work with regulated firms and with the teams building for them, and we design for the review before we design for the launch.
Who this is for
Firms whose product is money movement or money decisions, and who answer to someone for both.
FinTech companies
Payment, lending and wealth products. Onboarding and KYC that pass review, ledgers that reconcile, and reporting an auditor can follow without a spreadsheet.
Crypto and digital assets
Exchanges, wallets and treasury tools. Custody boundaries drawn deliberately, chain data reconciled against your own books, and a clear line between what is signed and what is stored.
Mortgage and credit brokers
Application intake, document collection, affordability checks and lender submission — with the audit trail the file needs when someone asks how the decision was reached.
What we can do in regulated money
Four things that decide whether a financial product survives its first audit.
Onboarding, KYC and AML
Identity, document and liveness checks through providers you choose, with screening and monitoring wired into a case queue rather than an inbox. Every decision keeps the evidence it was made on.
Payments and ledgers that reconcile
Double-entry accounting, idempotent movement, and reconciliation against the provider's own statement. If the two disagree, the system says so on the day rather than at month end.
An audit trail that is not a log file
Who did what, to which record, on whose authority, and what the record looked like before. Immutable, queryable, and exportable — because the review will ask for a period, not a grep.
Reporting and dashboards
Regulatory and management reporting generated from the ledger rather than assembled by hand, so the number in the board pack and the number in the system are the same number.
Designed for the review, not just the launch
In this sector the expensive failures are informational: a balance that does not reconcile, a decision nobody can reconstruct, a report assembled by hand. We build the record first and the interface on top of it.
- Frameworks
- GDPR, PSD2 and SCA, AML and KYC obligations, PCI DSS scope reduction
- Integrations
- Open banking, card acquirers, KYC and screening vendors, core banking
- Data
- Immutable audit trail, double-entry ledger, event history you can replay
- Typical first release
- Onboarding, ledger and reporting in 10–16 weeks
Solutions we build
The systems this sector asks for most. Each one ships as its own increment, so the first release is in use while the next is being built.
- Mobile and web banking clients
- Payment gateways, wallets and payout flows
- Lending and credit decisioning workflows
- KYC, AML screening and case management
- Double-entry ledgers and reconciliation engines
- Broker and adviser portals with document collection
- Trading, portfolio and treasury dashboards
- Regulatory and management reporting
What we build here
All servicesAdvertising
Paid acquisition, campaign build, tracking
Artificial Intelligence
LLM assistants, document AI, scoring and forecasting
Custom Development
Portals, internal tools, workflow systems, integrations
Mobile Development
Mobile development service page
SEO
Technical audit, architecture, content plan, reporting
Video Production
Explainers, product films, campaign cuts, subtitles
Questions this sector asks
The technology. The licence and the regulatory relationship stay yours; we build to the obligations they place on the system and document how each one is met. Where a control belongs in your policies rather than the code, we say so rather than building a screen that pretends otherwise.
Yes. Most of this work is integration, and the sequence matters: we read the provider's specification, build against a sandbox, and reconcile against their statements before anything moves real money.
By keeping it out. Tokenisation at the acquirer, no PAN in your systems, and PCI DSS scope reduced to what actually touches a card. The cheapest compliance is the data you never stored.
We draw the line explicitly at discovery: what your system signs, what a custodian holds, and what is only ever read. Most of the risk in this sector comes from that boundary being implicit, so we write it down before the first sprint.
You do, from a firm you choose — an assessment we arranged for ourselves is worth less to your auditor. We build to the standard, support the test, and fix what it finds as prioritised work rather than as a dispute.
Yes, and it is usually the right answer here. Infrastructure as code in your account, your keys, your logs. We need access while we build it and can hand back a deployment that runs without us.
What would this cost?
Four questions and you have a budget and timeline range. It is a range because the width is the honest measure of what is still unknown.
Which practice fits the work?
Pick the closest one — the estimate adjusts as you add scope.
Choose one
Which practice fits the work?
Order a free consultation
What happens next: