Fintech software development services built on regulated rails.

Often not at the start. Many fintechs launch on regulated partners such as payment processors, banking-as-a-service providers and licensed lenders, which hold the licences while you build the customer experience. Whether you need your own licence depends on your model and countries, so we plan the architecture with your legal and compliance advisers.

We keep raw card data out of your systems by using hosted payment fields and tokenisation from PCI-compliant processors such as Stripe. That usually reduces the scope of your PCI DSS assessment significantly, though you still complete the assessment that applies to you.

Yes. We integrate identity verification, sanctions screening and document checks from specialist KYC providers into your onboarding, with risk rules, case review screens and audit trails for your compliance team.

Yes, through open banking and account aggregation providers such as Plaid in the US or regulated open banking providers in the UK and EU, with user consent and only the data your product needs.

SOC 2 reports are issued to your company by an independent auditor. We build the controls auditors look for, such as access management, audit logs, encryption, change management and monitoring, and support you through readiness, but we don’t issue certifications.

We use a double-entry ledger, store money in integer minor units rather than floating-point numbers, make payment operations idempotent so retries never charge twice, and reconcile daily against processor and bank records.

A partner-based fintech MVP usually takes 14 to 24 weeks, including partner onboarding, security testing and compliance review. Partner approval timelines often set the pace, so we start those conversations in the blueprint.

No. We build the software and design for the requirements your advisers identify. Licensing, regulatory and investment questions should be answered by qualified legal and compliance professionals.