Fintech software
that moves at the speed of money
Payment platforms, smart contract systems, multi-rail wallets, and reconciliation engines. We build fintech that settles in real time, survives the audit, and earns the trust of finance teams.
Money doesn't wait for your software to catch up.
We've built, rebuilt, and shipped fintech platforms long enough to know exactly where reconciliation breaks, where the regulator shows up, and where the customer churns. A few of these are probably already in your incident channel.
In fintech, a one-second delay is a churned merchant. A missing audit log is a regulator's headline. A reconciliation break is a finance team working through the weekend. The software underneath money has to be more careful than the regulations require, because every error is measured in customer trust and ledger dollars, not stack traces.
Three realities of fintech software.
The constraints, the products, and the delivery model that make working with us different.
KYC, AML, and the auditor who shows up unannounced.
KYC and AML flows that hold up under regulatory review. PSD2 in Europe, state-by-state licensing in the US, and PCI-DSS for anything that touches a card. SOC 2 controls baked into the codebase, not added at audit time. Audit-grade event logs, immutable transaction records, and key custody that survives a pen test without a follow-up finding.
"They have ensured the timely and impeccable execution of all assigned tasks."
— J. Greenwood, Managing Director & Founding Partner, Law Firm
Verified on ClutchThe full money stack.
Payment platforms with real-time settlement. Smart contract systems that replace manual reconciliation. Multi-token wallets — fiat and stablecoin. KYC and onboarding flows that convert, not stall. Invoice engines. Reconciliation dashboards with sub-second updates. Multi-rail payouts (ACH, SEPA, card, stablecoin, CBDC) with circuit-breaker logic when a rail goes down.
"The developer consistently delivered high-quality code on time and significantly reduced the number of post-release bugs."
— Yevgen Borysenko, CEO, Digis
Verified on ClutchMoney doesn't tolerate a learning curve.
Load-tested for the settlement window at month-end and quarter-close. Security review at every sprint, not at the end. Pen testing scheduled before the auditor, not after. On-call coverage during market events, rate decisions, and stablecoin depegs. We hand you the documentation a regulator will ask for — already organized, already complete, already signed off.
"The PM was on our side for most of the time, but they delivered everything on time, and everyone on their team was responsive."
— Mateusz Piwnicki, CEO, Software Agency
Verified on ClutchYou probably run one of these operations.
Crypto payment and payroll startups
You're building the financial primitives that don't exist yet — smart contract payroll, multi-rail payouts, tokenized treasury. We build the platform, the wallet integrations, and the reconciliation engine that finance teams can actually audit.
Neobanks and embedded finance platforms
You need a customer-facing app, a ledger, a card program, and the KYC pipeline that ties it together. We build the product layer and the back-office systems that scale past the first hundred thousand accounts.
Lending and credit platforms
Underwriting, servicing, collections, and the audit trail that survives a regulator's review. We build the loan lifecycle platform that underwriters actually use and the borrower portal that doesn't make them call support.
B2B treasury and corporate finance tools
Multi-entity consolidation, FX hedging workflows, real-time cash positioning. We build the treasury cockpit that CFOs log into at 7 a.m. and trust to make a $10M decision before lunch.
How we make it happen.
A typical fintech build pulls on the same five capabilities.
Every fintech platform we build is a stack, not a single app. The customer-facing dashboard is a web app. The on-the-go payment experience is mobile apps. The ledger, the reconciliation engine, the multi-rail payout system, and the audit-grade event log live on the server side — web-app engineering. The smart contract logic, the fraud detection models, the underwriting risk scoring are AI & automation. And before any of it ships, we run QA testing on the settlement window at peak, because money doesn't tolerate a flaky test suite.
"Now we can clearly show our users what products we have. The payment system is simple and easy."
— Dave Chiu, Managing Director, Teafolks
Verified on ClutchWhen we're not the right team for the job:
- You need us to act as a money transmitter, hold customer funds, or issue cards under our own license.We're a software vendor, not a regulated financial institution. The money custody, the licensing, and the regulatory perimeter stay on your side. We build the platform you operate under your own license.
- You want us to skip the security review to ship faster.We'll push back. Hardened fintech software is the only kind worth shipping. The week you save by skipping the review is the week the regulator shows up.
- You need a custodial wallet with our keys.We integrate with Fireblocks, BitGo, Anchorage, and other qualified custodians. We don't hold keys. We don't take on the liability that comes with holding keys. We build the software that connects to your custodian.
Real results. Real money.
Fintech platforms we've shipped and the operators who run real money through them.
A smart contract payroll platform that cut processing time by 85%.
A crypto payroll company needed to replace monthly pay cycles with real-time, task-triggered payments. We built the worker dashboard, the multi-token WATT wallet, and the invoice engine. Smart contracts executed payments the moment a shift ended. Payroll processing time fell 85%. Payroll errors dropped 99%. Operating costs fell 20%. HR admin overhead dropped 24%.
Read the full storyWhy build fintech with us?
Real-time settlement, not real-time marketing.
We design for the settlement window at month-end and quarter-close. We load-test at 5x your peak. We build circuit-breakers that catch a failing rail before it cascades. The money keeps moving.
Multi-rail fluency, not rail lock-in.
ACH, SEPA, card, stablecoin, CBDC. We build the abstraction layer that lets you swap rails without rewriting the product. When a rail goes down or a fee changes, your platform adapts in a sprint, not a quarter.
Audit-grade from the first commit.
SOC 2 controls in the codebase, not in a Notion doc. Immutable event logs from day one. Test suites that auditors can run, not screenshots of green checks. We hand you the documentation the regulator will ask for — already organized, already complete.
Fintech buyer questions.
How do you handle KYC and AML?
We integrate with Onfido, Jumio, Persona, Trulioo, and the other tier-one vendors. The KYC pipeline is built into the onboarding flow, not a separate portal. AML screening is automated, with a clear escalation path for manual review. Audit logs capture every KYC decision with reasoning.
Do you custody funds or hold keys?
No. We're a software vendor. We integrate with qualified custodians — Fireblocks, BitGo, Anchorage for crypto; partner banks for fiat. Your licensing, your custody, your liability. We build the software that connects to your custodian and the audit trail that proves it.
How do you handle real-time settlement at peak?
We design for your peak from day one. Settlement pipelines go through load tests that simulate 5x your normal volume. We use event queues, horizontal scaling, and pre-warmed instances. We design circuit-breakers that isolate a failing rail so the rest of the system keeps settling.
What about SOC 2, PCI-DSS, and the regulator?
We engineer to SOC 2 controls from the first commit. We've shipped PCI-DSS-scoped card products. We provide VPATs, audit-ready exports, and the documentation a regulator will ask for. We don't treat compliance as the last sprint — we treat it as the architecture.
Got a fintech product
that needs to settle at the speed of money?
Tell us which rails, which regulators, and where the audit trail starts. We'll figure out the rest.