Fintech & Banking
Online banking, payments and wallets
We build fintech products with top-tier security: online banking, payment systems, acquiring, wallets and processing. Realtime transactions, PCI DSS compliance and passing regulator audits.
In fintech the cost of a mistake is different: behind the screen sit other people’s money and a regulator’s requirements. Products like this are designed from security and auditability outward, not from the interface in. We build online banking, payment systems, wallets and processing — with customer verification, encryption and an architecture that holds at peak.
Who it’s for
Banks and financial institutions
Online and mobile banking, customer accounts, anti-fraud and reporting for the regulator.
Payment services
Acquiring, wallets, transfers, splits and payouts that reconcile to the cent.
Products that now handle money
Marketplaces and platforms that need to take payment, hold a fee and settle with partners.
What’s included
Online banking and wallets
Accounts, cards, transfers and realtime transaction history.
Payment systems and acquiring
Payment capture, splits, payouts and reconciliation.
KYC / AML and compliance
Verification, anti-fraud and regulator compliance.
Processing and high load
Thousands of transactions per second, fault tolerance.
How we work
- 01
Discovery and risk
We study the product, the regulator’s requirements and abuse scenarios, then design the data model and boundaries of responsibility.
You getArchitecture, threat model, estimate
- 02
Design
We design interfaces where complex operations stay clear: confirmations, limits, payment statuses and errors that don’t cause panic.
You getMockups of the key operations
- 03
Engineering
We build the core with logging and tracing of every operation from day one, and cover each payment scenario with automated tests.
You getA working core on a staging environment
- 04
Verification and launch
We run load and security testing, help you pass audit and certification, and roll out in stages.
You getThe system live, under monitoring
- 05
Operations
We stand by under SLA, watch anti-fraud and queues, and evolve the product without stopping operations.
You getRound-the-clock monitoring
Timeline and cost
An enterprise-grade fintech system starts at $130,000. The regulator’s requirements, the number of payment providers, the depth of anti-fraud and the expected load all move the number.
Build an estimate in the calculator →How we do it
We design a secure architecture, build in auditing and tracing from day one, and run load and security testing. We help you pass certification and the regulator’s audit.
Technology
Products of this class
Reference points so you know what we mean — not our work. Yours is built around your processes and brand.
What you get
- 01
A core that holds under peak load
- 02
Passing the audit on the first attempt
- 03
Bank-grade security and data protection
Frequently asked questions
How much does fintech development cost?
An online bank or payment platform starts at $130,000 and takes six months or more. The base includes authentication with roles, payment collection, customer verification, data encryption, an admin panel and automated tests — a financial product does not launch without them.
Do you work to PCI DSS and KYC/AML requirements?
Yes. We design the architecture so card data avoids your servers wherever possible and every operation is logged for audit. Verification and anti-fraud go in at the core stage, not “later”.
What load will the system handle?
We design with an order of magnitude of headroom over the expected peak and prove it with load testing before launch. The architecture scales horizontally: growth adds nodes rather than rewriting the core.
Who owns the code and the data?
You do — on payment you receive the sources, the infrastructure and full rights. We sign an NDA before discussing details and can work inside your own environment if your security policy requires it.
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Let’s talk about your project?
Describe your task — within 24 hours we’ll come back with an estimate, timeline and plan.