Payment & transaction systems
Processing, ledgers, reconciliation, and settlement flows with tokenization on card data so PCI-DSS scope stays as small as your architecture allows.
We build payment, lending, underwriting, and reconciliation software for FinTech and InsurTech teams. SOC 2 and PCI-DSS patterns, audit trails, and model-risk-ready design built into the architecture, not bolted on after your auditor flags it.
An 11-person embedded team modernized Rakuten's cross-service platform, Rakuten Card and 70+ services, on a unified C# / React architecture with CI/CD and automated testing.
A secure platform for client onboarding, document handling, task assignment, and reviews, replacing manual workflows on an AWS-backed React stack.
A platform unifying borrowers, lenders, and cap providers on complex transactions, role dashboards, real-time pre-trade collaboration, and e-signature.
A senior frontend, backend, DevOps, and security team embedded into a growing fintech and onboarded in under three weeks.
Most offshore shops can stand up a CRUD app. Far fewer can ship software that survives a SOC 2 audit, holds PCI-DSS scope tight, and produces an audit trail a regulator will accept. That gap is invisible in a demo and expensive in production, it first shows up when your security team blocks the launch, or when a dispute lands and nobody can reconstruct what the system actually did.
Financial software has a second tax: every decision may need to be explainable months later, to an auditor, a regulator, or a customer's lawyer. That is an architecture decision, not a logging afterthought. We build it in from the first sprint.
No record a regulator will actually accept.
Card data sprawls across the whole system.
No way to reconstruct a decision after the fact.
Security review blocks the ship.
We are a custom development team, not a product vendor. We build the software your fintech needs and hand it to you to own. The constant across every engagement: compliance, auditability, and security are architecture inputs, not features added at the end.
Processing, ledgers, reconciliation, and settlement flows with tokenization on card data so PCI-DSS scope stays as small as your architecture allows.
Application intake, decisioning workflows, and servicing, with per-decision explainability captured so a model-risk or fair-lending review can reconstruct the call.
Quoting, policy administration, and claims workflows for InsurTech teams, with the audit and access-control layers a regulated product requires.
Identity, verification, and screening pipelines integrated with the vendors you already use, with audit trails on every check.
Web and mobile (React Native and native), built to the security bar a financial product is held to, not a marketing-site bar.
Replatforming software you have outgrown, and integrating cores, payment rails, and data partners without breaking the audit story.
Teams over-pay or over-wait rarely because of the model or the framework, it is coordination overhead and rework when compliance gets discovered late. We use AI across the SDLC so engineering moves faster, and we design the compliance and audit layers up front so they do not trigger a late-stage rebuild.
We sit with your engineering and compliance leads to define the build, the data classifications (PCI scope, PII, regulated decisions), and the control map. You leave Week 1 with a written scope, a timeline bucket, and a shared definition of "production-ready" for your regulatory surface.
A small senior team, typically 3 to 6 engineers, inside your repo, your CI, and your cloud. Audit trails and access controls land alongside features, not after them. Weekly demos against real cases, and QA automation from the start, regression risk in financial software is not optional.
Ship behind a flag, pilot with a limited cohort, widen when the security review is clean and the audit log holds. We map the audit-trail and access-control work to your auditor's evidence rubric, so your SOC 2 or PCI assessment does not start from zero. Code, infra, and docs are yours.
Traditional offshore shops quote 16 to 24 weeks for an MVP. AI-accelerated teams running comparable scope can compress that to 8 to 12 weeks. The full reasoning, with sources, is in our write-up on AI-accelerated custom software development.
Rakuten runs one of the world's largest FinTech ecosystems, Rakuten Card, Bank, Securities, and Pay, alongside 70+ other services. The problem was fragmentation: users hit inconsistent design, broken navigation, and duplicated workflows across services. We embedded an 11-person dedicated team inside Rakuten's engineering organization and modernized the cross-service platform, rebuilding it on a unified C# and React architecture with CI/CD pipelines and automated testing so Rakuten could ship frequently without regression risk. We did not build their bank; we modernized the platform their financial services run across, at a scale that proves the production rigor a fintech build demands.
K2 Business Group was running client onboarding, document handling, task assignment, and performance reviews through manual workflows. We built and embedded a complete product team and shipped a secure digital platform on AWS (Fargate, RDS Postgres, S3, KMS, WAF, API Gateway) with a React front end, accessible across desktop, mobile, and tablet. For a financial-services buyer, the signal is that we ship secure, access-controlled software where client-data handling is the whole point, not an afterthought.
SmartCaps needed to replace the spreadsheets, emails, and disconnected tools its financial teams used to execute complex transactions. We delivered a validated product blueprint in 4 weeks: dedicated dashboards for each user role, real-time collaboration on pre-trade documents, e-signature workflows, structured task management across the cap-execution lifecycle, and advanced financial calculators. The signal for a fintech buyer: we can take a tangled, multi-party financial workflow and turn it into a single coherent platform fast.
ASA Financial, a growing fintech platform, needed to scale engineering without the months-long timelines and cost of traditional hiring. Through a staff-augmentation model, we assembled a custom team of frontend, backend, DevOps, and security engineers (four full-time equivalents) and onboarded them into ASA's existing workflows in under three weeks. They integrated as full team members rather than arms-length contractors. For a fintech CTO weighing hire-versus-augment, this is the case for senior engineers, security specifically, in weeks instead of quarters.
The keyword that brought you here, fintech software development, is usually a custom-build need: a payment system, a lending platform, a reconciliation engine. A growing subset also want an AI agent inside the product. That is a different discipline with a different production bar.
You need software built or rebuilt: payments, lending, underwriting, claims, KYC/AML, reconciliation, or a customer-facing app. The compliance surface (SOC 2, PCI-DSS, audit, model-risk-readiness) is designed in from Week 1, delivered by a small senior team on a timeline that beats offshore-commodity quotes.
Custom software development hubYou are shipping an agent, fraud detection, decisioning, claims triage, support routing, and it has to pass model-risk review, produce explainability per decision, and not hallucinate a financial call. That is production-grade agentic AI, with its own five-layer production bar.
Agentic AI development hubFor a single MVP-scope financial product on a vertical we have shipped for, plan on 8 to 12 weeks with a small senior team, versus the 16 to 24 weeks an offshore-commodity shop typically quotes. Heavier regulatory surface (multiple frameworks, multiple states, a payment-processing core) pushes toward the longer bucket. We tell you which bucket you are in by the end of Week 1, in writing, with a scope and a control map. Pricing is a small senior team, not per-seat licensing, exact figures go in the proposal after scoping.
We build for SOC 2 and PCI-DSS environments and we design PCI-DSS scope minimization into the architecture (tokenization, network and data segmentation, least-privilege access). We are not a SOC 2 or PCI certifier, no dev shop is, and we will not claim a certification we cannot hold. What we do is build the audit-trail and access-control layers so they map directly onto your auditor's control rubric, which is the part that usually blocks a fintech launch.
We build the audit trail as a separate write-only log path with tamper-evident entries (hash-chaining where required), per-decision retention rules, and a query layer that can reconstruct any decision by request ID: what the software saw, what it decided, and what data it touched. For decisioning or lending logic, we capture per-decision explainability so a model-risk or fair-lending review can follow the reasoning months later. This is an architecture decision we make in the first sprint, not logging we add at the end.
Both. We build customer-facing fintech web and mobile apps (React Native and native iOS and Android) to the security bar a financial product is held to, alongside the backend, ledgers, and integrations behind them. The point of a single team owning both is that the audit story and the security model stay consistent from the app surface down to the settlement layer, rather than two vendors disagreeing at the seam.
Yes. Most fintech builds are integration-heavy: payment rails and processors, banking-as-a-service or core providers, KYC/AML and identity vendors, and data partners. We build those integrations without breaking the audit story, every external check and money movement lands in the audit trail with enough context to reconstruct it. We work with the vendors you have already chosen rather than pushing you onto a stack we prefer.
Three concrete differences. First, US-entity accountability: we contract under US law and you talk to US-based account ownership, with a Salt Lake City office and US-business-hours overlap from our Tirana team. Second, you get a small senior team that you meet in Week 1, not rotating junior contractors. Third, for financial software specifically, we design the compliance and audit layers up front, exactly the work the cheaper shop skipped and the reason their build could not pass your security review.
Yes, but it is a separate discipline with its own production bar, so we treat it as its own track. A fintech agent (fraud, decisioning, claims triage, support routing) needs an eval harness, explainability per decision, model-risk-ready documentation, and error handling so a model-provider blip does not become a customer-facing incident. That is our agentic AI development hub. If your build is custom software now and an AI feature later, we scope both in the same discovery call.
You own everything: code, infrastructure, and the compliance documentation we produce along the way. There is no per-seat licensing and no committed-headcount lock-in. We can stay on for a support and extension window, and most clients keep us through the next major build, but the IP and the operational knowledge are yours from day one.
Full-stack web, mobile, and SaaS engineering with AI-accelerated delivery, the broader cross-vertical umbrella for teams that need custom software with senior US-entity review.
Production-grade agent builds for teams shipping fraud, decisioning, or claims-triage features under model-risk review, the AI-feature track for fintech products.
A 15-minute call. No deck, no pitch. You tell us what you are building and what your regulatory surface looks like; we tell you the likely timeline bucket, where the compliance and audit work sits, and whether the build is a fit for our team or yours.