Fintech software where the money
reconciles to the cent
Finance and banking software has no room for an off-by-a-cent bug. Payments, wallets, ledgers, and dashboards all have to add up exactly, stay secure, and hold up to a regulator, under real load. We build fintech platforms on rails our engineers already run in production: Stripe and Stripe Connect, ACH, and the ledger work behind them.
Talk to our teamThe hard part is not the dashboard
The money must reconcile exactly
Payments, refunds, partial captures, fees, and payouts all have to add up to the cent. In finance a reconciliation bug is the whole product. We build ledgers and money flows that balance under real load.
Compliance is architecture, not a badge
PCI DSS, KYC/AML, SOC 2, and audit trails shape how you store data, who can touch it, and what you log, from the first schema. Retrofitting it later costs far more than building it in.
Trust is the entire product
People hand a fintech app their money and their identity. It earns that in security, uptime, and a UX that never leaves them unsure whether a transaction went through.
What we build in finance and banking
From the payment rails to the compliant platform on top. We build the parts where correctness and security are the product, not a feature.
Payments and money movement
Card payments, wallets, transfers, subscriptions, and payouts on Stripe, Stripe Connect, and ACH. Idempotent by design, so a retried request never double-moves money.
Ledgers and reconciliation
Double-entry ledgers, balances, and reconciliation that stay exact under concurrency, because in finance the numbers have to agree every time, not most of the time.
Digital wallets and neobank features
Balances, transactions, cards, and transfers with the audit trail and security a money-holding product needs from day one.
Fintech dashboards and analytics
Real-time financial dashboards that stay fast and correct as transaction volume grows, with reporting a finance team and an auditor can both trust.
KYC/AML and compliance flows
Identity verification, onboarding, and monitoring wired in as first-class flows, with the audit logging that regulated products require.
Integrations with banking and payment rails
Connecting to processors, banking-as-a-service providers, and financial data aggregators, with the seams engineered so balances never drift out of sync.
The stack we build fintech in
Chosen for correctness, security, and audit, which is where financial products actually get judged: Node.js and NestJS, React and Next.js in TypeScript, Python where the data work needs it, PostgreSQL and Redis, Stripe and Stripe Connect with ACH rails, on AWS with encrypted data at rest.
Node.js NestJS TypeScript
React Next.js Python
PostgreSQL Redis Stripe Connect AWS
Why financial software breaks under load
The hard part is not showing a balance. It is keeping the ledger exact, the payments idempotent, and the audit trail complete when concurrent transactions, retries, and webhooks all hit at once.
Idempotent money movement
A retried request or a duplicated processor webhook must never move money twice. Every payment and transfer transition is idempotent by design, not by hope.
Ledgers that stay exact under concurrency
Balances are a concurrency and data-consistency problem. We build double-entry ledgers that reconcile exactly when many transactions land at once, tested against contention.
Security and access, from the schema
Encryption, least-privilege access, and complete audit logging are designed in from the first table, because in finance who touched what, and when, has to be provable.
Compliance flows built in, not bolted on
KYC/AML, PCI scope, and reporting are part of the architecture from the start, so a compliance review confirms the design rather than triggering a rebuild.
Custom build vs off-the-shelf vs patchwork freelancers
How building fintech software with one team compares to a generic platform or piecing it together across separate hires.
Ledgers that balance under load
Depends on the vendor
Different assumptions per hire
Engagement models
Pick the model that fits your stage. You can change it as your roadmap changes.
Dedicated developer
One senior engineer, full-time on your fintech platform and managed by you.
- Full-time on one platform
- Works in your tools and process
- Design, QA and code review behind them
- Monthly rate, scale up or down
Best fit for an ongoing roadmap.
Dedicated team
A cross-functional pod covering payments, backend, and dashboards, ready to ship end to end without growing your headcount.
- Payments, backend and dashboards in one pod
- Ships end to end
- Works with the team you have
- Scales with the roadmap
Best fit for a build that spans several layers at once.
Project-based
A scoped build, delivered end to end against a fixed plan, price, and timeline.
- Fixed scope and plan
- Fixed price and timeline
- Delivered end to end
- Handover included
Best fit for a defined piece of work with a clear finish line.
Case studies
Products our engineers shipped under the same kind of constraints.
Building a fintech or banking product?
Tell us what you're building and we'll tell you honestly what it takes to get the money and the compliance right.
Talk to our teamQuestions
Do you have real payments and money-movement experience?
Yes. Payments and money movement are core engineering work for us: Stripe and Stripe Connect, ACH rails, idempotent transfer state machines, and double-entry ledgers that reconcile to the cent. Payments are core work for us, not a plugin we hope holds under load.
How do you make sure the money reconciles and never double-moves?
Idempotency and double-entry ledgers. Every payment and transfer is idempotent by design, so a retried request or a duplicated webhook can't move money twice, and balances are built as a concurrency problem so the ledger stays exact when many transactions land at once.
Can you build a compliant platform for PCI, KYC/AML and SOC 2?
Yes. We treat compliance as architecture, not a checkbox: encryption, least-privilege access, complete audit logging, and KYC/AML flows are designed in from the first schema, so a compliance review confirms the design rather than triggering a rebuild. We scope the exact regime with you in discovery.
Do you integrate with banking rails and payment processors?
Yes. We connect to processors, banking-as-a-service providers, and financial data aggregators, with the integration seams engineered and tested so balances never drift out of sync between your platform and the rails behind it.
Will the fintech dashboards stay fast and correct as volume grows?
Yes. That is a performance and correctness problem we design for from the start, so real-time financial dashboards stay both fast and exact as transaction volume scales, rather than slowing down or drifting from the ledger.
How do we start, and what engagement models do you offer?
Three ways: a dedicated developer, a cross-functional team covering payments, backend, and dashboards, or a scoped fixed-plan project. Shipping software since 2015, 5.0 on Clutch across 26 reviews, 640+ projects delivered.
Contact our team
Our team contacts you within 24 business hours
We collect all the key requirements from you
The team of developers prepares estimation
We can sign NDA since we respect the confidentiality of our clients