Build Financial Software That Regulators Approve and Customers Trust
Fintech moves fast. Regulation doesn’t. You need engineering teams that can ship innovative features at startup speed while maintaining the compliance rigor that financial services demands. Our engineers have built payment platforms, lending systems, banking integrations, and compliance automation — and they understand that in fintech, a bug isn’t just a bug. It’s a regulatory incident.
Why Fintech Companies Choose Gigabit
Your engineering decisions have compliance consequences.
In fintech, architecture choices directly affect your regulatory posture. Multi-tenancy, data residency, encryption, audit logging, and access controls aren’t nice-to-haves — they’re requirements. Our engineers build with compliance in mind from the first commit, not as a retrofit before your next audit.
You need to integrate with legacy financial infrastructure.
Banks, payment processors, credit bureaus, and clearing houses all have their own APIs, protocols, and integration quirks. We’ve worked with ACH, SWIFT, FIX, ISO 20022, and Open Banking APIs. We know what the documentation says, and we know what actually happens in production.
Speed-to-market determines whether you win or lose.
Your Series A investors want to see transaction volume growing every month. Your competitors just raised $50M. You can’t afford a 12-month build cycle for features your market needs now. We ship fintech features in weeks, not quarters — without cutting corners on security or compliance.
Your compliance team and your engineering team don’t speak the same language.
We bridge that gap. Our engineers translate compliance requirements into technical specifications, implement controls that satisfy auditors, and produce documentation that your compliance officer can actually use.
What We Build for Fintech
Financial Software That Works in the Real World
Payment Platforms & Processing
Custom payment processing systems, merchant platforms, payment orchestration layers, and multi-currency payment flows. We build payment infrastructure that handles millions of transactions with proper idempotency, reconciliation, and failure recovery.
Banking & Lending Software
Digital banking platforms, loan origination systems, credit scoring engines, account management, and treasury management tools. Built with the audit trails, approval workflows, and regulatory reporting that financial institutions require.
Open Banking & API Platforms
Account aggregation, payment initiation, and data sharing platforms built on PSD2, Open Banking, and Plaid APIs. We build the integrations that connect your product to the banking ecosystem.
Compliance & RegTech Automation
KYC/KYB verification workflows, AML monitoring, transaction screening, regulatory reporting automation, and compliance dashboard systems. We automate the manual compliance processes that slow your operations down.
AI-Powered Financial Intelligence
Fraud detection models, risk scoring engines, document verification (OCR + AI), transaction categorization, and predictive analytics for lending and underwriting. Production-grade AI that operates within your compliance framework.
Cryptocurrency & Digital Assets
Wallet infrastructure, exchange platforms, custody solutions, and blockchain integrations. Built with the same compliance rigor we apply to traditional finance.
Compliance & Security Standards
We don’t treat compliance as a checkbox exercise. Our engineering practices are designed to produce software that passes audits and stays compliant as regulations evolve.
Important: Gigabit provides engineering services that build toward compliance. We are not a compliance consultancy and do not certify compliance. We work alongside your compliance team or compliance advisors to implement the technical controls they require.
Fintech-Grade Technology
Backend
Node.js, Python (Django/FastAPI), Go, Java (Spring Boot)
Frontend
React, Next.js, TypeScript
Databases
PostgreSQL (primary), Redis, TimescaleDB
Infrastructure
AWS (GovCloud available), Docker, Kubernetes, Terraform
Security
HashiCorp Vault, AWS KMS, encrypted-at-rest databases, TLS everywhere
Payments
Stripe Connect, Adyen, Plaid, Marqeta, Dwolla, ACH processors
Compliance
Onfido, Jumio, ComplyAdvantage, Chainalysis
Monitoring
Datadog, Sentry, audit log aggregation, alerting
How We Work With Fintech Companies
Engagement Models
Payment Platform Build
End-to-end payment platform development — from architecture through launch. We handle merchant onboarding, transaction processing, reconciliation, reporting, and regulatory controls. Typical timeline: 4–8 months. Typical investment: $60,000–$200,000.
Compliance Engineering Sprint
Focused engagement to implement specific compliance requirements: PCI scope reduction, SOC 2 readiness, KYC workflow automation, or AML monitoring. Typical timeline: 6–12 weeks. Typical investment: $20,000–$60,000.
Dedicated Fintech Engineering Team
Ongoing team embedded in your workflow. Engineers with fintech domain experience who understand your regulatory environment. Typical investment: $15,000–$40,000/month depending on team size.
Case Study Excerpt
Client:
Series A payments startup targeting SMB merchants
Challenge:
Needed to build a merchant onboarding and payment processing platform with PCI-compliant card handling and multi-currency support
Team:
4 engineers (2 backend, 1 frontend, 1 DevOps) + tech lead
Duration:
6 months
Stack:
Node.js, React, PostgreSQL, AWS, Stripe Connect, Plaid
Results:
Platform launched on schedule with PCI DSS Level 1 compliance
Processed $2.1M in transactions within first 90 days
340 merchants onboarded in 6 months
Zero security incidents
Frequently Asked Questions
Are you PCI DSS certified?
We are not a PCI DSS certified service provider (and neither are most development agencies). What we do is build software architectures that achieve PCI compliance for our clients. We design systems that minimize PCI scope through tokenization and network segmentation, implement the required controls, and produce the documentation needed for your QSA assessment.
Have you worked with [specific payment processor/bank API]?
We’ve integrated with Stripe, Adyen, Plaid, Marqeta, Dwolla, and multiple ACH processors. If you’re working with a specific provider we haven’t used before, our engineers are experienced at reading API documentation and building robust integrations. Financial APIs follow common patterns — the learning curve is typically days, not months.
How do you handle sensitive financial data?
We follow the principle of minimum necessary access. Our engineers work in environments where sensitive data (card numbers, SSNs, bank account numbers) is tokenized or masked. Production databases with real financial data are accessible only through controlled, audited pathways. We’re happy to work within whatever data handling policies your compliance team requires.
Can you help us get SOC 2 certified?
We can implement the technical controls required for SOC 2 Type II — access controls, monitoring, change management, incident response, and evidence collection automation. For the audit itself, you’ll need a SOC 2 auditor (like Vanta, Drata, or a Big Four firm). We work alongside these auditors regularly.
What’s different about fintech development vs. regular SaaS?
Three things: compliance requirements add architectural constraints and documentation overhead; financial data handling requires stricter security practices; and failure modes have higher consequences (a payment processed twice or a missing transaction is worse than a UI bug). Our engineers are trained to think about these differences from day one.
Build Financial Software That Scales and Complies
Tell us about your fintech product — what you’re building, where you are with compliance, and where you’re stuck. We’ll give you honest advice on architecture, timeline, and whether we’re the right engineering partner.