Fintech app development that passes the security review.
We build payment platforms, ledgers, customer portals and the compliance checks that run before money moves, with audit trails on every action, and move them without downtime when they grow. One published platform cost $118,000, launched in 4 months and processed $41.2M in its first year at a 0.02% error rate.
What a fintech app needs before it moves anyone's money.
A fintech product is trusted on three things: the money always adds up, nothing moves that should not, and every action can be explained to an auditor. For a B2B construction payments startup we built Stripe Connect payments with custom splits, a double-entry ledger, a portal for each side of the transaction and a rules engine that holds a payment until every document verifies. It cost $118,000 over four months and processed $41.2M in its first year at a 0.02% error rate.
The same platform launched with audit logging, role-based access, encrypted storage and documented change management, and passed a third-party penetration test after two medium findings were fixed. When a payments business outgrows its first stack, we move it: a platform handling about $14M a month went from Heroku to AWS in 14 weeks with zero downtime.
What we build for fintech products.
The ledger and the controls first; the screens sit on top.
Payments
Multi-method payments with custom splits on Stripe Connect, and payouts to each party in the transaction.
Double-entry ledger
Every movement recorded twice, so balances reconcile to the cent and every number has a history.
Portals for each side
Separate views for payers, payees and administrators, each seeing only what their role allows.
Compliance checks
Rules that hold a payment until every document and term verifies, and return the exact reason when one does not.
Controls for the review
Audit logging, role-based access, encrypted storage and documented change management from launch.
Infrastructure that can move
Services extracted one at a time with shadow traffic and a tested rollback when the platform outgrows its first stack.
How a fintech build runs.
Model the money
Accounts, flows, splits and failure cases written down before screens.
Ledger and controls first
The ledger, access control and audit log go in before the features that use them.
Build the product
Payments, portals and compliance checks in sprints, demoed on staging with test money.
Review and launch
A third-party penetration test, the findings fixed, then launch with monitoring.
Published prices, mapped to the job.
Every price here is the same one on the pricing page. Work with no published price gets a fixed price in writing before it starts.
Figures in the notes are what past clients paid, from the published case studies; they show the range, not a rate card. Work with no natural end, such as ongoing development, is priced per engineer per month with no lock-in.
When to hire us for this, and when not to.
- You are building a payments, lending or finance-operations product.
- Money moves between several parties and has to reconcile.
- A bank, partner or auditor will review what you ship.
- You need a banking or money-transmitter licence. We build on licensed partners such as Stripe; we do not hold licences.
- You need identity verification itself. Buy it from a specialist provider; we integrate it.
- You are building a trading engine or a crypto exchange. That is not our published work.
Two fintech builds, with the numbers.
A payments platform built from scratch and a payments platform moved under live traffic.
A construction payments platform built in 4 months for $118K processed $41.2M in year one with a 0.02% error rate.
A 14-week strangler-fig migration off Heroku with zero downtime: -35% infra cost, -93% deploy time, +800% deploy frequency.
These are past engagements at the prices those clients paid. For build price, monthly cost and payback side by side, see what ten client projects cost.
Fintech app development, answered
How much does it cost to build a fintech app?
One Gigabit client, a seed-funded B2B construction payments startup, paid $118,000 for an MVP built in 4 months, with ongoing development and support at $8,500 a month. It processed $41.2M in its first year. That is one engagement, not a price list; you get a fixed price in writing after scoping.
How long does a payments MVP take?
The published MVP took four months: Stripe Connect payments with custom splits, a compliance engine, portals for both sides and a full audit trail.
Is it secure enough for a bank or partner review?
We build PCI-aware, SOC-2-path architectures with audit trails. The published payments platform launched with audit logging, role-based access, encrypted storage and documented change management, and passed a third-party penetration test after two medium findings were fixed. We state what is in place and do not over-claim.
Can you take over or move an existing fintech platform?
Yes. A Series B payments platform processing about $14M a month moved from a Heroku monolith to AWS in 14 weeks for $74,000, with zero downtime, after 48 hours of shadow traffic across 12,000 transactions showed no discrepancy.
Who owns the code?
You do. It lives in your repositories, with documentation and a hand-over.
Often scoped alongside.
Fintech software development
The industry hub: payments, compliance checks and migrations.
Fintech software developmentAI for KYC and KYB
Which onboarding steps an agent can prepare, and where a person decides.
AI for KYC and KYBCloud migration
Infrastructure moved service by service, with a tested rollback.
Cloud migrationFrom the field notes
Building a fintech product?
Tell us how the money moves and who reviews it. A senior engineer replies with a scoped plan and a fixed price.