Fintech engineering
Fintech app development company for payments, lending & banking
Finashtech is a fintech software development company. We design and build payment apps, digital wallets, lending and loan management software, trading and wealth-tech platforms, and the banking integrations behind them.
We understand the domain, not just the code: money has to reconcile to the last decimal, every action needs an audit trail, and security and compliance are designed in from the first sprint — not bolted on before launch.
Fintech apps we build
From a focused module to a complete platform, for startups launching an MVP and established businesses modernising a legacy system.
Payment app & gateway development
Checkout flows, payment gateway integrations, payouts, refunds and merchant dashboards with real-time status.
Digital wallet app development
Stored-value wallets, top-ups, peer-to-peer transfers and transaction history, backed by a correct ledger.
Digital banking & core banking integration
Customer-facing banking apps and the integrations that connect them to core banking systems and banking APIs.
Loan management & lending software
Loan origination, credit scoring engines, disbursement, repayment schedules, reminders and collections.
Trading & wealth-tech platforms
Investment and trading platforms with portfolio views, order flows and market data integrations.
Settlement & reconciliation
Automated settlement, reconciliation against bank and gateway reports, and exception handling for operations teams.
Security and compliance, built in
Regulated products need more than good code. We design for the standards and regulations your business must meet from the very first architecture review.
KYC / AML integration
Identity verification, document checks, sanctions and AML screening through specialist providers, wired into your onboarding flow.
Audit trails
Tamper-evident logs of who did what and when — for every transaction, approval and configuration change.
Encryption & access control
Encryption in transit and at rest, secrets management, role-based access and maker-checker approvals for sensitive actions.
Compliance-aware architecture
Card-data scope reduction, data residency and retention policies, designed with your compliance team rather than around them.
Engineering for money that moves
Financial software fails in quiet, expensive ways. These are the foundations we put under every fintech app.
Double-entry ledgers
Every balance is derived from immutable entries, so the books always reconcile and history can be replayed.
Idempotent transaction APIs
Retries and network failures never charge a customer twice or lose a payment.
High availability & observability
Redundant, monitored infrastructure with alerts, dashboards and runbooks for the moments that matter.
Integrations without fragility
Payment gateways, banking APIs, KYC vendors, accounting and notification services behind clean, testable adapters.
Human conversations inside financial apps
Many fintech journeys still need a person: onboarding, advice, disputes and collections. We can add secure video KYC, advisor video calls and recorded voice calls directly into your app — with the audit trail regulators expect.
Proof, not promises
How we work with fintech teams
You get a dedicated team, milestone-based delivery and full visibility into progress — the same end-to-end tracking our own product, TeamCollab, gives its users. We are happy to sign an NDA before discussing any specifics.
See how TeamCollab worksTechnology
Typical technology stack
Chosen per project and aligned with your existing systems and team.
Apps
- React
- React Native
- iOS
- Android
Backend
- Node.js
- Java / Kotlin
- PostgreSQL
- Message queues
Fintech
- Payment gateways
- Banking APIs
- KYC / AML providers
- Ledger services
Cloud & security
- Docker
- CI/CD
- Secrets management
- Monitoring & alerting
Process
How we deliver your project
Discover
We dig into your business goals, users, regulations and constraints to scope the right solution.
Design
Architecture, UX and a delivery plan — reviewed with you before a line of code is written.
Build
Agile sprints with transparent tracking, automated tests and security reviews along the way.
Launch & support
We deploy, monitor and support — staying close to the product after go-live.
FAQ
Frequently asked questions
What kinds of fintech apps do you build?
Payment apps and gateways, digital wallets, digital banking apps, lending and loan management software, credit scoring engines, trading and wealth-tech platforms, and settlement and reconciliation systems — plus the KYC/AML and banking integrations they depend on.
How much does fintech app development cost?
It depends on scope, platforms, integrations and compliance requirements. After a discovery call we provide a clear estimate and a milestone-based plan, so you know what you are paying for at each stage.
Can you build an MVP for a fintech startup?
Yes. We take on projects of any size — from a focused MVP to validate an idea, to a full platform rebuild for an established business — and design the MVP so it can grow without a rewrite.
Do you handle KYC, AML and compliance requirements?
We integrate specialist KYC/AML providers, build audit trails and access controls, and design the architecture around the regulations that apply to you. Your compliance and legal advisers stay in the loop for regulatory sign-off.
Can you integrate with our existing banking or payment systems?
Yes. We regularly work behind clean adapters to connect new apps with existing core banking systems, payment gateways, banking APIs and accounting tools — without destabilising what already works.
Will you sign an NDA?
Yes — we are happy to sign an NDA before you share any specifics about your product or business.
Do you provide support after launch?
Yes. We deploy, monitor and support what we build, and stay close to the product after go-live for fixes, improvements and new features.
Start a project
Building a fintech product?
Tell us about your idea or system. Our team replies within one business day — and we are happy to sign an NDA first.