FinTech Software Development
FinTech has less tolerance for error than most software: a bug in a payment flow or a gap in KYC is a compliance incident, not a bug report. We build for that: trading and paper trading platforms, digital banking, and payment systems, from validation-stage MVPs to regulated enterprise systems for banks, brokers, and payment providers.
Written reply within one business day, no obligation.
Budgets in detail: FinTech development cost in 2026. Still validating the product? Start with an MVP for startups.
FinTech project types we deliver
- Trading & paper trading platforms: real-time dashboards with charts, order management system, broker API integrations (Interactive Brokers, Alpaca, MetaTrader), backtesting engines, paper trading mode for investment education.
- Digital banking apps: digital wallets, transfers, card management, automated KYC/AML, payment network integrations (SEPA, SWIFT), open banking via PSD2.
- Online payment platforms: multi-gateway orchestration (Stripe, PayU, Adyen, Mollie), recurring billing, dispute handling, transaction reporting, complete audit trail.
- EduFin apps: investment education platforms, live courses, trader communities, broker integrations for paper trading.
- Loan origination systems: credit forms, automated credit scoring, credit bureau integrations, digital contract management.
FinTech tech stack
For financial apps we prioritize performance, observability, and auditability:
- Frontend: Next.js with TypeScript, real-time charts via Recharts or TradingView Charting Library
- Backend: NestJS or Go for high-throughput services, FastAPI for ML/scoring algorithms
- Database: PostgreSQL with replication, TimescaleDB for financial time-series, ClickHouse for analytics
- Security: encryption at rest (AES-256), TLS 1.3, secrets management with Vault, MFA with TOTP/WebAuthn
- Compliance: immutable audit logs, granular RBAC, GDPR data export/deletion, configurable retention policies
Compliance & regulation
FinTech is a regulated sector, so the architecture has to account for it from day one:
- GDPR: data minimization, consent management, audit trail, user rights
- PSD2 & SCA: Strong Customer Authentication, Open Banking APIs, secure communication
- ISO 27001 ready: the technical controls an audit expects
- PCI DSS for payments: tokenization, scope reduction, conformance with card scheme requirements
- BNR & ASF: National Bank and Financial Supervisory Authority requirements for Romanian products
We do not issue certifications (that is the auditors' job), but we prepare the full technical baseline so the audit is a formality, not a rebuild.
Typical FinTech project pricing
- FinTech MVP (paper trading, fintech educational): from €15,000, 3-5 months; projects with full PSD2/AML compliance typically reach €40,000–€60,000
- Mid-tier trading platform: €40,000 – €120,000, 6-10 months
- Digital banking / wallet: €60,000 – €200,000+, 8-14 months
- Enterprise system with full compliance: €150,000+, 12-18 months
For a detailed estimate we recommend a 1–2 week technical discovery (€2,000–€5,000, credited against the project) that produces a full specification with an hour-level breakdown.
How we work
- Scope and estimateDescribe the project. We reply within one business day, and within 48 hours you get a written answer with budget and timeline estimates. Free.
- Proposal and contractFixed price or hourly rate, clear deliverables and acceptance criteria. You own the code. Full IP transfer at the end, no hidden licences.
- 2-week sprintsDemo at the end of every sprint, code in your repository, CI/CD from sprint 1.
- Launch and supportProduction deploy and monitoring. Bug fixing for 30 days on an MVP and 60 days on a web app; for websites, optional monthly care (P5). The same technical contact throughout.
Relevant live projects
FAQ
How much does a FinTech MVP cost?
FinTech MVP (paper trading or investment education) from €15,000, in 3–5 months; projects with full PSD2/AML compliance typically reach €40,000–€60,000. The exact budget comes out of a 1–2 week technical discovery, credited against the project.
Do you obtain PCI DSS or ISO 27001 certification?
No. Certifications are issued by specialised auditors. We implement the technical controls (encryption, access control, audit logs, backups) so the audit does not turn into a rebuild.
Who owns the code?
You do. The code lives in your repository from the first sprint, with full IP transfer at the end and no hidden licences.
How quickly do I get an answer?
We reply within one business day, and within 48 hours you get a written answer on feasibility, with budget and timeline estimates.
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Have a project in this space?
Tell us what the product has to do. You get a written answer on feasibility, budget and timeline.