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Build a Fintech App in 21 Days

Payments, KYC, bank account linking, and financial dashboards — compliance-aware from day one.

Book a Free Scoping Call →Get a Quote

⏱ Delivery: 4–8 weeks

💰 Starting at: From $5,800

🔒 Fixed price — no surprises

Why Fintech App development is hard to get right

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KYC/AML compliance is required before you can move money — most freelancers don't know the requirements

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Plaid integration for bank account linking is notoriously poorly documented

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Financial data security standards (SOC 2, PCI DSS) require specific architecture decisions from day one

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Money transmission licensing is needed to move money directly — most startups use licensed infrastructure instead

What we build — in detail

User onboarding with KYC

Stripe Identity or Persona for ID verification. Name, address, SSN (last 4), ID document + selfie. KYC result stored and gated on product access.

Bank account linking (Plaid)

Plaid Link for instant bank account verification. ACH debit from linked account. Balance check before transfers.

Payment processing

Stripe for card payments. ACH for bank transfers (lower fees, 3-5 day settlement). International wire via Stripe Treasury.

Financial dashboard

Transaction history, account balances, spending categories, income/expense charts. Export to CSV.

Transfers & payouts

P2P transfers, payout to bank account, recurring transfers. Status tracking (pending, processing, completed, failed).

Notifications

Real-time push + email on every transaction. Low balance alerts. Suspicious activity flags.

Audit trail

Every financial event logged with timestamp, amount, user, status. Immutable audit log for compliance.

Tech Stack

→React Native + Expo (mobile)
→Next.js (web)
→Supabase (Postgres + RLS)
→Stripe + Stripe Identity
→Plaid
→Twilio (SMS verification)
→Vercel

What you get

Mobile app (iOS + Android)
Web dashboard
Full compliance-aware architecture
Full source code

Frequently asked questions

Do I need a money transmitter license?

If you're moving money directly between parties, yes — but most fintech MVPs use licensed infrastructure (Stripe for payments, Unit for banking-as-a-service, Synapse for ledgers) to avoid the 12–18 month MTL process. We help you structure the architecture to stay compliant without needing a license.

How do you handle financial data security?

No plaintext financial data in logs, encrypted at rest (Supabase default), Row Level Security so no user sees another's data, PCI-scoped card data never touches our servers (Stripe handles it), and audit logs for every financial event.