Build a Fintech App in 21 Days
Payments, KYC, bank account linking, and financial dashboards — compliance-aware from day one.
Why Fintech App development is hard to get right
KYC/AML compliance is required before you can move money — most freelancers don't know the requirements
Plaid integration for bank account linking is notoriously poorly documented
Financial data security standards (SOC 2, PCI DSS) require specific architecture decisions from day one
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.
Free Fintech App resources
Download these before you start — no credit card, just your email.
Ready to build your fintech app?
Book a free 30-minute scoping call. We'll map out exactly what v1 looks like, give you a fixed price, and start within a week.
Book a Free Scoping Call →Free · No commitment · Delivered in 4–8 weeks