Users are increasingly accessing online banking through mobile apps rather than browsers — the mobile app has become the main channel for financial transactions. But high competition and strict regulatory requirements make entering Fintech expensive without the right architecture. We build Fintech apps from scratch: from payment gateways and P2P transfers to investment platforms and crypto wallets with full compliance with international security standards.
We develop Fintech mobile applications — financial services that work with real money, client data, and strict regulatory requirements. We build architecture that has passed PCI DSS and penetration testing, ready to scale to millions of transactions. Fast launch through an MVP with basic payment functionality.
Payment Gateways and P2P Transfers — integration with NSPK, SBP, Visa, Mastercard, Apple Pay, Google Pay, and cryptocurrency networks. We process up to 10,000 transactions per second — suitable for payment services and fintech startups.
Mobile Banking — full-featured banking applications with balances, transaction history, payments, deposits, and credit products. Personalized dashboards with cashback — users manage their finances consciously, and the bank sees LTV growth.
Investment Platforms — brokerage accounts, trading terminals, portfolio analytics, and ML-based recommendation models. We integrate real-time exchange charts and stop-losses — investors make data-driven decisions.
Swift · Kotlin · Flutter · Blockchain
Every Fintech product is unique, but the foundation is always the same: security, transaction speed, and reliability. We design modular architecture that adapts to the requirements of a specific business and regulator.
Instant transfers between cards and accounts, multi-currency support, mass payouts, and subscriptions. We support SBP, SEPA, SWIFT — payment conversion increases by 15–25%.
Balances, real-time statements, cashback, and push notifications. We implement gamification — the bank sees up to 40% increase in transaction activity.
Crypto wallets, exchanges, staking, NFT marketplaces, and DeFi protocols. We use EVM-compatible networks and Solana — suitable for crypto exchanges and Web3 startups.
Brokerage interfaces with real-time quotes, portfolio analytics, and dividend calendars. ML recommendations match assets to risk profiles — suitable for brokers and robo-advisors.
Fintech is not just code with a payment form. It is an architecture where every transaction is protected, every user is verified, and the system is ready for regulatory audit at any moment. We build financial grade.
A Fintech product is not just mobile code. We design design, specs, audit, redesign, admin panels, and API.
152-FZ and GDPR Compliance — personal data processing, encryption, and logging with Privacy by Design policies.
KYC/AML Module — identity verification, watchlist screening, and fraud monitoring with automatic onboarding in 30 seconds.
Payment Processing — transaction routing, 3D Secure, and acquiring integration under load of up to 10,000 RPS.
Anti-Fraud Systems — ML anomaly detection and behavioral analysis with false positive rate no higher than 2%.
Banking Integrations — ISO 20022 protocols, integration with Central Bank and ABS via REST/SOAP API in 2–4 weeks.
Reporting and Dashboards — financial analytics and exports for accounting and regulators according to Central Bank of the Russian Federation and IFRS standards.
Your Fintech app works through an API, and every vulnerability costs money. We design a secure API layer with OAuth 2.0, JWT, rate limiting, encryption at all levels, and regular penetration testing. We develop the backend on a stack that handles thousands of concurrent transactions — with load balancing, replication, and disaster recovery. Learn more about backend development in our approach to backend.
Ordering a turnkey Fintech app means creating a complex product where the cost of failure is client trust and money. We have experience launching payment services with millions of transactions and successfully passing Central Bank audits.
PCI DSS, end-to-end encryption, biometrics, and data tokenization. Every transaction is protected from device to banking server.
Microservice architecture with horizontal scaling and sharding. The backend supports growth from 1,000 to 10,000,000 users without code rewrites.
We connect to any ABS via ISO 20022 and REST API. Typical integration is reduced to 6–8 weeks thanks to a library of banking connectors.
Financial apps don't forgive mistakes. We know regulatory requirements and build products that pass audits on the first try. Our Fintech solutions run in production and process millions of transactions monthly.