For Fintech founders
Engineering for
Fintech Founders
Most agencies pitching fintech founders haven't shipped a real ledger. They've shipped a payment integration. Those are different problems and confusing them in your build is how you end up debugging double-counted transactions in production.
Fintech founders compete with banks and incumbents who can ship roadmap items in quarters, not years. Your edge is shipping in weeks. Lose that and the moat is gone.
Stack we use
Compliance
We build SOC 2-friendly defaults. We don't manage the SOC 2 audit itself — that's a separate workstream with auditors. We won't ship PCI Level 1 in scope; that's a multi-month dedicated engagement.
Engagement
from $12,000
4–8 weeks
Why fintech builds are different
Same engagement model.
Industry-specific defaults.
We don't pretend a generic SaaS stack ships fintech at v1. The pain points below are what most builds in your industry get wrong on the first try — we wire them correctly from commit one.
The pain points
What breaks at v1 in fintech
Each of these is something we've watched founders get wrong on the first build. We ship the correct version on day one.
01
Ledger correctness
Real ledgers are append-only, reconcilable, double-entry. Most startup fintech ships a regular SQL table with a balance column. It works until someone reverses a transaction wrong and reconciliation diverges. We default to event-sourced ledgers from day one.
02
Stripe / Plaid / Marqeta integration depth
Webhook reliability, idempotency, race conditions on dispute updates. Done wrong, a 0.1% failure rate becomes thousands of dollars of stuck customer balances per month.
03
KYC / AML provider plumbing
Onboarding flows that need real-time KYC (Persona, Onfido, Alloy) with proper failure routing, manual review queues, and audit trails. Not the demo-quality version that 80% of fintech MVPs ship.
04
Fraud rules and velocity checks
Rules engines that evolve as your fraud surface evolves. We build with config-driven rules from v1 instead of hardcoding three checks in a controller.
What we ship
Concretely,
by handoff.
The work you'd hand a salaried fintech engineer — done end to end on a flat-price engagement.
- Event-sourced ledger with double-entry semantics from commit one
- Stripe + Plaid + Marqeta integrations with proper webhook handling
- KYC / AML provider integrations with reviewable audit trails
- Fraud rule engine with config-driven velocity checks
- Customer admin + internal admin separated cleanly
Fintech work we've shipped
Real founders, real shipped product
The kind of build we do for fintech founders. Different industries, same flat-price model.
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Common fintech questions
Can you ship something that passes a SOC 2 Type 1 in 6 months?
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Do you do crypto / DeFi?
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PCI scope?
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More questions on related topics
By city
SaaS Development for Fintech Founders
Same engagement scoped to your local market. Click the city for the full per-city economics and case studies.
Deeper reads
Long-form on our blog
Other industries
Different vertical?
For Healthtech founders
Healthtech Founders
Healthtech MVPs split into two camps: ones that pretend HIPAA isn't a real constraint, and ones that treat compliance as the whole project.
Read the playbookFor B2B SaaS founders
B2B SaaS Founders
B2B SaaS MVPs that skip multi-tenant, SSO-ready architecture, and audit logging at v1 always pay the cost later — usually right when the first enterprise customer asks for them.
Read the playbookFor AI Products founders
AI Product Founders
Most AI MVPs in 2026 ship a thin wrapper around OpenAI with a prompt baked in.
Read the playbookFor Marketplaces founders
Marketplace Founders
Marketplaces are full-stack products with two distinct user flows, payment routing, dispute resolution, search, and trust signals.
Read the playbookReady for your Fintech build?
Ship fintech in weeks, not quarters.
30-minute call, flat-price quote in 24 hours, first deploy inside two weeks.