Money software, built carefully.
Payment processing, wallets, lending, accounting, accounts-payable. Custom fintech builds with the compliance and audit posture the work requires.
- Starting at
- $90k
- Structure
- Phase-by-phase quote, fixed bid
What you get for the work.
- 01
Audit trail from day one
Every state change logged, signed, timestamped. Immutable ledger pattern where money moves. Auditors can read your database.
- 02
KYC and KYB built in
Identity verification (Persona, Stripe Identity) and business verification wired to the right tier of your product. Not retrofitted under regulatory pressure.
- 03
Reconciliation that holds
Daily ledger reconciliation against your processor and bank. The discrepancy report runs automatically.
- 04
Owned by you
Code, data, vendor relationships all in your accounts. We don't operate financial infrastructure for you.
What we build it on.
- Stripe / Adyen / Increase / Modern Treasury
- Processor and bank rail per use case.
- Postgres with append-only ledger tables
- Immutable history, signed where it matters.
- Plaid / Finicity
- Bank account verification and ACH.
- Persona / Stripe Identity
- KYC. KYB via Middesk where needed.
- Datadog + audit log shipping
- Compliance-grade observability.
$90k buys this. Bigger scope scales it.
What scales the number
- Multi-currency or international rails
- Lending product with underwriting rules
- Custodial wallets or treasury operations
- Card issuing (Stripe Issuing, Marqeta)
- Mobile app for end users (see Mobile)
What a starter fintech build looks like
One core money-movement flow, immutable ledger, KYC, daily reconciliation, admin with audit, SOC 2 readiness review. Sixteen to twenty-four weeks. The compliance posture is right at launch, not retrofitted.
Where the build scales
Multi-currency and international rails are a major chapter (regulatory, tax, FX). Lending products add underwriting (rules, decisioning, servicing). Custodial wallets and card issuing add operational rails.
What we will not build
Anything that requires us or you to hold customer funds without a partner bank. Non-custodial crypto wallets. Money software where the founder has not consulted real compliance counsel.
Common questions.
- Are you licensed?
- We are software, not a financial institution. We integrate with licensed partners (Stripe, Adyen, Modern Treasury, Increase) and we structure your product so you don't need to be a bank yourself.
- SOC 2?
- We don't issue the report but we ship with the controls in place. Vendor selection at launch is sized for the audit you'll need within 12 months.
- How long until launch?
- Sixteen to twenty-four weeks at the $90k floor for a single money-movement flow with KYC and reconciliation. Multi-rail or lending products longer.
- Crypto?
- We build against custodial partners (Fireblocks, Anchorage) when the use case is real. We won't build non-custodial wallet software, that's outside our risk tolerance.
Pair this build with.
Build this with us.
Twenty minutes through the intake. A real reply within a work day.