FinTech software development is building software that moves, stores, lends, invests or protects money, within the rules that govern it. We design and build custom FinTech software for startups, scale-ups and financial institutions across the UK and Europe: banking, payments, wallets, trading, crypto and compliance tooling. As a FinTech software development company, we put our developers inside your team, with no ticket queue in between.
Let's talkFinTech software development is mostly integration work. The hard part is connecting your ledger to banks, payment processors, card issuers and KYC providers, and keeping every balance correct when one of them fails.
That's why our FinTech development starts with the integration map. For Globus Payments, an EMI-licensed payment company in London, that meant building API integrations with banks and financial service providers.
These are the FinTech software development solutions we're asked for most. Each one has its own hard part, usually in the data or the integrations, so that's where each description below starts.
We build accounts, transactions, onboarding and reporting for neobanks and established banks alike. What makes digital banking hard is keeping the ledger accurate when it depends on core banking systems and payment rails you don't control. So we design reconciliation and failure handling before the first customer-facing screen.
Learn moreWe build online, recurring and cross-border payment flows with routing, settlement and fraud checks. Globus Payments, an EMI-licensed payment company serving the logistics sector, has had us as its technology partner from the start. We built the API integrations with banks and financial service providers that its payment infrastructure runs on.
Learn moreWe build custodial and non-custodial wallets for fiat and digital assets, on web and mobile. What makes a digital wallet trustworthy is key management and transaction integrity: every transfer completes fully or not at all, and private keys never sit where they shouldn't.
Let's talkWe build trading platforms with real-time market data, order execution and portfolio views that hold up under load. Ampang, the AI crypto trading bot we built with reinforcement learning, runs on Kafka, Redis Streams and WebSockets: the streaming foundations a trading platform needs when a stale price costs real money.
Learn moreWe build portfolio tracking and personal finance dashboards across accounts and asset types. The real work in wealth management software is data accuracy: pulling positions and transactions from several sources, reconciling them and showing one figure the user can rely on.
Let's talkWe build centralised, decentralised, hybrid, P2P and OTC crypto exchanges, with trading engines, wallet integrations and liquidity management. With FiatGate, a white-label non-custodial exchange we built, the exchange itself was the payment infrastructure.
Learn moreWe build smart contracts, dApps, DeFi products and tokens on Ethereum and Solana. Mbilia, an NFT marketplace for digital art, runs on both. We build blockchain applications around a real use case and connect them to the financial systems they sit in.
Learn moreIdentity verification, document checks and AML screening sit inside the onboarding flow itself. Onboarding is where many FinTech products lose users, so we design KYC and onboarding systems that cover the checks your regulator expects without sending a new customer back to the start.
Learn moreWe can build lending platforms covering loan origination, eligibility checks and repayment logic, connected to credit data and payment providers. The challenge is keeping eligibility rules auditable, and easy to change when your credit policy does.
Let's talkWe can build insurance software too: customer portals where policyholders view their policy and start a claim, with personal data handled securely and a clean connection to your policy administration system.
Learn moreOur FinTech development services cover every stage, from the first scoping session to running the platform after launch. The same team stays on the work throughout, so nobody has to re-learn your product between phases. That continuity is what we mean by end-to-end FinTech software services.
Product discovery turns an idea or a brief into a scope we can build against: requirements, architecture, the integrations it depends on and the regulations that apply. You leave with a plan that says what gets built first and why, before you commit any development budget.
A FinTech MVP should prove the core ledger and payment logic, and the rest of the roadmap can wait. We scope MVP development around that core and connect KYC and banking rails early, because retrofitting them after launch costs far more than building them in.
Systems integration connects your product to core banking, payment processors, card issuing, KYC and AML providers and open banking APIs, in real time or in batches. We build for the day a provider changes its API or goes down, so a failure upstream never becomes a wrong balance in your system.
Business logic, transaction processing, validation and orchestration live in the backend, so front ends stay light and rules stay in one place. Backend development is where FinTech products earn or lose their reliability, which is why we treat it as the centre of the build.
We build web and mobile apps for iOS, Android and the browser in React and React Native. We make security visible without letting it get in the way: strong authentication that doesn't drive users away, and onboarding that explains why a document is needed.
AI integration earns its place in fraud detection, automated KYC checks and trading models, as Ampang shows. We agree which decisions a model may take on its own and where a person stays in the loop, because in regulated finance you'll have to explain every decision.
Compliance costs least when it's mapped before the first sprint and built into the architecture. Leave it until just before an audit and it gets expensive. We build FinTech software to the frameworks that apply to your product. Your licence, your audits and any certification stay with you and your auditors. Our job is to build software that gives them what they need to check.
In discovery we work out which PSD2, GDPR, PCI DSS, KYC and AML rules apply to your product and where each control lives in the architecture. That map shapes the build, so compliance-ready FinTech software development isn't a clean-up job at the end.
We build in encryption in transit and at rest, strong customer authentication, role-based access and audit trails that record who did what and when. Each security control sits in the layer where it belongs, so one weak screen can't give anyone a way around the rest.
DORA has applied to EU financial entities and their ICT providers since January 2025, and UK firms work to the FCA's operational resilience rules. In software terms, resilience means monitoring, incident handling, failover and documented dependencies.
Our end-to-end FinTech development process settles compliance, integrations and team fit before development picks up speed, and the team stays on after launch. You can start within weeks, not months.
We choose technology for transaction integrity, real-time data and clean integrations. Our FinTech software development tech stack centres on React, Node.js, Python, Django, Vue.js and Angular. Kafka, Redis Streams and WebSockets carry the real-time flows. Underneath, it runs on Docker, Kubernetes and AWS, with Solana and Ethereum for blockchain work.
FinTech software development costs depend mainly on compliance scope, integrations and the team model. In custom FinTech software development, three costs catch buyers out most often.
Adding KYC, audit trails or data residency after launch means reworking code that was built without them. Mapping the rules in discovery costs far less than retrofitting them, which is why we do it first.
KYC checks, payment processing and market data often carry per-call or per-transaction fees. They grow with every user, so we weigh provider fees while choosing providers and designing flows, before the first invoice arrives.
Banks, partners or regulators often require penetration tests and security reviews before launch. Plan time and budget for security audits from the start, and build the software so an auditor finds the evidence they're looking for.
A white-label platform or an established provider is often the faster and safer route. If a platform already does most of what your product needs, buying gets you to market sooner and leaves PCI DSS scope, uptime and upgrades with someone else. As a custom FinTech software development company, we'll tell you when that's the better choice.
Custom FinTech software pays off when you need control over the product, better economics at high volume, or flows no platform supports. That was the case with FiatGate: the exchange itself was the payment infrastructure, so there was nothing to buy. If you do build, owning the code matters. With us, the code and IP are yours.
Many products end up in between, with a platform core and custom layers around it. In that case, check who owns those layers and how hard it is to leave the platform later.
Choosing a FinTech software development company comes down to six checks that separate a FinTech specialist from a general development firm. It helps to get the term straight first: a FinTech development company builds financial software for other businesses, while a FinTech company runs its own product. We're not the right fit if price is your only criterion, or if you want a black box rather than a team.
Ask which rules apply to your product and where each control will live. A partner who can't answer before building will answer during your audit. We map PSD2, GDPR, PCI DSS, KYC and AML in discovery and show you the result.
Ask what happens when a payment provider times out halfway through a transfer. The answer shows engineering maturity better than any portfolio. Ours starts with operations that are safe to retry, plus reconciliation, so a retry never pays twice.
Ask for cases where the partner had to connect to banks, card issuers or exchanges. Ours include Globus Payments, with API integrations to banks and financial service providers, and Axys, which links crypto exchange APIs to card issuing.
Some vendors keep the code or license it back to you, so check the contract before you sign. With us, the code and intellectual property belong to you under all our standard contracts, whichever collaboration model you choose.
Remote teams fail on communication before they fail on code. Our developers join your standups and Slack channels, with Western management on site in our hubs. Every team also gets cultural workshops and communication training.
Your roadmap will change, so your team size should be able to follow it. Check that this flexibility is written into the contract. We work without long-term contracts, so you scale up or down when your product needs it.
Our collaboration models for FinTech development differ in who directs the day-to-day work and who's responsible for delivery. Ownership stays the same: in every model, the code and IP are yours.
This is a team that works only on your product and takes direction from you. Dedicated Teams fit a long-running, regulated FinTech platform where domain knowledge and continuity matter most.
You get a flexible team that we manage, for when you need FinTech capacity quickly and don't want to oversee developers yourself. With Team-as-a-Service, you set the priorities and we run the team.
We take a clearly scoped build from concept to deployment, such as an MVP or a specific integration, and we're accountable for delivering it. Project-Based Development suits a defined brief with a clear outcome.
Established in 2021. Our team spans 4 countries (The Philippines, The Netherlands, Hong Kong, Armenia), delivering 100+ transformative projects across the world.
Our FinTech software developers have built payment, banking, trading and crypto systems, and they work as part of your team. They join your standups and Slack channels, while Western management on site in our hubs keeps quality and communication consistent. You can start within weeks, not months.
A selection of the products our embedded teams have helped build.
In a Discovery call, we look at your scope, the integrations and compliance work it implies, the collaboration model that fits, and whether a custom build or a platform suits you better. You'll leave with an honest read, whatever you decide.
FinTech software development is the design and building of software that moves, stores, lends, invests or protects money, such as banking apps, payment systems, wallets, trading platforms and compliance tools. What sets it apart from general software development is the environment. Financial regulation, data protection law and security standards shape every decision, and much of the work lies in integrating with banks, payment providers and KYC services.
A FinTech software development company designs and builds financial software for other businesses, from startups launching their first product to banks modernising a platform. That makes it different from a FinTech company, which runs its own financial product. Prostrive is a FinTech software development company that puts developers inside your team, covering discovery, development, integrations and support after launch.
We build digital banking platforms, payment processing systems, digital wallets, trading platforms, wealth management software, crypto exchanges, blockchain applications and KYC and onboarding systems. Lending platforms and insurance software are within our capabilities as well. FinTech software we've delivered includes the payment integrations for Globus Payments, the Axys card platform with crypto top-up and FiatGate, a white-label non-custodial exchange.
The cost of custom FinTech software development depends on your compliance scope, the number and type of integrations, the features in the first release and the collaboration model you choose. Third-party provider fees and security audits add to it and are often forgotten. We give you an estimate after a Discovery call, once we know what the product has to connect to and which rules apply.
How long FinTech software takes to build depends on the scope, the integrations involved and the compliance work around them. We release in phases, starting with a first version that proves the core ledger and payment logic, and extend from there. What we can promise is the start: our teams can begin within weeks, not months, once you decide to go ahead.
Yes. Connecting FinTech software to core banking systems, payment processors, card issuers, KYC and AML providers and open banking APIs is the core of most of our work. For Globus Payments, an EMI-licensed payment company in London, we built API integrations with banks and financial service providers. We design every integration to fail safely when a provider changes or goes down.
We handle PSD2, GDPR and PCI DSS requirements by mapping them in discovery and building the controls into the architecture: strong customer authentication, encryption, role-based access and audit trails. That way, compliance is part of the design from the start. Your licence, audits and certifications stay with you and your auditors; our job is software that gives them the evidence they need.
You own the code and intellectual property of the FinTech software we build for you. Under all our standard contracts the code and IP belong to you, whether you work with Dedicated Teams, Team-as-a-Service or Project-Based Development. That means you can bring development in-house or change partner later without rebuilding or buying back what was built for you.
A lot of FinTech software is delivered as SaaS: multi-tenant platforms that serve many customers from one codebase, with each customer's data kept strictly separate. Other FinTech products run as a single-tenant platform or an internal tool, often because of regulation or a bank's own requirements. We build multi-tenant FinTech SaaS platforms and help you decide which delivery model fits your customers and your obligations.
AI fits in FinTech software where it improves a decision that can be checked afterwards: fraud detection, automated KYC document checks and trading models. Ampang, an AI crypto trading bot we built with reinforcement learning, is one example. In regulated finance you have to explain decisions later, so we define which decisions a model may take on its own and where a person stays in control.
Yes, you can scale your FinTech development team up or down during the project. We work without long-term contracts, so team size can follow your roadmap, funding and release plan instead of a fixed commitment. We onboard new developers into your standups, tools and codebase alongside the existing team, within the same collaboration model.
After your FinTech software is launched, the same team can stay on to maintain and scale it. That covers monitoring and fixes, performance work as transaction volumes grow, new integrations and features, and changes when regulation moves, such as new reporting or authentication rules. It's the fourth step of our process, Nurture & Evolve, and it runs for as long as you need it.