Custom Fintech Development FirmDevelopment Firm
We build compliant fintech platforms for startups and enterprises. Ship a production-ready MVP in 12 weeks with fixed pricing.
IRPR builds custom fintech platforms using Node.js, React, PostgreSQL, and AWS. We integrate payment rails like Stripe and Plaid, and embed compliance controls for PCI-DSS and SOC 2 from day one.
Every project ships with a fully functional MVP in 12-14 weeks. Pricing is fixed and ranges from $100K to $350K depending on scope. We handle all compliance documentation and third-party audits.
We work with fintech startups launching their first product, banks modernizing legacy systems, payment processors scaling to new markets, and wealth management firms building robo-advisor platforms.
Types of software we ship.
Payment processing platform
Handles transactions, settlement, and reconciliation. Integrates with Stripe, Braintree, and direct card networks via PCI-DSS Level 1.
Digital wallet app
Stores funds, enables peer-to-peer transfers, and supports QR payments. Built with React Native and Plaid for bank linking.
Lending platform
Automates underwriting, loan origination, and servicing. Uses Python, PostgreSQL, and credit bureau APIs like Experian.
Investment management system
Manages portfolios, executes trades, and generates reports. Connects to broker APIs like Alpaca and provides real-time market data.
Fraud detection system
Analyzes transaction patterns using machine learning. Deployed on AWS SageMaker with real-time scoring and alerting via Twilio.
Compliance / RegTech platform
Automates KYC, AML screening, and regulatory reporting. Integrates with identity verification providers like Onfido and Jumio.
Personal finance management app
Aggregates accounts, tracks spending, and sets budgets. Uses Plaid for data aggregation and React for a responsive UI.
Crowdfunding platform
Enables campaign creation, investor accreditation, and fund disbursement. Built with Next.js, Stripe Connect, and SEC compliance checks.
We build for every business type.
Banking
Payments
Lending
Wealth Management
Insurance
Why choose a custom fintech development firm
Off-the-shelf software can't handle your unique compliance, integration, or user experience needs.
IRPR has shipped 200+ fintech products across 50 countries. Every platform is built with PCI-DSS or SOC 2 controls from the start, not bolted on later. We use Node.js, React, PostgreSQL, and AWS to deliver production-ready systems in 12 weeks.
Our fixed-price model means you know the cost before a single line of code is written. No hourly billing, no surprise invoices. The Roadmap phase (week 2) gives you a detailed scope and price, and we stick to it.
How we differ from generic development shops
Most agencies treat fintech like any other app. We treat compliance and security as core features.
Generic shops often skip compliance until the end, leading to costly rework. They use hourly billing and vague timelines. IRPR builds compliance into every sprint and delivers on a fixed schedule.
We assign senior engineers only - no juniors. Every project has a dedicated architect, a QA engineer, and a DevOps lead. You get a single point of contact and weekly demos.
- Hourly billing with no cap
- Junior developers on your project
- Compliance added after launch
- Vague timelines that slip
- No dedicated QA or DevOps
- Code ownership unclear
- Fixed price from week 2
- Senior engineers only (10+ years avg)
- PCI-DSS / SOC 2 built in from sprint 1
- 12-week MVP guarantee
- Dedicated QA and DevOps on every project
- Full code ownership, no licensing fees
Our process for building your fintech platform
We follow a four-phase process that de-risks your investment and delivers a working product fast.
Phase 1 (Idea) is a 1-week discovery where we map your requirements, compliance needs, and target users. Phase 2 (Roadmap) delivers a fixed-price proposal with a detailed technical specification.
Phase 3 (Product) is the build: 8-12 weeks of sprints with weekly demos. Phase 4 (Release) includes deployment, monitoring setup, and a 30-day warranty.
What ships with every fintech project
You get more than code. Every delivery includes the infrastructure, documentation, and tools to run your platform.
We don't just hand over a repository. We set up CI/CD pipelines, monitoring, and compliance documentation. Your team can take over immediately or we can continue as your development partner.
All projects include a 30-day post-launch support period. We fix any bugs and help with the first production issues.
- Source code in your private GitHub repo
- CI/CD pipeline on GitHub Actions or GitLab CI
- Infrastructure as code (Terraform) for AWS or GCP
- Sentry error tracking and Datadog monitoring
- PCI-DSS or SOC 2 compliance documentation
- API documentation (Swagger/OpenAPI)
- Unit and integration tests (80%+ coverage)
- Deployment runbook and architecture diagram
- Admin dashboard for managing users and transactions
- 30-day post-launch warranty and support
What we ship in this practice.
Payment gateway for an ecommerce marketplace
Built a custom payment gateway that reduced transaction failure by 30% and cut settlement time from 3 days to 24 hours. Tech stack: Node.js, Stripe Connect, PostgreSQL, AWS Lambda.
Digital wallet for cross-border remittance
Developed a mobile wallet that enabled instant transfers to 20 countries. Cut transfer time from 3 days to 10 minutes. Tech stack: React Native, Plaid, Firebase, Twilio.
Lending platform for small business loans
Automated underwriting and loan origination, reducing approval time from 2 weeks to 24 hours. Processed $50M in loans in the first year. Tech stack: Python, PostgreSQL, Experian API, AWS.
Robo-advisor for wealth management
Built a portfolio management system that handles $200M in assets. Integrated with Alpaca for trading and Plaid for account aggregation. Tech stack: React, Python, PostgreSQL, AWS.
Fraud detection system for a payment processor
Deployed a machine learning model that reduced false positives by 40% and caught 95% of fraudulent transactions. Tech stack: Python, AWS SageMaker, Redis, Kafka.
Compliance platform for a crypto exchange
Built a KYC/AML screening system that processes 10,000 verifications per day. Integrated with Onfido and Chainalysis. Tech stack: Node.js, React, PostgreSQL, AWS.
Why teams hire us.
Fixed price, not hourly
Every project gets a fixed quote in the Roadmap phase (week 2). No hourly billing, no surprise invoices, no scope creep charges. You know the cost before we start building.
Senior engineers only
Our team averages 10+ years of experience. No juniors, no outsourced labor. Every developer has built and deployed fintech systems in production.
12-week MVP guarantee
We deliver a production-ready MVP in 12 weeks or less. 98% of our projects ship on time. If we miss the deadline, we discount the next phase.
Full code ownership
You own all source code, infrastructure scripts, and documentation. No licensing fees, no vendor lock-in. You can take the product anywhere.
Compliance built-in
We embed PCI-DSS, SOC 2, and KYC/AML controls from sprint 1. Our compliance checklist is audited by third-party firms. No last-minute surprises.
200+ products shipped
We have built and launched over 200 products across 50 countries. Our portfolio includes payment systems, lending platforms, and wealth management tools used by millions.
Idea → Roadmap → Product → Release.
Every engagement runs through the same four-stage pipeline. Predictable by design.
Questions clients ask first.
Related services and industries.
Ready to build? Let's talk.
30-minute discovery call. No deck. We'll tell you honestly what it takes, how long, and how much.
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