Fintech Application Development SolutionsDevelopment Solutions
We build secure, compliant fintech apps for startups and enterprises. Get an MVP in 12 weeks with fixed pricing.
IRPR builds fintech application development solutions using React, Node.js, PostgreSQL, Stripe, Plaid, and AWS. Every project starts with a compliance audit and ends with a production-ready platform.
We ship source code, CI/CD pipelines, and infrastructure as code. Timeline is 12-14 weeks for an MVP. Pricing is fixed: $100,000 to $300,000 depending on scope. All projects meet PCI-DSS and SOC 2 standards.
Fintech startups hire us to launch MVPs fast. Community banks use us to modernize core systems. Payment companies need scalable APIs. Wealth management firms require compliant trading platforms.
Types of software we ship.
Payment processing platform
Handle transactions, subscriptions, and payouts with Stripe, Braintree, and custom gateways. PCI-DSS Level 1 compliant.
Digital wallet app
Multi-currency wallets with P2P transfers, QR payments, and loyalty rewards. Integrates Plaid for bank linking.
Lending and loan management system
Automate underwriting, disbursement, and collections. Uses credit scoring APIs and document verification.
Investment and trading platform
Real-time portfolio tracking, order execution, and robo-advisory. Connects to brokerage APIs like Alpaca and TD Ameritrade.
Personal finance management app
Budgeting, expense tracking, and savings goals with Plaid data aggregation. Uses machine learning for spending insights.
Insurance (InsurTech) platform
Policy management, claims processing, and risk assessment. Integrates with third-party data sources for automated underwriting.
Crowdfunding platform
Equity, reward, or donation-based crowdfunding. Supports payment splitting, investor verification, and SEC compliance.
Regulatory compliance (RegTech) system
AML/KYC checks, transaction monitoring, and audit trails. Uses OpenAI for document analysis and anomaly detection.
We build for every business type.
Banking
Payments
Lending
Investments
Insurance
Why fintech application development needs a specialized team
Building fintech software requires deep compliance knowledge and secure architecture.
Generic development shops often miss critical security and regulatory requirements. A single PCI-DSS violation can cost $500,000 in fines. IRPR builds fintech applications with compliance built in from day one.
We have shipped over 200 products across 50 countries. Our teams include engineers with 10+ years of experience in financial systems. Every project includes a dedicated security review and penetration testing.
Generic dev shops vs IRPR for fintech
Most agencies lack fintech-specific expertise and compliance knowledge.
Generic shops treat fintech like any other web app. They skip encryption, use shared hosting, and have no audit trails. This leads to security breaches and regulatory fines.
IRPR builds every fintech application with PCI-DSS Level 1 compliance, SOC 2 controls, and full audit logging. We use dedicated AWS environments with encryption at rest and in transit.
- No PCI-DSS experience
- Hourly billing leads to budget overruns
- No dedicated QA for financial data
- Uses shared hosting without SOC 2
- No audit trails
- Slow to implement encryption
- PCI-DSS and SOC 2 compliance built-in
- Fixed price contracts
- Dedicated QA and security testing
- AWS with encryption at rest and in transit
- Full audit logs
- Implement encryption by default
How we build your fintech application
Our process from idea to release.
Every fintech project follows a four-phase process. We start with a discovery sprint to map compliance requirements and user flows. Then we architect the system with security in mind.
Development happens in two-week sprints with continuous security reviews. The final phase includes deployment to production with monitoring and a 30-day support period.
What ships with every fintech project
All deliverables included in the fixed price.
You get full ownership of everything we build. No hidden fees, no ongoing royalties.
- Source code in private GitHub repo
- CI/CD pipeline with GitHub Actions
- Sentry error tracking
- AWS infrastructure as code (Terraform)
- PCI-DSS compliance documentation
- API documentation (Swagger/OpenAPI)
- Unit and integration tests
- Load testing report
- User acceptance testing environment
- Post-launch monitoring dashboard
What we ship in this practice.
Mobile payment app for a fintech startup
Built a peer-to-peer payment app using React Native, Node.js, and Plaid. The app processed $2M in transactions in the first quarter and reduced payment settlement time from 3 days to instant.
Loan origination system for a community bank
Developed a custom loan origination platform with automated underwriting using Python, PostgreSQL, and AWS. The bank reduced loan processing time by 60% and cut operational costs by 40%.
Robo-advisor platform for an investment firm
Created an automated investment management platform with portfolio rebalancing using React, Go, and AWS Lambda. The firm acquired 5,000 users in 6 months and manages $50M in assets.
Insurance claims management system for an InsurTech
Built a claims processing system with AI document extraction using Next.js, Python, and OpenAI. Reduced claims processing time from 2 weeks to 48 hours.
Digital wallet for a remittance company
Developed a multi-currency digital wallet using Flutter, Node.js, and Stripe Connect. The company processed $10M in cross-border transfers in the first year.
Regulatory compliance dashboard for a fintech
Created a real-time compliance monitoring dashboard using React, PostgreSQL, and Apache Kafka. The system tracks 50+ regulatory requirements and reduced audit preparation time by 70%.
Why teams hire us.
Fixed price, not hourly
Every fintech project gets a fixed quote after the Roadmap phase (week 2). No hourly billing, no surprise invoices. Our clients save an average of 30% compared to hourly agencies.
PCI-DSS and SOC 2 by default
All fintech applications are built with PCI-DSS Level 1 and SOC 2 Type II compliance from day one. We include encryption, access controls, and audit logs as standard features.
12-week MVP delivery
We ship a production-ready MVP in 12 weeks. Our record is 8 weeks for a payment processing platform. You own the code and infrastructure from day one.
Senior engineers only
Our team consists of engineers with 10+ years of experience. No junior developers. Every code review is done by a senior architect with fintech background.
Full code ownership
You own all source code, documentation, and infrastructure. There are no licensing fees or ongoing royalties. We hand over everything in your private GitHub repository.
Post-launch support included
Every project includes 30 days of post-launch support with 4-hour response time. We monitor uptime (99.9% SLA) and fix critical issues within 2 hours.
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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