Fintech development case studiescase studies
See how we built compliant fintech products for startups and enterprises. 200+ products shipped across 50+ countries.
IRPR builds fintech software that passes PCI-DSS Level 1, SOC 2 Type II, and HIPAA audits. Our engineers use Next.js, React Native, Python, Go, PostgreSQL, and AWS to create payment platforms, lending apps, and investment dashboards.
Every project ships in 8-12 weeks with a fixed price between $80K and $250K. Compliance is built in from day one, not bolted on after launch. We have delivered fintech products for banks, payment processors, and insurance firms in 50+ countries.
Fintech startups hire us to build their first compliant MVP before fundraising. Series A companies hire us to rebuild legacy systems that fail audits. Enterprise banks hire us to launch new digital products without internal resource constraints. Insurance firms hire us to automate claims and underwriting workflows.
Types of software we ship.
Payment gateway development
Build a payment gateway that processes Visa, Mastercard, and ACH with Stripe Connect or Plaid. PCI-DSS Level 1 certified.
Lending platform development
Build a lending platform with automated underwriting, KYC/AML checks, and loan origination using Plaid and Alloy.
Investment app development
Build an investment app with fractional shares, real-time quotes via Alpaca API, and SEC-compliant reporting.
Personal finance management app
Build a PFM app that aggregates accounts via Plaid, tracks spending, and generates budget reports with machine learning.
Crypto wallet development
Build a non-custodial crypto wallet with multi-chain support (Ethereum, Solana, Polygon) and SOC 2 compliant security.
Insurance claims platform
Build an insurance claims platform with automated document processing, fraud detection, and HIPAA-compliant data storage.
Regulatory reporting system
Build a regulatory reporting system that auto-generates FINRA, SEC, and AML reports using Python and AWS Lambda.
Neobank backend development
Build a neobank backend with core banking APIs, real-time ledger, and compliance modules. Integrates with Synapse or Unit.
We build for every business type.
Payment companies
Lending and credit
Wealth and investment
Insurance and risk
Banking and compliance
Fintech development by the numbers
Our fintech case studies show real results from real projects.
IRPR has shipped over 200 products, with 60+ in fintech alone. Our engineers hold PCI-DSS, SOC 2, and HIPAA certifications. Every project is delivered on time 98% of the time.
We build for startups raising Series A and enterprises processing millions of transactions. Our fixed pricing model means no scope creep. Clients in 50 countries trust us with their most sensitive financial data.
How IRPR builds fintech products differently
Most dev shops skip compliance until the end. We do the opposite.
Fintech development requires audit-ready code from day one. IRPR starts every fintech project with a compliance checklist: PCI-DSS for payments, SOC 2 for SaaS, HIPAA for health data, and state-specific regulations like NYDFS for New York clients.
Our engineers are senior-level only. We do not outsource to junior developers. Every pull request is reviewed by a lead engineer with fintech experience. The result is code that passes security audits on the first try.
- Adds compliance after the build
- Uses junior developers
- Charges by the hour
- No audit experience
- Delays security reviews
- No fixed timeline
- Builds compliance from day one
- Senior engineers only
- Fixed price, not hourly
- PCI-DSS / SOC 2 / HIPAA certified
- Security review in week 2
- 8-12 week delivery guarantee
Our fintech development process in 4 phases
From idea to launch in 8-12 weeks with no surprises.
Every fintech project at IRPR follows the same 4-phase framework: Idea, Roadmap, Product, Release. This keeps scope fixed and delivery predictable.
In the Roadmap phase (week 2), we produce a fixed-price quote and a detailed technical spec. No changes after that without a change order. Clients know exactly what they get and when.
What ships with every fintech project
You own everything. No lock-in, no hidden fees.
Every fintech development project at IRPR includes a standard set of deliverables. These are not optional add-ons. They are part of the fixed price.
We transfer full ownership of the source code, infrastructure, and documentation. You can take the product to any other team after launch.
- Source code in your private GitHub repo
- CI/CD pipeline on GitHub Actions
- Staging and production environments on AWS
- Sentry error tracking and monitoring
- Automated unit and integration tests (80%+ coverage)
- PCI-DSS or SOC 2 compliance documentation
- API documentation with Swagger/OpenAPI
- Admin dashboard for managing users and transactions
What we ship in this practice.
Payment gateway for a Latin American fintech
Built a payment gateway processing 50,000 transactions per month. Integrated Stripe Connect, Plaid for bank verification, and a custom fraud detection engine. Reduced manual reconciliation by 12 hours per week. Tech stack: Next.js, Python, PostgreSQL, AWS.
Lending platform for a US-based startup
Built a consumer lending platform with automated underwriting using Alloy and Plaid. KYC/AML checks run in under 3 seconds. Originated $2M in loans in the first month. Tech stack: React Native, Go, PostgreSQL, AWS Lambda.
Investment app for a UK robo-advisor
Built a robo-advisor app with fractional shares, real-time quotes via Alpaca API, and automated rebalancing. Acquired 10,000 users in 6 months. Passed FCA audit on first submission. Tech stack: React, Python, Django, PostgreSQL, AWS.
Insurance claims platform for a European insurtech
Built an insurance claims platform with automated document processing using OCR and machine learning. Reduced claim processing time from 5 days to 4 hours. HIPAA compliant for health insurance data. Tech stack: Next.js, Python, TensorFlow, AWS S3.
Neobank backend for a Middle Eastern startup
Built a neobank backend with core banking APIs, real-time ledger, and compliance modules. Integrated with Synapse for card issuing and Plaid for account aggregation. Launched in 3 countries with 20,000 users. Tech stack: Go, PostgreSQL, Redis, AWS.
Regulatory reporting system for a US bank
Built a regulatory reporting system that auto-generates FINRA, SEC, and AML reports. Reduced reporting time from 2 weeks to 2 hours. Passed regulatory audit with zero findings. Tech stack: Python, Django, PostgreSQL, AWS Lambda.
Why teams hire us.
Fixed price from day one
Every fintech 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 write a single line of code.
Compliance built in, not bolted on
We start every fintech project with a compliance checklist: PCI-DSS for payments, SOC 2 for SaaS, HIPAA for health data. Code is written to pass audits from the first commit.
Senior engineers only
Every engineer at IRPR has 10+ years of experience. No junior developers. No outsourcing. Every pull request is reviewed by a lead engineer with fintech domain expertise.
8-12 week delivery guarantee
We ship MVPs in 8-12 weeks. Our process is designed for speed without cutting corners. We have delivered on time for 98% of our 200+ projects.
Full code ownership
You own the source code, infrastructure, and documentation. No lock-in. No licensing fees. You can take the product to any other team after launch.
Global delivery with US overlap
Our team works across 50+ countries with 4 hours of overlap with US time zones. You get daily standups, weekly demos, and a dedicated project manager in your time zone.
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.