Fintech Development CompanyDevelopment Company
We build compliant fintech apps for startups and enterprises. Ship your MVP in 8-12 weeks with fixed pricing.
IRPR is a fintech development company that builds payment systems, lending platforms, and investment apps. We use React, Node.js, Python, and AWS to deliver production-ready software that meets strict regulatory standards.
Your fintech MVP ships in 8-12 weeks with fixed pricing from $80K to $250K. Every project includes PCI-DSS or SOC 2 compliance built into the development process from day one.
We work with fintech founders launching their first product, bank innovation teams modernizing legacy systems, payment companies scaling their infrastructure, and wealth management firms building robo-advisors.
Types of software we ship.
Payment Gateway
Process credit cards, ACH, and digital wallets with Stripe Connect or Adyen. Handles recurring billing and multi-currency.
Lending Platform
Automate loan origination, underwriting, and servicing. Integrates with Plaid for income verification and credit bureaus.
Robo-Advisor
Algorithmic portfolio management with rebalancing and tax-loss harvesting. Built with React, Python, and AWS Lambda.
Crypto Exchange
Buy, sell, and trade cryptocurrencies with order books and wallet management. Uses WebSockets and PostgreSQL for real-time data.
Neobank Backend
Core banking system with accounts, transfers, and compliance reporting. Built on AWS with microservices and PostgreSQL.
Insurance Claims System
Automate claim intake, adjudication, and payout. Integrates with document OCR and fraud detection APIs.
KYC/AML Compliance Tool
Verify identities and screen against sanctions lists using Onfido and ComplyAdvantage. Generates audit trails for regulators.
Personal Finance App
Track spending, set budgets, and aggregate accounts via Plaid. Mobile-first with React Native and AWS AppSync.
We build for every business type.
Banking
Lending
Payments
Insurance
Wealth Management
Why choose IRPR for fintech development?
We ship fintech software that meets regulatory standards and user expectations.
Every fintech project at IRPR starts with a compliance audit. We map PCI-DSS or SOC 2 controls to your product requirements before writing a line of code.
Our team has built 200+ products across 50 countries. We know what it takes to pass security reviews and scale from MVP to millions of users.
Generic dev shop vs IRPR for fintech
Fintech needs compliance from day one. Most agencies treat it as an afterthought.
A generic development shop might build a working app, but they won't know how to handle PCI-DSS scope or SOC 2 controls. That leads to rework, delays, and failed audits.
IRPR embeds compliance into every sprint. Our senior engineers have built 20+ fintech products that passed security reviews on the first attempt.
- No compliance experience
- Hourly billing with no cap
- No fixed timeline
- No post-launch support
- No security audits
- No dedicated project manager
- PCI-DSS and SOC 2 compliant
- Fixed price contracts
- 8-12 week delivery
- 1-year warranty included
- Penetration testing built in
- Senior engineers only
Our fintech development process
From idea to launch in 8-12 weeks.
We follow a four-phase process that moves from discovery to deployment. Each phase ends with a clear deliverable and a go/no-go decision.
You get full visibility into progress through weekly demos and a shared roadmap. No black boxes, no surprises.
What ships with your fintech MVP
Every deliverable is yours to own and operate.
When IRPR delivers your fintech MVP, you get more than just code. We hand over everything needed to run, maintain, and scale the product.
- Source code in your private GitHub repo
- CI/CD pipeline on GitHub Actions
- Sentry error tracking and performance monitoring
- AWS infrastructure as code (Terraform)
- PCI-DSS compliance documentation
- Unit and integration tests with Jest and Cypress
- API documentation on Swagger
- Admin dashboard with usage analytics
- Mobile-responsive UI for web and React Native
- 1-year post-launch support and bug fixes
What we ship in this practice.
Peer-to-Peer Lending Platform
Built a lending marketplace that matches borrowers with investors. Reduced loan approval time from 5 days to 2 hours using React, Node.js, AWS Lambda, and Plaid for income verification. Processed $5M in loans in the first 6 months.
Neobank Mobile App
Developed a challenger bank app with instant account opening, debit cards, and savings goals. Acquired 50,000 users in 3 months using React Native, Java, PostgreSQL, and SOC 2 compliance. Handled 10,000 transactions per day.
Payment Gateway for Ecommerce
Created a payment gateway that supports credit cards, ACH, and digital wallets. Processed $10M in transactions in the first quarter using Python, Stripe Connect, and AWS. Achieved 99.95% uptime.
Robo-Advisor for Wealth Management
Built an automated portfolio manager with rebalancing and tax-loss harvesting. Saved advisors 20 hours per week on manual rebalancing. Tech stack: Python, React, AWS Lambda, and Plaid for account aggregation.
Insurance Claims Processing System
Automated the end-to-end claims lifecycle from intake to payout. Reduced claim cycle time by 60% using Node.js, React, MongoDB, and document OCR. Integrated with 3 major insurance carriers.
KYC/AML Compliance Tool
Built a compliance dashboard that verifies identities and screens against sanctions lists. Achieved 99% pass rate on identity verification using Python, Django, AWS, Onfido, and ComplyAdvantage. Used by 5 fintech startups.
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.
Senior engineers only
Our team averages 10+ years of experience. No junior developers work on your fintech project. You get a dedicated lead engineer and a project manager.
Compliance built in from day one
We have built 20+ fintech products with PCI-DSS and SOC 2 compliance. Our security audits are built into the development process, not added at the end.
8-12 week MVP delivery
We ship a working MVP in 8-12 weeks. 98% of our projects deliver on time. You can start testing with real users in under 3 months.
Full code ownership
You own all source code, documentation, and IP. No licensing fees, no lock-in, no recurring royalties. The product is 100% yours.
Post-launch support included
Every project includes 1-year of bug fixes and monitoring. We don't disappear after launch. Our support team responds within 4 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.