Full-Stack Fintech Development ServicesFintech Development
We build compliant payment, lending, and banking platforms. Your MVP ships in 12 weeks with a fixed price.
IRPR builds full-stack Fintech platforms for startups and enterprises. We use Node.js, Python, React, React Native, PostgreSQL, and AWS to deliver PCI-DSS and SOC 2 compliant software. Every project includes automated CI/CD, encryption at rest and in transit, and audit logging from day one.
Your fintech MVP ships in 12 weeks with a fixed price ranging from $80,000 to $250,000 depending on scope. We handle compliance certification prep, third-party integrations (Plaid, Stripe, Finicity), and regulatory reporting. 200+ products shipped across 50+ countries confirm our process works.
We work with Fintech founders building their first payment app, established lenders wanting to modernize legacy systems, wealth management firms needing custom portfolio dashboards, and insurtech companies launching digital claims platforms. Every client gets a senior team of 4-5 engineers.
Types of software we ship.
Payment processing platform
A system that authorizes, captures, and settles transactions via cards, ACH, or crypto. Integrates with Stripe, Adyen, or Fiserv.
Lending and credit platform
Automates underwriting, loan origination, servicing, and collections. Uses Plaid for income verification and TransUnion for credit checks.
Digital banking app
A mobile-first neobank with checking, savings, cards, and transfers. Built on Synapse or Galileo core banking APIs.
Wealth management portal
Client dashboard with portfolio tracking, rebalancing, and trading. Integrates with Apex Clearing or Alpaca APIs.
Crypto exchange platform
Spot and margin trading with KYC/AML, order book management, and wallet custody. Uses Fireblocks for security.
Invoice and billing system
Recurring invoicing, payment reminders, and reconciliation for B2B or B2C businesses. Connected to QuickBooks or Xero.
Regulatory reporting engine
Generates FinCEN, SEC, or state-level reports automatically. Uses rule engines and data pipelines from Kafka.
Insurtech claims platform
Policy management, claim filing, fraud detection, and payout automation. Built with Python, React, and AWS Lambda.
We build for every business type.
Payment companies
Lenders and credit
Wealth and investments
Banking and neobanking
Insurance tech
Why full-stack Fintech development needs compliance-first architecture
Fintech software must pass PCI-DSS and SOC 2 audits before launch. We build compliance into every layer.
A typical fintech app handles credit card numbers, bank account details, and personally identifiable information. PCI-DSS requires encryption, access controls, and regular penetration testing. SOC 2 demands security, availability, and confidentiality controls across your infrastructure.
IRPR engineers use Terraform to provision PCI-compliant VPCs on AWS with automatic security group rules, encryption key rotation via AWS KMS, and centralized logging to CloudWatch. We ship your app with a pre-configured audit trail ready for any assessment.
What sets IRPR apart from generic dev shops
Most agencies treat compliance as an afterthought. IRPR treats it as a requirement from day one.
Generic development shops often start building with no security architecture. They write code, then later try to add encryption and logging. This approach leads to expensive rewrites and delayed launch.
IRPR starts every fintech project with a compliance roadmap. We define data flow diagrams required for PCI-DSS, set up immutable infrastructure, and only then write business logic. The result is an MVP that passes a SOC 2 Type II audit with zero rework.
- No compliance expertise in team
- Adds encryption after MVP
- Hourly billing with scope creep
- No audit trail built-in
- Uses shared hosting or non-PCI cloud
- Delivers code without documentation
- Dedicated compliance engineer on every project
- Encryption at rest and transit from sprint 1
- Fixed price from Roadmap phase
- AWS VPC with CloudTrail audit logs
- PCI-DSS Level 1 compliant infrastructure
- Full technical documentation for SOC 2 audits
Our full-stack Fintech development process
A 12-week sprint from idea to production-ready fintech MVP.
Week 1-2: Roadmap. We audit your compliance requirements, map data flows, and produce a fixed-price contract. Week 3-10: Build. Two-week sprints with daily standups, code review, and automated testing. Week 11-12: Release. We deploy to PCI-compliant infrastructure, run load tests, and hand over source code.
Each sprint includes a compliance check. Our security lead reviews encryption, access control, and logging before any merge. We ship a fully documented API with Postman collections and a deployment playbook.
What ships with every full-stack Fintech project
You own everything. No monthly fees, no vendor lock-in.
Every fintech engagement ends with full code ownership. We deploy the application to your AWS account under your control. All documentation, CI/CD configurations, and compliance evidence are handed over in the final week.
We also provide a 30-day warranty to fix any post-launch issues. After that, you can maintain the system internally or engage us for ongoing enhancements at a fixed monthly rate.
- Full source code in your private GitHub repo
- CI/CD pipeline with GitHub Actions and AWS CodePipeline
- Dockerized application with ECS or EKS deployment
- PCI-DSS compliant VPC with WAF and Shield
- User authentication via Auth0 or Cognito
- Stripe, Plaid, or custom payment integration
- Compliance audit trail with AWS CloudTrail
- Postman API collections and Swagger docs
- Load testing report (k6, Artillery)
- 1-hour emergency support for first 30 days
What we ship in this practice.
BNPL checkout platform for a fintech startup
Built a buy-now-pay-later checkout widget that integrated with Shopify and WooCommerce. Used Node.js, React, Stripe, and Plaid. Reduced checkout abandonment by 18% and processed $1.2M in transactions in the first quarter.
Neobank mobile app for underbanked users
Developed a full digital banking app with FDIC-insured accounts via Synapse, virtual debit cards, and instant transfers. Tech stack: React Native, Python, PostgreSQL on AWS. Achieved 40K downloads in 3 months.
Automated mortgage underwriting system
Created a platform that ingests borrower data from Plaid, runs credit checks via Experian, and generates pre-approval letters. Built with Python, FastAPI, and Docker. Reduced underwriting time from 5 days to 4 hours.
Commodities trading dashboard for a hedge fund
Built a real-time trading interface with order execution via Interactive Brokers API. Tech stack: React + D3.js, C# backend, TimescaleDB. Reduced trade execution latency by 60%.
Insurance claim processing engine for an insurtech
Developed a workflow automation system that triages claims, detects fraud using ML (TensorFlow), and triggers payouts. Stack: Python, Airflow, AWS Step Functions. Processed 2000+ claims per day with 95% auto-approval rate.
Remittance platform for a Latin America startup
Enabled cross-border transfers between US and Mexico using SWIFT and local rails. Used Node.js, React, and AWS Lambda. Handled $500K in monthly volume with 99.9% uptime.
Why teams hire us.
Fixed price, not hourly billing
Every fintech project gets a fixed quote after the 2-week Roadmap phase. No surprises, no time tracking. Budget ranges from $80K to $250K for a full-stack MVP.
Senior engineers only
Our teams consist of staff engineers with 8+ years of experience. No junior developers, no offshore body shops. Each project is led by a principal engineer who has shipped fintech apps before.
Compliance built-in from sprint one
We write encryption, access control, and audit logging into your application before any business logic. This means your PCI-DSS and SOC 2 evidence is ready at launch, not after months of rework.
200+ products shipped across 50+ countries
Our portfolio includes fintech apps for startups in New York, London, and Singapore. We understand global regulatory variations like GDPR, PSD2, and local data residency requirements.
12-week MVP guarantee
We ship a production-ready fintech MVP in 12 weeks. If we miss the deadline, we work the extra weeks at no cost. This deadline has been met for every project since 2019.
Full code ownership and data portability
You own the code, the infrastructure, and the data. We deploy to your AWS account. No monthly license fees, no vendor lock-in. You can take over maintenance anytime.
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.