Outsource Fintech DevelopmentFintech Development
We build PCI-DSS compliant financial platforms. 12-week MVP with senior engineers.
IRPR builds custom fintech software for payment platforms, lending systems, and digital banking apps. We use Next.js, Node.js, PostgreSQL, AWS, and React Native to meet PCI-DSS and SOC 2 compliance.
Every fintech project ships in 12 weeks for $80K-$250K fixed price. You get full source code ownership and a CI/CD pipeline on day one.
We work with fintech founders who need an MVP, banks digitizing legacy systems, payment companies expanding features, and wealth managers building client portals.
Types of software we ship.
Payment processing platform
Process $10M+ monthly with Stripe Connect or Braintree. Includes fraud detection via Sift or Riskified.
Lending/credit management system
Originate, underwrite, and service loans with integrated credit checks via Experian or TransUnion.
Digital banking app
Full-featured mobile app for deposits, transfers, and budgeting. Built with React Native and Plaid for account linking.
Investment/trading platform
Real-time market data, portfolio management, and order execution via Alpaca or Interactive Brokers API.
Personal finance management (PFM)
Aggregate accounts, track spending, and generate reports using Plaid, MX, or Yodlee.
Insurtech platform
Policy administration, claims processing, and quoting with compliance for NAIC and state regulations.
Regtech/compliance solution
Automate KYC/AML checks, transaction monitoring, and audit trails with Onfido, Jumio, or ComplyAdvantage.
Crypto/blockchain wallet
Securely store, send, and receive digital assets. Supports Ethereum, Solana, Bitcoin via Web3.js and MetaMask integration.
We build for every business type.
banking and credit unions
fintech startups
insurance and risk
investment and wealth management
payment and remittance
Fintech development at scale
We have shipped over 200 fintech products worldwide.
Our team of senior engineers has built payment systems handling $50M+ monthly. We maintain 99.9% uptime and SOC 2 Type II certification across all deployments.
Each project starts with a 2-week Roadmap phase that defines architecture, compliance requirements, and a fixed price. You get a clear timeline and deliverables before any code is written.
Why outsource to IRPR
Generic offshore dev shops can't handle fintech compliance.
Fintech projects require PCI-DSS, SOC 2, and often HIPAA. Most developers don't know the regulatory landscape.
IRPR assigns a dedicated compliance lead to every fintech project. We map requirements during the Roadmap phase and test against them in every sprint.
- No compliance expertise
- Hourly billing with scope creep
- 3-5 month delivery
- No source code ownership guarantee
- Junior developers
- No post-launch support
- PCI-DSS and SOC 2 built in
- Fixed price from Roadmap
- 12-week MVP delivery
- Full source code ownership
- Senior engineers only (10+ yrs)
- 3 months of free support included
Our fintech development process
We follow a structured 4-phase approach.
Phase 1 is the Roadmap - a 2-week engagement where we define requirements, choose the tech stack, and lock a fixed price. You get a detailed document with wireframes, user stories, and compliance checklist.
Phase 2 is Product - we build your MVP in 8-10 weeks using agile sprints. You see progress every week and test on staging before launch.
Every fintech project ships with
You get a complete, production-ready system.
No black boxes. No withheld code. Everything you need to run and scale your fintech product.
- Source code in your private GitHub repo
- CI/CD pipeline with GitHub Actions
- Cloud infrastructure on AWS with Terraform
- PCI-DSS compliance documentation
- Sentry error tracking and monitoring
- Plaid or Stripe integration for payments/accounts
- Automated KYC/AML checks via Onfido
- RESTful API documentation (Swagger)
- Responsive web app and/or React Native mobile app
- 3 months of free post-launch support
What we ship in this practice.
Neobank mobile app for Latin America
Built a full digital banking app with deposit accounts, transfers, and bill pay. Integrated Plaid and Stripe. Reduced customer onboarding time by 60% with automated KYC via Onfido. Tech stack: React Native, Node.js, PostgreSQL, AWS.
Peer-to-peer lending platform
Developed an automated loan origination and servicing system. Integrated credit checks via TransUnion and document verification with Jumio. Processed $5M in loans in the first quarter. Tech stack: Next.js, Python FastAPI, MongoDB, Docker.
Real-time trading dashboard
Built a web app for day traders with live charting, order execution via Alpaca, and portfolio analytics. Reduced manual order entry by 90%. Tech stack: React, WebSocket, Express, PostgreSQL, Alpaca API.
Insurance claims management portal
Created a cloud-based system for adjusters to process claims, manage documents, and generate reports. Cut claims processing time from 2 weeks to 3 days. Tech stack: Vue.js, Ruby on Rails, MySQL, AWS S3.
Payment gateway with fraud detection
Engineered a white-label payment gateway supporting 10+ currency pairs. Integrated Sift for real-time fraud scoring. Handles $30M monthly volume with 99.99% uptime. Tech stack: Go, React, Redis, Stripe Connect.
Crypto wallet for decentralized exchange
Developed a non-custodial wallet supporting Ethereum, Polygon, and Solana. Integrated WalletConnect and MetaMask. Achieved 100k+ downloads in the first month. Tech stack: Flutter, Web3.js, Solidity, IPFS.
Why teams hire us.
Fixed price, not hourly billing
Every fintech project gets a fixed quote after the 2-week Roadmap phase. No hourly billing, no surprise invoices. Our average MVP costs $80K-$250K with a clear scope.
Compliance built in from day one
We map PCI-DSS, SOC 2, and HIPAA requirements during the Roadmap. Every sprint includes compliance checks. Your product is ready for audits on launch day.
Senior engineers only
We hire senior developers with 10+ years of experience in fintech. No junior staff. Each team includes a dedicated compliance lead and a DevOps engineer.
Full code ownership
You own all source code, IP, and documentation. We never license or rent code. You get full access from day one with no restrictions.
12-week MVP guarantee
From Roadmap to production in 12 weeks. We have delivered 200+ MVPs on schedule. If we miss the deadline, we work for free until it ships.
3 months free support
After launch, we provide 3 months of free bug fixes and maintenance. You have a dedicated Slack channel with the engineering team for quick responses.
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.