Professional Fintech Development AgencyDevelopment Agency
IRPR builds secure fintech software for startups and enterprises. Get a compliant MVP in 12 weeks with fixed pricing.
IRPR is a professional fintech development agency that builds secure, scalable financial software. We use Node.js, React, Python, PostgreSQL, and AWS to deliver production-ready apps that pass PCI-DSS audits.
Every project ships in 8-12 weeks with a fixed price between $80K and $250K. Our team of senior engineers handles compliance, integrations, and deployment so you can launch fast without security risks.
We work with fintech startups needing an MVP, payment companies scaling their infrastructure, lending platforms requiring regulatory compliance, and enterprise banks modernizing legacy systems.
Types of software we ship.
Payment Gateway
Process transactions with Stripe, Braintree, or custom gateways. Supports ACH, credit cards, and digital wallets.
Lending Platform
Automate loan origination, underwriting, and servicing. Integrates with Plaid for income verification and credit bureaus.
Digital Wallet
Store funds, send money, and manage balances. Built with Firebase, blockchain APIs, and bank-level encryption.
Investment App
Enable stock trading, robo-advisory, or portfolio tracking. Connects to Alpaca, Polygon, or Plaid for market data.
Crypto Exchange
Trade cryptocurrencies with order books, liquidity pools, and KYC/AML checks. Uses Web3, Ethereum, and Solana APIs.
InsurTech Platform
Quote, underwrite, and manage insurance policies. Integrates with Guidewire, Salesforce, and third-party risk APIs.
RegTech Compliance Tool
Automate regulatory reporting, audit trails, and sanctions screening. Built with AWS Lambda, PostgreSQL, and SOC 2 controls.
Personal Finance App
Track spending, set budgets, and forecast savings. Uses Plaid for account aggregation and machine learning for categorization.
We build for every business type.
Banking
Payments
Lending
Insurance
Wealth Management
Fintech development that ships fast
IRPR delivers production-ready fintech software in 12 weeks.
Our team of senior engineers has shipped over 200 products for fintech companies in 50+ countries. Every project starts with a 2-week Roadmap phase where we define scope, compliance requirements, and a fixed price.
We use PCI-DSS compliant infrastructure on AWS with automated security scanning and penetration testing. Our process ensures you pass audits before launch.
Generic dev shop vs IRPR
Most agencies overpromise and underdeliver on compliance.
A generic development shop might build a fintech app, but they rarely understand PCI-DSS data handling or SOC 2 controls. You end up with rework, delays, and security gaps.
IRPR builds fintech software with compliance built in from day one. Our senior engineers have delivered payment systems, lending platforms, and crypto exchanges that pass regulatory audits.
- No PCI-DSS or SOC 2 expertise
- Hourly billing with no cap
- You don't own the source code
- Junior developers on your project
- No automated compliance testing
- Handoff without documentation
- PCI-DSS and SOC 2 compliant from start
- Fixed price per project (no surprises)
- You own 100% of the code
- Senior engineers only (10+ years avg)
- Automated security + compliance checks
- Full documentation and CI/CD pipeline
Our fintech development process
From idea to production in 12 weeks.
We follow a four-phase process that eliminates guesswork. Each phase has clear deliverables and a fixed price, so you know exactly what you get and when.
No scope creep, no hidden costs. Just a professional fintech development agency that ships on time.
What ships with your fintech MVP
Every project includes these deliverables.
- Source code in your private GitHub repo
- CI/CD pipeline on GitHub Actions
- Sentry error tracking
- Unit and integration tests (80%+ coverage)
- PCI-DSS compliant infrastructure on AWS
- Automated security scanning (Snyk)
- API documentation (OpenAPI/Swagger)
- Deployment runbook and architecture diagram
- Admin dashboard with user management
- 1 month of post-launch support
What we ship in this practice.
Peer-to-Peer Lending Platform
Built a P2P lending MVP that connects borrowers with investors. Reduced manual underwriting from 3 days to 15 minutes. Used Node.js, React, PostgreSQL, and Plaid for income verification.
Payment Gateway for Ecommerce
Developed a custom payment gateway handling $2M in monthly transactions. Achieved 99.9% uptime and passed PCI-DSS Level 1 audit. Tech stack: Go, React, Stripe Connect, AWS.
Digital Wallet for Remittances
Created a multi-currency digital wallet for cross-border transfers. Reduced transfer fees by 40% using blockchain settlement. Built with React Native, Node.js, and Firebase.
Robo-Advisor Investment App
Launched a robo-advisor that manages $50M in assets. Automated portfolio rebalancing and tax-loss harvesting. Used Python, React, Alpaca API, and AWS Lambda.
Crypto Exchange with Fiat Ramp
Built a regulated crypto exchange with fiat on/off ramps. Processed 10,000+ trades per day with sub-second order matching. Stack: Rust, React, Web3, and Fireblocks custody.
InsurTech Claims Management
Developed a claims portal for a property insurer. Reduced claim processing time from 2 weeks to 3 days. Integrated with Guidewire and Stripe for payouts. Used React, Node.js, and PostgreSQL.
Why teams hire us.
Fixed price, not hourly
Every fintech project gets a fixed quote after the 2-week Roadmap phase. No hourly billing, no surprise invoices, no scope creep charges.
You own the code
IRPR writes code in your GitHub repository from day one. When the project ends, you have full ownership with no licensing fees or lock-in.
Compliance built in
We build to PCI-DSS, SOC 2, and GDPR standards from the first sprint. Our infrastructure is audited by third-party security firms.
Senior engineers only
Every developer on your project has 10+ years of experience. No juniors, no offshore teams, no turnover during your build.
Async-first, time zone overlap
We work async with daily overlap during US business hours. You get a dedicated project manager and weekly video demos.
12-week MVP guarantee
We have delivered over 200 MVPs in 8-12 weeks. Our process is optimized for speed without cutting corners on compliance or security.
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.