Fintech software development for founders without a tech team.
If your company moves money, the build has to be right before it can be fast: KYB/KYC verified onboarding, money movement that reconciles to the cent, custody that keeps sole control out of any one party's hands, and a clean path through a SOC 2 audit. We build to a recognized standard and make the system audit-ready against a framework. You own the repo, the keys, the deployment, and the IP from day one.
01 / The short answer
Fintech is where vibe-coded code and opaque agencies cost the most, because the holes you cannot see hold real money.
We have shipped lending platforms, spend-management rails, DeFi protocols, and Bitcoin-backed custody, some delivered with project partners, and the systems run in production. The pattern is always the same: the regulated, security-critical parts get senior judgment on every line, the AI is held to evals we agree up front, and you own everything from the first commit. No hidden juniors, no subcontract roulette, no code held hostage.
Secure-by-design means auth, row-level data isolation, secrets handling, and reconciliation are built in from the start rather than bolted on after a customer asks for your SOC 2 report. We make you audit-ready against a framework so the audit, run by an accredited third party, is a process you pass rather than a wall you hit. When you want that on an ongoing basis, an embedded Engine team carries it through certification and beyond.
Fintech is one of three regulated spaces we build for; the industries hub covers healthcare and Bitcoin as well.
02 / Fintech we have built
Four builds, in production.
Real systems handling multi-currency money movement, verified onboarding, and on-chain custody, scoped to what we built and run.
| Client / Project | What we built | Result |
|---|---|---|
| Peanuds | A B2B spend-management platform: multi-currency accounts, cards, and controls. We owned KYB/KYC verified onboarding and the dense, real-time EUR/GBP/USD dashboard. Delivered with project partner Shahzaib. | Verified onboarding and money movement reconciled to the cent across three currencies, live IBANs in days. |
| BTC Backed | Swiss-regulated Bitcoin-backed loans: the backend, the Bitcoin wallet, and a 2-of-3 multisig escrow no single party can move alone. | 30+ backend feature modules, VQF-regulated in Zug, zero keys the platform holds alone. |
| Chedda Finance | A cross-chain DeFi lending protocol built end to end, from smart contracts up to the dApp front end, with an AI risk engine reading positions in real time. | Contracts to dApp delivered as one owned system, with an AI risk engine at the core. |
| Pitch AI | An AI engine that scores a startup deck like a top-tier VC across 10+ dimensions and bulk-analyzes hundreds of inbound decks for investors. Delivered with project partner Shahzaib. | Deck to scorecard in 30 seconds, used by 500+ VCs and founders. |
Want the same on your build? See how we work or start with a Spark audit. Start a conversation.
03 / What we handle in fintech
The parts that have to be right every time.
Built in from the start, before your first customer asks for a security review.
- + KYB and KYC verified onboarding, integrated with the regulated providers your license requires
- + Multi-currency ledgers and money movement that reconcile to the cent in real time
- + Auth, row-level data isolation, and secrets handling built to a recognized standard from the first commit
- + A clean path to SOC 2, with controls documented and the system made audit-ready against a framework
- + On-chain custody done safely: multisig escrow, wallets, and designs that keep sole control out of any one party's hands
- + AI risk and decision engines held to evals you agree up front and own alongside the code
- + Carrier, bank, and ledger integrations against statements and source systems, end to end
- + Full ownership of repo, docs, prompts, evals, deployment, and IP, with no vendor lock-in
04 / How a fintech build runs
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01
1–2 wks
Spark audit
If you already have something, we read it for security exposure, what will not scale, and what is safe to launch. If you are starting fresh, we pressure-test the idea and scope the build, for a small fixed fee credited in full to a build.
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02
4–8 wks
Forge build
Fixed scope, fixed price, fixed deadline, with published ranges of $15,000 to $50,000 and up. Built to standard, AI judged on pre-agreed evals, signed acceptance criteria. If a build misses, remediation is free against those criteria for roughly six weeks.
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03
Ongoing
Engine team
An embedded team that runs the platform, hardens it, and carries it through a SOC 2 audit and beyond. You stay involved and you keep owning everything.
Reply within one business day, and a fixed price and a date in writing before any code. See the fixed-price build or browse all case studies. Start a conversation.
05 / Common questions
Can you build us toward SOC 2?
Yes. We build to a recognized standard and make the system audit-ready against a framework from the start. We do not sell the certificate or run the audit ourselves, and we never promise you will not be breached, because no honest builder does. What we do is build so the audit goes smoothly, document the controls, and run the system with you through Engine so SOC 2 is a process you can pass. The audit itself is done by an accredited third party.
How do you handle KYB, KYC, and money movement?
We have built verified onboarding and multi-currency money movement in production. For Peanuds we owned KYB/KYC verified onboarding and a dense, real-time EUR/GBP/USD dashboard, the parts that have to be right every time. We integrate the regulated rails and providers your license requires rather than reinventing them, and we hold the AI and the reconciliation logic to evals we agree with you up front.
Do I own the code, the keys, and the infrastructure?
Yes, from the first line. You own the code, the repo, the docs, the prompts, the evals, the deployment, and the IP from day one. For custody-sensitive builds like BTC Backed, the design keeps sole control out of any one party's hands by default. There is no vendor lock-in and no retainer you cannot leave.
We vibe-coded a fintech MVP. Can you tell us if it is safe to launch?
That is exactly what a Spark audit is for. In two to eight weeks we read what shipped: exposed secrets, missing auth, open data, risky dependencies, and the parts that will not hold real money or real load. You get a salvage-or-rebuild call in writing with quantified ROI. The fee is credited in full if you go on to build, and for pre-screened fits the value guarantee applies.
Last updated July 2026 · Talk with Felipe
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