Compliance and security requirements creating architectural complexity your current team doesn't have experience with?
Third-party financial API integrations (payment processors, banking APIs, market data) taking longer than expected?
Fintech apps built with the compliance architecture and security standards financial services requires -- payment platforms, lending products, investment tools, and operational finance applications.
100+ products shipped since 2019 across fintech, banking, and financial services. We understand the regulatory constraints, third-party API integrations, and security requirements that define fintech development.
PCI-DSS, SOC 2, and financial regulatory compliance architecture designed in from the start
Payment processor integration (Stripe, Plaid, Dwolla, Marqeta) and open banking APIs
KYC/AML identity verification workflows with third-party provider integration
iOS, Android, and web delivery with banking-grade security standards
RaftLabs builds fintech app development solutions -- payment platforms, lending software, neobank products, wealth management tools, KYC/AML systems, and financial dashboard applications for iOS, Android, and web. Fintech app development requires compliance-ready architecture (PCI-DSS, SOC 2, FCA, SEC requirements depending on the product), third-party API integration (payment processors, banking APIs, market data), and security standards that financial services buyers require. We've shipped fintech apps across payments, lending, and operational finance verticals. Most fintech app projects deliver in 10--20 weeks at a fixed cost.
A payment platform without PCI-DSS compliance can't process cards. A lending product without KYC/AML integration can't onboard customers. An investment tool without SOC 2 compliance can't close enterprise deals. The compliance architecture isn't a feature you add after launch -- it's a constraint that shapes every architectural decision from day one.
We build fintech apps with compliance as a first-class engineering requirement, not an afterthought.
Payment processing applications with Stripe, Braintree, or Adyen integration -- payment flows, refund management, dispute handling, and payout automation. Split payment and marketplace payment routing for two-sided platforms. PCI-DSS compliant architecture with card data never touching your servers. International payment support with multi-currency, FX handling, and local payment method integration.
Loan origination, underwriting workflow, and repayment management applications for consumer and B2B lending products. Credit decision logic with bureau integration (Experian, Equifax, TransUnion), alternative data scoring, and configurable underwriting rules. Repayment scheduling, payment processing, and collections workflow. Regulatory compliance for consumer lending (Truth in Lending Act, state lending regulations) designed in from the start.
Banking application development for neobanks and fintech companies operating under banking-as-a-service (BaaS) partnerships -- account opening with KYC, card management, transaction history, spending analytics, and push notification for account events. Marqeta, Galileo, or Unit BaaS integration for card issuance and account management. White-label apps with your brand built on top of BaaS infrastructure.
Investment platforms, portfolio management tools, and robo-advisory applications. Market data integration (Alpaca, Polygon, Interactive Brokers), real-time portfolio valuation, and trade execution workflows. Brokerage account integration via OAuth for position and transaction data import. Compliance tooling for SEC-registered investment advisors (RIA) and broker-dealers.
Identity verification and KYC/AML onboarding flows integrated with verification providers (Onfido, Persona, Jumio, Stripe Identity). Document capture, facial biometric matching, and sanctions screening. Risk-tiered onboarding with enhanced due diligence workflows for high-risk customers. Ongoing transaction monitoring with AML alert generation. The compliance infrastructure that lets you onboard customers legally and at scale.
Internal financial operations tools -- treasury management dashboards, reconciliation workflow applications, settlement reporting, and finance team tooling that automates what's currently done in spreadsheets. Custom analytics for transaction data, revenue recognition, and financial reporting that integrates with your accounting system and banking providers.
Frequently asked questions
Compliance requirements depend on your specific fintech product: PCI-DSS applies if you handle card data (required for any payment processing). SOC 2 is required by enterprise buyers and institutional clients evaluating your security posture. Money transmission licensing (state MTLs or federal MSB registration) applies if you move money between parties rather than just processing payments. Consumer lending regulation (TILA, state usury laws, CFPB requirements) applies to loan products. FINRA/SEC registration requirements apply to investment platforms and broker-dealers. We identify the applicable compliance framework during scoping and design the architecture to meet those requirements. Your legal and compliance counsel specifies the regulatory requirements; we implement the engineering controls.
We integrate with payment processors based on your specific requirements. Stripe is the most common choice -- well-documented, global, and supports most fintech use cases. For marketplace payments, Stripe Connect handles split payments and payouts. For ACH bank transfers, Plaid for bank account linking and Dwolla for ACH processing. For card issuance (issuer-side), Marqeta or Galileo. For high-volume enterprise or international requirements, Adyen or Braintree. Card data never touches your servers -- we use payment processor tokenisation and hosted payment fields to maintain PCI-DSS compliance without the complexity of full PCI certification.
KYC/AML implementation requires integrating with identity verification providers, sanctions screening databases, and implementing your compliance team's customer risk policies. We integrate with your chosen KYC provider (Onfido, Persona, Jumio, or Stripe Identity for document verification and biometric matching), OFAC/sanctions screening APIs, PEP databases, and your AML monitoring requirements. The KYC workflow is configurable for your risk appetite -- simple ID verification for lower-risk customers, enhanced due diligence for higher-risk segments. Ongoing transaction monitoring thresholds and SAR filing workflows are designed with your compliance officer's input.
A focused fintech app -- payment processing with Stripe, KYC onboarding, and a web dashboard -- typically runs $30,000--$80,000. A complete fintech product with native iOS and Android apps, lending or investment functionality, BaaS integration, KYC/AML, and compliance architecture runs $80,000--$200,000+. Fintech development costs more than typical software development because of compliance architecture, third-party integration complexity, and security requirements. We scope every project before pricing it and provide a fixed cost before development starts.
Tell us the financial product you're building, the regulatory context, and the integrations you need. We'll scope the right architecture and give you a fixed cost.