Fintech software that handles money with precision
Money software has no tolerance for sloppy. A rounding error or a leaked token is not a hotfix, it is a regulator on the phone. We build payment systems, banking platforms, and trading apps where every transaction reconciles and nothing sensitive leaks. Our team has shipped PCI DSS Level 1 work, so security and audit logging are baked in, not patched on later.
Fintech development challenges we solve
Regulatory Compliance
Financial applications must comply with PCI DSS, KYC/AML regulations, and regional financial authority requirements. Non-compliance can result in license revocation.
Transaction Security
Every transaction must be encrypted, authenticated, and auditable. Financial systems are prime targets for fraud and cyberattacks.
Sub-Second Processing
Payment processing, trading systems, and real-time analytics demand sub-second response times under high concurrency loads.
Our fintech development services
Payment Processing Systems
PCI DSS-compliant payment gateways, multi-currency support, automated reconciliation, and fraud detection systems.
Banking & Wallet Applications
Digital banking platforms with account management, fund transfers, bill payments, and biometric authentication.
Trading & Investment Platforms
Real-time trading interfaces, portfolio management dashboards, and automated reporting for regulatory compliance.
Technologies we use for fintech
What we have built
Developed a cryptocurrency trading platform with real-time order matching, wallet management, and KYC verification, processing thousands of transactions daily.
How We Engage
We do not rent you a developer to babysit. You get a senior-led team that ships, in whichever shape fits the work. Pricing is scoped to your project, so you see the number before anyone writes a line of code.
Dedicated team
An embedded squad that works as your own team, on your standups and your board, for as long as you need it.
Fixed-scope build
A defined project with a scoped price and timeline. You know the cost up front, not after.
Pilot sprint
A short paid sprint so you see how we work and what we ship before committing to more.
Fintech compliance and security standards
PCI DSS Level 1 compliance for payment card data handling
KYC/AML verification workflows with Onfido, Jumio, and sanctions screening
AES-256 encryption for financial data at rest and TLS 1.3 in transit
SOC 2 Type II audit-ready infrastructure and access controls
Real-time fraud detection with transaction monitoring and anomaly alerts
Full audit trails that hold up to financial regulator requirements globally
How we build your fintech product
Financial Domain Assessment
We analyze your fintech requirements, including payment flows, regulatory landscape, security needs, and integration points with banks or payment processors.
Compliance-Ready Team Assigned
A senior team with PCI DSS, KYC/AML, and financial systems experience. Every engineer understands transaction security and audit requirements.
Paid Pilot Sprint
We start on your actual fintech project. You see our understanding of payment flows, security protocols, and financial data handling firsthand.
Build & Scale
A flexible engagement with no lock-in. As transaction volume climbs, we pull in security specialists, DevOps engineers, or QA so the platform keeps up with the load.
Enterprise Payment Platform, Thousands of Daily Transactions
Developed a cryptocurrency trading platform with real-time order matching, multi-currency wallets, and automated KYC verification. The system processes thousands of transactions daily with sub-second settlement.
1000s of daily transactionsGeminate Solutions builds custom fintech software for payment companies, neobanks, trading platforms, and financial startups. We are a build partner, not a contractor bench. PCI DSS-compliant work is the core of what we do here: payment gateways, digital wallets, KYC and AML integrations, real-time trading systems. Encryption, fraud detection, and the regulatory paperwork ride along inside every sprint instead of getting bolted on before audit. The dedicated team gets scoped on a call.
Common questions about fintech development
Can you build PCI DSS-compliant payment systems?
Yes. We implement PCI DSS requirements including tokenization, encryption, secure key management, and audit logging. We work with payment processors like Stripe and Razorpay.
Do you have experience with KYC/AML integration?
Yes. We have integrated KYC verification workflows using services like Onfido and Jumio, and implemented AML screening using standard sanctions databases.
How do you handle financial data security?
Encryption from the client through to storage. Role-based access so nobody sees more than their job needs. Audit trails on every sensitive action, all of it running on SOC 2-aligned infrastructure. Security is part of how we write the code, not a review we run at the finish line.
How much does fintech software development cost?
Scope sets the price, not a published rate card. A lean fintech MVP ships in 10-14 weeks at the lighter end. A platform with multi-currency, KYC, and a full banking stack is a multi-month build. The regulatory bar is what really drives it. PCI DSS, KYC/AML, and fraud controls are dedicated engineering, not afterthoughts. Market figures for compliant payment platforms usually run six figures and up. We hand you an itemized number on a free call before any code gets written.
Do you have PCI DSS and KYC compliance experience?
Yes. We have built PCI DSS Level 1 compliant payment systems, integrated KYC providers like Onfido and Jumio, and implemented AML screening with sanctions databases. Our team understands the full regulatory stack for financial software.
Can you provide a dedicated fintech-experienced team?
Yes. We assign a dedicated fintech team scoped per engagement. You work with engineers who understand payment flows, transaction security, and financial compliance. Every engagement starts with a paid pilot sprint so you see the domain knowledge on your own product.
How long does it take to build a payment platform?
A basic payment gateway MVP takes 10-14 weeks. Adding multi-currency support, recurring billing, and fraud detection extends to 14-24 weeks. Full banking platforms with KYC/AML and regulatory reporting take 6-10 months.
What tech stack do you use for fintech projects?
We use React and Next.js for dashboards, Node.js or Java with Spring Boot for transaction processing, PostgreSQL for financial data, Redis for caching, and AWS with Kubernetes for scalable infrastructure. Stripe and Razorpay for payment processing.
Why Choose Geminate Solutions for Fintech
Typical investment: Scoped to your project
Built cryptocurrency trading platforms processing thousands of daily transactions
PCI DSS and KYC/AML compliance experience with Stripe, Razorpay, and custom payment systems
A senior dedicated team we assign to your product, scoped from a single call
50+ products shipped worldwide including payment gateways and banking applications
Ready to build your fintech product?
Work with a dedicated team that has fintech domain experience. We scope and start in days.