Fintech · Austin

Fintech Software Development Company in Austin, built to ship.

Money software fails loudly. A single mishandled transaction or a KYC gap can stall an entire neobank, so we treat payment, banking, and trading products as systems where correctness and traceability matter more than speed alone. As a build partner to payment companies, neobanks, and financial startups, our team ships PCI DSS-compliant gateways, digital wallets, and KYC and AML workflows with fraud detection wired into every release. The records hold up under scrutiny. Austin runs on US Central Time, which is 10.5 hours behind India Standard Time, so the live daily overlap is short and sits at your early morning against our evening, which we structure as an async-first delivery model with a fixed overlap window for standups and reviews.

4.9 Top Rated Plus on UpworkYou own 100% of the code and IP. NDA on request.

Austin market

Austin has become one of the top five venture capital cities in the United States, with a fast moving scene spanning enterprise software, semiconductors, space and defense, clean energy, and health tech. The pull of companies like Tesla, Oracle, and a deep space cluster around Texas keeps demand high for custom software, data platforms, and connected products. Geminate Solutions works with Austin startups and scaleups that want to move fast and need an engineering partner to extend their build capacity.

Local signal: Austin startups raised roughly 8 billion USD in venture capital in 2025, a record that placed the city among the top five US metros for VC, with funding driven by AI, space, defense, energy, and advanced manufacturing.

Enterprise and SaaS softwareSemiconductors and hardwareSpace, defense and aerospaceClean energy and climate techHealthTech and life sciences

4.9★

Top Rated Plus on Upwork

250K+

daily active users on apps we built

10M+

requests per minute handled

50+

products shipped worldwide

What we build

Fintech Software Development for Austin teams, end to end

PCI DSS-compliant payment gateways with multi-currency support and automated reconciliation

Digital banking and wallet apps for account management, transfers, and bill payments

KYC and AML verification flows using providers such as Onfido and Jumio with sanctions screening

Real-time trading interfaces and portfolio dashboards with regulatory reporting

Fraud detection and transaction monitoring with anomaly alerts

Integrations with payment processors including Stripe and Razorpay

Your time zone

Austin runs on US Central Time, which is 10.5 hours behind India Standard Time, so the live daily overlap is short and sits at your early morning against our evening, which we structure as an async-first delivery model with a fixed overlap window for standups and reviews.

Your IP, your code

Geminate Solutions starts every Austin engagement with an NDA and a contract that transfers complete IP and source code ownership to you, and the entire team collaborates in clear business English from kickoff through delivery.

Priced in USD

Transparent, milestone-based, scoped on a free call. No hidden costs and no lock-in.

FAQ

Fintech Software Development in Austin, answered

Can you build PCI DSS-compliant payment systems?

Tokenization, encryption, secure key management, and full transaction logging are the PCI DSS controls we apply across the payment flow. Our team integrates established processors such as Stripe and Razorpay so card data is handled inside a compliant boundary and never lands somewhere it should not.

Do you handle KYC and AML in fintech software development?

Onboarding is where KYC lives, so we build verification straight into it using services like Onfido and Jumio, then layer AML screening against standard sanctions databases. The workflows produce the records financial regulators expect to see.

How do you secure transactions and financial data?

Every transaction is encrypted, authenticated, and recorded. We use AES-256 for data at rest and TLS 1.3 in transit, scope each user to the permissions their role needs, and add real-time fraud monitoring so anomalies surface as they happen. The infrastructure is built to clear a SOC 2 assessment.

What is the working hour overlap between Austin and an India based software team?

Austin sits on Central Time, 10.5 hours behind India Standard Time, so the live overlap is modest and falls in your early morning. We design the engagement async-first, hold demos and standups in a fixed daily window, and use the time difference so your project keeps moving overnight Central time.

How does offshore development with an India based partner compare on cost to hiring engineers in Austin?

Austin engineering salaries have climbed sharply as the city became a major tech hub, so an India based partner like Geminate Solutions usually delivers senior product engineering at a lower total cost than building the same team locally. We scope the exact cost for your roadmap on a quick call.

How much does Fintech Software Development cost in Austin?

Every fintech project is scoped on a free call rather than sold as a fixed package, and most engagements start with a paid pilot sprint so you see the work before you commit. You get a clear number in USD before anything starts.

Do we own the code?

Yes, completely. The code, the project, and the content are handed to you. You hold the keys, not us. We sign an NDA before you share anything.

How long does it take?

Most builds go live in two to four weeks. Larger products with a custom backend or migration take longer, and you get a firm timeline before any work begins.

Start in Austin

Get a free project estimate

Tell us what you want to build. A senior engineer sends a clear scope and estimate within 24 hours. No pitch, no obligation.

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