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Fintech · New York

Fintech Software Development Company in New York, 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. New York runs on Eastern Time, which is 9.5 hours behind India Standard Time, so the practical daily overlap is your morning India team meeting your end of business day in NY, which we run as an async-first workflow with a fixed live window for standups and reviews.

Free scope and estimate in 24 hours. No pitch, no obligation. You own the code and IP, and we sign an NDA on request. Privacy Policy.

Rated 4.9 stars across 24+ client projectsYou own 100% of the code and IP. NDA on request.

New York market

New York City is the second largest tech hub in the world, anchored by Wall Street fintech, Madison Avenue media and adtech, and a fast growing health tech and AI cluster. With more than 200,000 tech jobs and over 2,000 AI startups inside the city, demand for custom software, trading platforms, and consumer apps runs deep across finance, media, and retail. Geminate Solutions partners with NYC founders and product teams that need an engineering team to build and ship without the local hiring crunch.

Local signal: New York City captured 30 percent of all US fintech investment in 2024, with the sector reaching 6.71 billion USD in deal value, and the city hosts over 2,000 AI startups employing more than 40,000 AI professionals.

FinTech and financial servicesMedia, advertising and adtechHealthTech and life sciencesRetail and e-commerceAI and machine learning

4.9★

Client rating across 24+ projects

250K+

daily active users on apps we built

10M+

requests per minute handled

50+

products shipped worldwide

The problem

The ledger and the bank statement disagree, and nobody can say why.

Money systems fail quietly. A retried webhook books a payment twice, a timeout leaves a transfer in a state that is neither sent nor failed, and a rounding rule differs by one currency. None of it throws an error. It shows up days later as a reconciliation gap that somebody has to explain to an auditor.

Every hour spent reconciling by hand is an hour not spent shipping, and the gap grows faster than the team does.

What we build

Fintech Software Development for New York teams, end to end

01

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

02

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

03

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

04

Real-time trading interfaces and portfolio dashboards with regulatory reporting

05

Fraud detection and transaction monitoring with anomaly alerts

06

Integrations with payment processors including Stripe and Razorpay

Your time zone

New York runs on Eastern Time, which is 9.5 hours behind India Standard Time, so the practical daily overlap is your morning India team meeting your end of business day in NY, which we run as an async-first workflow with a fixed live window for standups and reviews.

Your IP, your code

Every Geminate Solutions engagement is covered by a signed NDA and a clear contract assigning full IP ownership of the code to you, and all collaboration runs in fluent business English across daily standups and documentation.

Priced in USD

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

Fintech

The decisions fintech software development actually turns on

Systems where the ledger has to be right, not eventually right.

Money is not a float and a balance is not a column

Amounts are integers in minor units, and a balance is derived from an append-only ledger rather than stored and updated. Mutating a balance directly is the bug that produces money from nowhere under concurrency, and it is very hard to find afterwards because the audit trail is the thing you skipped.

Reconciliation is a daily product feature

Your ledger and the processor's settlement file will disagree, and the disagreement is normal: timing, fees, reversals, currency rounding. What matters is that a person can see the difference each morning and resolve it, which means reconciliation is a screen someone uses, not a script nobody runs.

Idempotency at every money-moving boundary

Networks retry. Users double-tap. Without an idempotency key on the payment intent, one intent becomes two charges, and the customer finds out before you do. Every write that moves value needs a key and a stored result for that key.

KYC and AML shape the data model, not just the signup flow

Verification state, document expiry, sanctions screening outcome and the reason for a decision all have to be modelled and retained, because a regulator will ask why a specific customer was approved in a specific month.

Compliance in United States

How does Fintech Software Development stay compliant with CCPA / CPRA in New York?

New York companies build under a sector and state patchwork led by California's CCPA and CPRA, overseen by the California Privacy Protection Agency, alongside state AGs and the FTC. We design every fintech engagement to respect those rules from day one, not as a checklist bolted on at the end. There is no single federal privacy law, so we map your build to the states you operate in, plus HIPAA for health data or PCI DSS for payments where they apply.

Who regulates you

the California Privacy Protection Agency, alongside state AGs and the FTC. regulated US products often need HIPAA, SOC 2, or PCI DSS controls, which we scope into the architecture rather than retrofit.

Where your data lives

You pick the hosting region. When residency rules or a United States contract require it, we deploy inside your jurisdiction and you hold the cloud accounts.

What you own

100% of the source code and IP, transferred under contract, with an NDA and a data processing agreement signed before anything is shared.

Proof we can do this at scale: the products we have shipped run at 250K+ daily active users and have handled 10M+ requests per minute, across 50+ products rated 4.9 stars over 24+ client projects. Security and data handling are part of how we build, not an afterthought.

FAQ

Fintech Software Development in New York, 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.
How do working hours line up between a New York team and an India based development partner?
India Standard Time is 9.5 hours ahead of New York Eastern Time, so the natural overlap is your morning against our late afternoon. We schedule live standups and demos inside that window and run the rest of the build async, which means work continues on your project after your office closes and you wake up to progress.
Is offshore software development from India more cost effective than hiring locally in New York?
New York carries some of the highest engineering salaries and office costs in the United States, so partnering with an India based team like Geminate Solutions typically gives you senior product talent at a meaningfully lower total cost. We scope the exact figure for your project on a short call so it maps to your real requirements.
How do you handle CCPA / CPRA and data protection for New York clients?
New York businesses fall under a sector and state patchwork led by California's CCPA and CPRA, overseen by the California Privacy Protection Agency, alongside state AGs and the FTC. There is no single federal privacy law, so we map your build to the states you operate in, plus HIPAA for health data or PCI DSS for payments where they apply. Before any data is shared we sign an NDA and a data processing agreement, and regulated US products often need HIPAA, SOC 2, or PCI DSS controls, which we scope into the architecture rather than retrofit.
Where will our data and code be hosted if we build with you from New York?
You choose the region. We default to a cloud setup that satisfies CCPA / CPRA obligations, and when residency rules or a United States contract require it, we host inside your jurisdiction. You keep full ownership of the source code, the data, and the infrastructure accounts at all times.
How much does Fintech Software Development cost in New York?
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 New York

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A senior engineer replies within 24 hours with a scope and estimate. Free, no pitch, no obligation. You own the code and IP, NDA on request. Privacy Policy.

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