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Fintech · Riyadh

Fintech Software Development Company in Riyadh, 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. Saudi Arabia is 2.5 hours behind India, so our team still overlaps with your Riyadh working day for roughly 7 to 8 hours, giving you same-day standups and quick turnarounds.

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.

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

Riyadh market

Riyadh is the engine room of Vision 2030, where giga-projects, government digitization, and a fast-maturing startup scene are creating heavy demand for software. The Central region around Riyadh holds the largest share of Saudi Arabia's ICT spending, and the Kingdom captured close to half of all MENA venture funding in recent years. Geminate Solutions helps Riyadh businesses and founders ship custom web and mobile products as a hands-on engineering partner, not a staffing firm.

Local signal: Saudi Arabia's ICT market was valued at around USD 60 billion in 2025 and is projected to keep growing through 2031, with the Central region including Riyadh commanding about 35.4 percent of national ICT spending as the country's digital, financial, and government hub.

government and e-governmentfintech and bankinge-commerce and retailreal estate and construction techlogistics and transport

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 Riyadh 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

Saudi Arabia is 2.5 hours behind India, so our team still overlaps with your Riyadh working day for roughly 7 to 8 hours, giving you same-day standups and quick turnarounds.

Your IP, your code

You retain full IP ownership under a signed NDA, collaborate entirely in English, and rely on the strong India to Saudi Arabia business corridor that already supports Vision 2030 delivery.

Priced in SAR

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

FAQ

Fintech Software Development in Riyadh, 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.
Can your India team align with our Riyadh working hours given the time gap?
Yes. Riyadh is only 2.5 hours behind India, so our day overlaps with yours for about 7 to 8 hours. We run daily standups during your working window and stay available for calls through your morning and afternoon, so progress never stalls overnight.
Is an offshore India team more cost effective than hiring developers locally in Riyadh in SAR?
Building offshore with Geminate Solutions generally costs a good deal less than recruiting and running an in-house Riyadh team once salaries and overhead are included. We do not post flat rates because real cost depends on what you are building, so we scope your project on a free call and give you a transparent estimate in SAR.
How much does Fintech Software Development cost in Riyadh?
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 SAR 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 Riyadh

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.

4.9 Top Rated PlusReply within 24 hours

Prefer to talk? [email protected]

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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