Fintech · Singapore

Fintech Software Development Company in Singapore, 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. Singapore Standard Time is only 2.5 hours ahead of India Standard Time, which gives you a large shared working day of roughly five to six live hours for real time collaboration, standups, and same day decisions.

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

Singapore market

Singapore is the leading startup and fintech gateway for the Asia Pacific region and now ranks fourth on the global StartupBlink ecosystem index. Its economy leans heavily on fintech, deeptech, enterprise software, and digital trade and logistics, which keeps demand strong for secure platforms, payment systems, and AI products. Geminate Solutions partners with Singapore founders and enterprises that want a dependable engineering team to design and ship software for regional and global markets.

Local signal: Singapore recorded 4.6 billion USD in venture funding across 472 deals in 2025, with fintech contributing about 1.7 billion USD, roughly 37 percent of total deal value, and AI related deals reaching 1.4 billion USD.

FinTech and paymentsDeepTech and AIEnterprise software and data infrastructureLogistics, trade and supply chainE-commerce and digital services

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 Singapore 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

Singapore Standard Time is only 2.5 hours ahead of India Standard Time, which gives you a large shared working day of roughly five to six live hours for real time collaboration, standups, and same day decisions.

Your IP, your code

Geminate Solutions backs every Singapore engagement with a signed NDA and a contract assigning full IP and source code ownership to you, and all communication runs in fluent business English, which keeps collaboration clear across both markets.

Priced in SGD

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

FAQ

Fintech Software Development in Singapore, 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 much daily working overlap is there between Singapore and an India based development team?

Singapore is just 2.5 hours ahead of India Standard Time, so almost the whole working day overlaps. You get a long shared window for live standups, design reviews, and same day decisions, which makes the collaboration feel like a near in house team rather than a remote one.

Is it more cost effective to build software with an India based partner than to hire developers in Singapore?

Singapore has one of the highest costs for technology talent and office space in the region, so partnering with an India based team like Geminate Solutions usually gives you senior engineering at a lower total cost while keeping a near full daily overlap. We scope the exact cost for your project on a short call.

How much does Fintech Software Development cost in Singapore?

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 SGD 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 Singapore

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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