Fintech Software Development Company

Fintech development at DigiNeat starts at $50,000 for focused, well-defined scopes — for example, a KYC workflow module, a specific compliance report, or an integration project. Standard fintech engagements fall in the $80,000–$300,000 range. Multi-million-dollar enterprise platforms — trading infrastructure, full neobank IT ecosystems, multi-jurisdiction banking — scale beyond that. Final pricing is determined after a free discovery session.

We have active engagements across multiple regulatory environments. Our work includes implementations aligned with GDPR (EU), MiCA (EU crypto framework), PSD2 (EU payments), FCA requirements (UK), AML/CTF directives across jurisdictions, FATCA and CRS reporting, PCI DSS for payment data, and SOC 2 principles for service organizations. For each project, we map specific regulatory dependencies during the discovery phase. We do not provide legal advice — final regulatory interpretation requires your compliance team or external counsel.

Yes. Our current flagship engagement is with a globally regulated multi-asset brokerage operating across multiple jurisdictions worldwide (excluding US). Multi-jurisdiction work involves regulatory mapping per jurisdiction, jurisdiction-specific reporting endpoints, data residency requirements, KYC adaptations for local rules, and operational workflows that respect each jurisdiction’s framework. This is a core competency, not a side capability.

A focused fintech MVP typically takes 20–32 weeks from kickoff to production launch. Full-scale platforms with backend, admin tooling, regulatory reporting, and multi-jurisdiction support take 9–18+ months. Fintech timelines are longer than typical web applications because of compliance work, security audits, and integration complexity. Specific timelines are committed in writing as part of the proposal.

Yes. We sign a mutual NDA before discovery. Your business concept, technical architecture, regulatory positioning, and customer data remain confidential from the first conversation. The majority of our fintech engagements — including our two flagship clients — operate under NDAs that span multiple years. Confidentiality is a core operational principle, not an exception.

You do. All code, designs, documentation, and intellectual property created during the engagement are transferred to you. Code is committed to your repository from day one — we do not hold deliverables hostage, and we do not reuse client code in other engagements. IP transfer is explicit in our contracts. For regulated environments, this is non-negotiable.

For clients from Tier 1 countries, we do not require advance payments. You pay milestone by milestone as work is delivered and accepted. For long-term engagements, payment terms are negotiated to match the engagement structure — monthly retainer for Dedicated Team, milestone-based for Fixed Price, monthly invoicing for T&M.

Security is not a pre-launch event in our process — it is continuous. From the architecture phase, we design threat models for each subsystem. During development: dependency scanning, static code analysis, secrets management, and architectural security checks happen with every release. Pre-launch: independent security audit and penetration testing as part of standard quality cycle. For regulated environments, we follow secure software development lifecycle (SSDLC) principles.

Yes. We frequently augment internal teams, take over existing fintech codebases for modernization, and integrate with established systems — Murex, Calypso, Temenos, Mambu, FIS, Avaloq, custom in-house systems. We follow your code conventions, repositories, tooling, and security frameworks. If we identify architecture, security, or compliance issues in the inherited codebase, we provide a written assessment with prioritized recommendations and a modernization roadmap.

For active engagements, we support our clients during regulatory inspections and audits — documentation handover, technical clarifications for auditors, evidence gathering, and remediation planning if findings emerge. Audit support is part of our standard ongoing engagement scope for fintech clients.

Our primary focus is on regulated financial institutions — multi-asset brokers, banks, neobanks, payment processors, and lending platforms. We have built crypto-adjacent products including consumer wallets. We do not provide crypto exchange infrastructure, custody platforms, or pure-DeFi protocols. For projects bridging traditional finance and crypto — for example, banks adding crypto custody, brokers adding crypto trading rails, or tokenization within regulated frameworks — we evaluate on a case-by-case basis.

Post-launch is where most of our fintech work actually happens. Production financial systems require continuous evolution: feature iteration, performance optimization, security patching, dependency updates, regulatory updates as legislation evolves, infrastructure scaling, and compliance maintenance. Long-term partnerships are our preferred engagement model — our shortest ongoing fintech client relationship is 5 years; our longest exceeds 18.