Fintech Software Development Company

DigiNeat is a fintech software development company that designs, builds, and operates fintech platforms for regulated financial institutions — multi-asset brokers, neobanks, payment processors, and financial infrastructure providers. Production-grade engineering, multi-jurisdictional compliance, and partnerships that span years.

  • 8+ years building trading systems for a regulated global brokerage
  • Full IT ecosystem built from scratch for a global neobank
  • NDA before discovery
  • No advance payments
  • Free consultation
  • Engagements from $50,000
  • Silver Sponsor of Nuxt
  • Authorized Strapi Reseller

Fintech solutions we build

End-to-end fintech development across regulated financial verticals.

Trading platforms & multi-asset brokerages

Custom trading platforms for forex, CFD, futures, equities, and commodities brokers. White-label trading infrastructure, MT4/MT5 integrations, multi-jurisdiction compliance reporting, and broker admin panels.

Banking software & neobank platforms

Core banking systems, customer onboarding, payment processing, lending workflows, and operations dashboards for traditional banks, neobanks, and challenger banks. Full IT ecosystems built from scratch or modernization of legacy infrastructure.

KYC, AML & compliance systems

Customer identification workflows, document verification, screening against sanctions lists, transaction monitoring, suspicious activity reporting, and multi-jurisdictional regulatory reporting frameworks.

Payment processing & gateways

PCI DSS-aligned payment processing systems, gateway integrations (Stripe, Adyen, Worldpay), card management, transaction reconciliation, and fraud detection workflows.

Lending & credit platforms

Loan origination workflows, credit decisioning engines, underwriting automation, debt collection systems, and lender-borrower portals for consumer lending, SME lending, and BNPL providers.

Wealth management & investment platforms

Portfolio management interfaces, investor onboarding, custody integrations, robo-advisory engines, and reporting frameworks for asset managers and wealth platforms.

Why DigiNeat for fintech

Fintech development is not generalist work. It requires specific expertise in regulated environments, multi-jurisdictional compliance, and engineering maturity that holds up under scrutiny.

Active engagements with regulated financial institutions

We do not "have experience in fintech" as a marketing claim. We currently operate the trading infrastructure of a globally regulated multi-asset brokerage with multi-million dollar daily volume across multiple jurisdictions. We currently support the full IT ecosystem of a global neobank we built from scratch. These are not historical references — they are active engagements.

Production-grade engineering, not MVP-grade

Trading systems that handle multi-million daily volume do not tolerate "we will refactor later". Banking systems that process customer transactions do not tolerate "we will fix the scaling later". From day one, we engineer fintech systems for production load, security, and regulatory inspection.

Senior engineering teams, not solo developers

Every fintech project at DigiNeat is delivered by a multidisciplinary team — senior backend engineers, frontend specialists, designers, DevOps, and a dedicated project manager. Regulatory-grade software requires coordinated craft, not a single developer with AI tools.

Multi-jurisdictional compliance, by design

Building for regulated industries means designing for compliance from architecture stage, not bolting it on later. Multi-jurisdiction regulatory reporting, KYC/AML automation, transaction monitoring, and audit trails are built into the foundation of every fintech project.

Long-term partnerships, not transactional contracts

Fintech systems do not stop evolving after launch — new regulations, new markets, new products, new integrations. Our shortest ongoing client relationship is 5 years; our longest exceeds 18. Fintech is a long game, and we engage accordingly.

No advance payments

For clients from Tier 1 countries, we do not require upfront payment. You pay as we deliver — milestone by milestone. Free initial consultation, NDA before discovery.

Founded by Mikael Karamaniants

DigiNeat is led by Mikael Karamaniants, founder with 20+ years of digital product engineering experience, US-government-recognized for extraordinary ability in business (EB-1A), and a member of the AI Forum for Development (AIFOD). His work has been featured in The Tycoon Magazine’s 2025 "Visionaries Powering Innovation in AI & IT" and cited in Yahoo Finance, USA Today, and other industry media. Every fintech engagement benefits from direct founder access during strategic decisions.

Mikael Karamaniants

Featured fintech projects

Active engagements with regulated financial institutions. Confidential references and additional case studies available on call under NDA.

Our process.

A structured approach designed for regulated financial environments — from
regulatory mapping through production launch and continuous compliance
maintenance.

Discovery, Regulatory Mapping & Strategy

We start with business goals and regulatory context, not features. Stakeholder interviews, market and competitive analysis, technical assessment of existing systems, and detailed regulatory mapping for target jurisdictions. We deliver a written project plan including architecture decisions, team composition, regulatory dependencies, fixed-scope pricing, and a delivery timeline.

01 Week 1-3

Architecture, Security & Compliance Design

System architecture, data modeling, API design, security architecture, and compliance frameworks designed in parallel. We deliver a documented technical architecture with explicit threat models, KYC/AML integration plan, regulatory reporting schema, data sovereignty mapping, and disaster recovery design. For mission-critical components, this stage may include proof-of-concept work on the highest-risk parts before full development.

02 Week 2-6

Development & Continuous Security Review

Sprint-based delivery with weekly demos. Every sprint produces a deployable build in a staging environment for direct testing. Security review is continuous, not a pre-launch event: dependency scanning, static code analysis, secrets management, and architectural security checks happen with every release. Code is committed to your repository from day one, CI/CD pipelines are configured early, and infrastructure-as-code ensures reproducible environments.

03 Week 6-onwards

Pre-Launch Audit Cycle

Before going to production: independent security audit, penetration testing, performance benchmarking under regulatory-relevant load profiles, accessibility review, and regulatory readiness verification (KYC/AML workflows, AML transaction monitoring, sanctions screening, audit trails, regulatory reporting endpoints). For multi-jurisdiction deployments, we conduct separate compliance verification per jurisdiction.

04 Continuous + Pre-launch

Launch & Continuous Compliance

Production deployment with monitoring, incident response procedures, and regulatory documentation handover. Post-launch we transition into continuous compliance mode: feature iteration, security patching, dependency updates, regulatory updates as legislation evolves, infrastructure scaling, and audit support during regulator inspections.

05 Launch + ongoing

Typical fintech MVP timeline: 20–32 weeks. Full-scale
platforms: 9–18+ months. Our shortest ongoing fintech
partnership is 5 years; our longest exceeds 18.

Pricing & engagement models

Engagement models designed for the timeline and complexity of fintech projects. Fintech development starts at $50,000.

Time & Material

Best for: Evolving fintech products, scaling platforms, and continuous development

from $75 /hour

Pay for actual engineering hours used. Maximum flexibility to adjust scope, priorities, and team composition as the product evolves and regulatory environment changes. The preferred model for production fintech platforms with active growth.

  • Weekly timesheets and reporting
  • Adjustable team composition with regulatory expertise on-demand
  • Pause and resume at any time
  • Monthly budget caps available

Dedicated Team

Best for: Long-term fintech partnerships, full product ownership, core financial systems

from $35,000 /month

A full-time team allocated to your fintech product. Typical composition for a serious fintech engagement: senior backend engineer, frontend engineer, UX/UI designer, DevOps engineer, security specialist, and a dedicated project manager. The team operates as an extension of your in-house engineering organization.

Team size and seniority scale with project complexity — final composition and pricing are defined together with you during discovery.

  • Full-time senior engineers
  • DevOps, QA, security, and PM included
  • Designer involvement throughout the lifecycle
  • Direct Slack/email access
  • Onboarded to your processes, tools, and compliance frameworks

Enterprise & Strategic Partnerships

Best for: Multi-year, multi-million-dollar fintech engagements

Long-term partnerships for organizations building mission-critical fintech platforms — banks, neobanks, multi-asset trading firms, payment processors, and regulated financial infrastructure providers. Multiple parallel teams, dedicated technical leadership, custom contractual terms, multi-jurisdictional compliance support, and strategic roadmap alignment.

  • Multiple parallel engineering teams (backend, frontend, infrastructure, security)
  • Dedicated technical leadership
  • Custom SLAs and governance frameworks
  • Multi-jurisdictional regulatory expertise
  • Confidentiality and security at the highest level

Typical engagement: 3+ years · References available on call under NDA

Ongoing Support & Evolution

Best for: Multi-year, multi-million-dollar fintech engagements

Long-term partnerships for organizations building mission-critical fintech platforms — banks, neobanks, multi-asset trading firms, payment processors, and regulated financial infrastructure providers. Multiple parallel teams, dedicated technical leadership, custom contractual terms, multi-jurisdictional compliance support, and strategic roadmap alignment.

  • Multiple parallel engineering teams (backend, frontend, infrastructure, security)
  • Dedicated technical leadership
  • Custom SLAs and governance frameworks
  • Multi-jurisdictional regulatory expertise
  • Confidentiality and security at the highest level

Typical engagement: 3+ years · References available on call under NDA

All engagements include a free initial consultation, written proposal, and NDA before discovery. No advance payments for clients from Tier 1 countries. Our fintech engagements range from $50,000 focused-scope modules to multi-million-dollar enterprise platforms and multi-year strategic partnerships.

Technology stack for fintech

Modern, production-proven technologies for building, scaling, and operating fintech systems in regulated environments.

Frontend

React Vue.js Next.js Nuxt.js TypeScript

Infrastructure & DevOps

AWS Docker Kubernetes CI/CD pipelines

Backend

Node.js Python (Django, FastAPI) Java (Spring) .NET (C#) PHP (Laravel) GO

Trading & Brokerage Infrastructure

MT4/MT5 integrations cTrader API FIX protocol Real-time market data feeds Order management systems

Databases

PostgreSQL MongoDB Redis Elasticsearch Oracle (enterprise/banking)

Oracle and other enterprise databases are standard for banking and trading systems.

Security, Compliance & Identity

OAuth 2.0 JWT SSO/SAML KYC/AML providers PCI DSS-aligned architecture SOC 2 principles GDPR Multi-jurisdiction reporting frameworks
We select the stack based on your regulatory requirements, team continuity needs, and long-term maintainability — not on what is trendy. Stack decisions are documented as part of the architecture phase with explicit compliance mapping for target jurisdictions.

Recognition and industry standingRecognition and industry standing

Independent ratings, awards, and press recognition — verifiable signals in place of testimonials. Most of our long-term clients operate under NDAs that preclude public reviews.

DesignRush Best App Design 2025

UnitBank banking application — Best App Design Award, December 2025. Recognized among DesignRush’s monthly award selections for app design.

Horizon Interactive Gold Award 2025

MDI Connect — Mobile Apps category. Awarded by the Horizon Interactive Awards, recognizing excellence in interactive media production.

Verified ratingsVerified ratings

Top-rated IoT and API Development Firms in Los Angeles (Clutch).

Silver Sponsor of Nuxt

Official Nuxt Agency Partner · ~20 agencies worldwide

Verify on nuxt.com

Authorized Strapi Reseller

Formal commercial agreement with Strapi Inc

Detailed case studies and client references — including from our longest-running partnerships — are available on call under NDA.

Frequently asked questions

Common questions from clients during the discovery phase.

How much does a fintech project cost?

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.

Which financial regulations are you familiar with?

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.

Do you handle multi-jurisdictional deployments?

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.

How long does a fintech project take?

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.

Do you sign NDAs before discussing the project?

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.

Who owns the code and intellectual property?

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.

Do you require upfront payment?

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.

How do you handle security during development?

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.

Can you work with our existing trading platform, core banking system, or fintech codebase?

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.

What if regulators conduct an inspection or audit?

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.

Do you work with crypto, DeFi, or Web3 projects?

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.

What happens after launch?

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.

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  • Free consultation, no obligation
  • NDA signed before discovery on request
  • No advance payments for Tier 1 clients