FajarFintech Development
Financial Software With Security Built In From the First Sprint
Payments, KYC onboarding, banking dashboards and lending platforms, designed around PCI DSS, AML and audit requirements from the first sprint.
What Makes Fintech Software Hard to Build?
Fintech products carry regulatory, financial and security risk that most apps do not. Compliance rules decide the architecture, every cent has to reconcile, and fraud begins the day money can move. The teams that succeed plan for all three before building features, not after launch.
Regulation Shapes the Architecture
KYC, AML and PCI DSS decide where data may live, who can see it and what must be logged. Added late, they force a rebuild.
Every Cent Has to Reconcile
Refunds, retries, currency conversion and partial failures all need a double-entry ledger that balances to the cent.
Fraud Arrives on Launch Day
Card testing, account takeover and synthetic identities start as soon as money can move. Detection and limits have to exist first.
Users Expect It Instantly
Balances, transfers and notifications must update in real time, while the banks and processors underneath often do not.
What Fintech Products Does Fajarix Build?
We build customer onboarding with KYC and AML checks, payment integrations, banking dashboards, lending and insurance platforms, and crypto wallet apps, for early-stage fintech startups and for established companies adding financial features. You can work with a Dedicated Team or add Individual Developers with payments experience to your own.
KYC and AML Onboarding
Identity document and liveness checks, sanctions and PEP screening, risk scoring and a case view where compliance officers review flagged customers.
Identity checksScreeningCase reviewPayments and Checkout
Card, wallet and bank payments through Stripe, Adyen, PayPal or Braintree, plus ACH and SWIFT transfers, refunds, disputes and payouts.
CardsACHPayoutsBanking Dashboards
Account overviews, transaction search, statements and spending insights for customers, with internal tools for your operations team.
AccountsStatementsInsightsLending Platforms
Loan applications, credit decisions, repayment schedules, collections and borrower portals, with every decision recorded for review.
OriginationScoringRepaymentsInsurance Software
Policy administration, quote and premium engines, claims handling and broker portals that replace spreadsheets and email chains.
PoliciesClaimsBrokersCrypto and Wallet Apps
Non-custodial wallets, exchange integrations and staking features, built with key management and transaction signing treated as the core risk.
WalletsSigningExchanges
Which Compliance Frameworks Apply to a Fintech Product?
Taking card payments brings PCI DSS. Holding or moving money brings KYC and AML duties in almost every country. Selling to banks usually requires a SOC 2 report, and personal data falls under GDPR or CCPA. Each one changes how the product is built, so we map them before design starts.
| Framework | When It Applies | What the Product Needs |
|---|---|---|
| PCI DSS v4.0.1 | Any product that accepts, stores or transmits card payments | Card numbers collected through the processor’s hosted fields, so they do not reach your servers. That can reduce scope from SAQ D to SAQ A. Also TLS 1.2 or newer, network segmentation, no card data in logs and quarterly external scans. |
| KYC and AML | Products that hold, move or lend money, in most countries | Document and liveness checks, sanctions and PEP screening repeated on a schedule, recorded risk decisions and a case management view for compliance officers. |
| SOC 2 Type II | B2B fintech selling to banks and larger companies | Role-based access, immutable audit logs, encryption at rest and infrastructure as code, running for an observation period of 3 to 12 months before the audit. |
| GDPR and CCPA | Products with customers in the EU, UK or California | A clear legal basis for each data use, data export and deletion on request, and retention rules that still satisfy financial record-keeping laws. |
Which Payment and Banking Providers Should You Use?
Most products should launch on Stripe for speed, add Plaid when they need bank account data, and consider Adyen once volume makes processing fees a real cost. The right mix depends on your regions, card volume and business model, and we design integrations so a provider can be swapped later.
Stripe
The fastest route to live payments, with excellent documentation and tooling. The per-transaction pricing becomes expensive at high volume, which is when teams look further.
Adyen
Built for enterprise volume, with direct card acquiring and smart routing across regions. Integration is heavier and minimums apply, so it is usually a second step, not the first.
Plaid
Links bank accounts and reads balances and transactions in the US, Canada, the UK and much of Europe. It is not a payment processor. Some banks fail to connect, so plan a micro-deposit fallback.
How Do We Build a Fintech MVP?
We map the rules and file partner applications first, design the ledger before the screens, and build against sandboxes in two-week sprints. A security review happens before production keys, and launch starts with low limits that rise as monitoring proves reliable.
Regulatory Mapping
We sign an NDA on request, before you share anything confidential. Then we map which licenses, partners and rules apply to your model. Partner and processor applications are filed in the first week, because approval is the slowest part.
Architecture and Ledger
Data flows, PCI scope and a double-entry ledger designed before any screens, so every movement of money can be traced and reconciled.
Sandbox Build
Onboarding, payments and dashboards built against provider sandboxes in two-week sprints, with a written update every week and a demo of working software every two weeks.
Security and Compliance Review
Access reviews and a check of logs and data handling before any production keys are issued. We arrange third-party penetration testing on request.
Controlled Launch
Live with low transaction limits and a small group of users first, then limits rise as fraud rules and monitoring prove themselves.
Which Security Controls Come Built In?
Security is built in from the first sprint: encryption, strong authentication, least-privilege access, audit logs and safe payment retries. These controls are part of the first release, not a later hardening project, because auditors, bank partners and attackers all look for them early.
- Encryption in transit and at rest, with keys held in a managed vault
- Multi-factor authentication and device checks on risky actions
- Role-based access so staff see only what their job requires
- Append-only audit logs for every change to money or permissions
- Payments built to prevent double charges (idempotent payment requests)
- Velocity limits and alerts against card testing and takeover
- Automated daily reconciliation against processor reports
- Secrets kept out of code and rotated on a schedule
- Double-entry ledger
- Card payments
- ACH and SWIFT
- Multi-currency
- Identity checks
- Sanctions screening
- Fraud rules
- Statements
- Payouts
- Disputes
- Audit logs
- Reconciliation
Payment APIs and Fintech Infrastructure We Use
Payment processors, bank data and identity APIs, and the infrastructure that keeps financial data protected and traceable.
- Stripe
- Adyen
- PayPal
- Braintree
- Plaid
- Persona
- Sumsub
- ComplyAdvantage
- Node.js
- TypeScript
- PostgreSQL
- Redis
- Apache Kafka
- Vault
- Terraform
- Kubernetes
- Datadog
- Auth0
- AWS
How Much Does Fintech Software Development Cost?
Fixed-Price Projects typically start from $3,000 for a small, clearly defined piece of work, such as a payment integration or a KYC onboarding flow. A full MVP with a ledger, onboarding and dashboards costs more, depending on providers, regions and compliance needs. You receive a written proposal within 48 hours of the scoping call.
Already have an engineering team? You can add Individual Developers with payments experience, typically from $1,500 per month per developer, working inside your own process.
Frequently Asked Questions
Should We Build KYC In-House or Use a Vendor?
Use a vendor for the checks themselves. Providers such as Persona, Entrust (formerly Onfido), Sumsub or ComplyAdvantage already handle document verification, liveness and sanctions data. What you should own is the orchestration around them: your risk rules, the decision trail, retries when a check fails, and the case tools your compliance team works in every day.
How Long Does SOC 2 Readiness Take?
Building the controls usually takes one to two quarters: access reviews, logging, change management, encryption and written policies. Tools such as Vanta or Drata then collect evidence automatically. A Type II report also needs an observation period of 3 to 12 months. We build the controls into the product and infrastructure; the attestation itself comes from an independent auditor.
How Long Does It Take to Build a Fintech MVP?
Typically 8 to 12 weeks of engineering from an agreed scope. The larger schedule risk is approval from partners, such as processor underwriting or onboarding with a banking-as-a-service provider, which we do not control. That is why applications should be filed in the first week, not when the code is ready.
Can You Work With Our Existing Banking or Payment Provider?
Yes. We can connect to providers you already use, such as a processor, a banking-as-a-service partner or a core banking system. We start by reading their API documentation and sandbox limits, then flag any gaps, such as missing webhooks or rate limits, before they affect the schedule.
Related Services
Building Something That Moves Money? Let’s Get the Foundations Right
Tell us about your product, your regions and your providers. We will map the compliance work and suggest a first version you can launch with confidence.