CodeXcelerate
CodeXcelerate
// Fintech software development
Financial technology software faces a constraint set that separates it from almost every other category: transactions must be real-time and atomic, security must assume active adversaries rather than accidental access, regulatory requirements vary by jurisdiction and change regularly, and your users make financial decisions based on what your software shows them — errors have real-world financial consequences. CodeXcelerate has built trading alert platforms, payment marketplaces, investment dashboards, KYC automation and AI financial analysis tools for fintech startups in the US, UK, UAE and Australia. We understand PCI-DSS, FCA regulations, Open Banking APIs and the security architecture that financial applications require — and we build systems that meet the bar from the ground up.
50+
Fintech & payment projects
PCI-DSS
Architecture context
$5K
Starting from
10–16 wks
Typical delivery
// what we build
Full-stack digital banking applications — account opening with KYC verification, transaction history, fund transfers, virtual card issuance, spending analytics and customer notifications. Built with bank-grade security: end-to-end encryption, fraud detection hooks, rate limiting, 2FA and session management. Core banking system integration via standard banking APIs or proprietary bank APIs depending on your banking partner.
P2P payment apps, digital wallet platforms and merchant payment solutions — supporting multi-currency transactions, local payment rails (Stripe, Razorpay, bKash, local bank transfers), split payments and scheduled transfers. Full payment lifecycle: checkout, authorisation, settlement, refunds, disputes and PCI-DSS-compliant card data handling. We've built payment systems processing live transactions across the US, UK, UAE and South Asia.
Real-time trading alert apps and investment platforms — WebSocket price feeds, sub-500ms push notification delivery for price triggers, portfolio tracking, watchlists, charting with professional-grade libraries (TradingView integration) and order management. We built TradeBeep, a trading alerts platform live on the App Store and Google Play with 4.6★ rating. Suitable for equity, crypto, forex and commodities.
Digital lending applications covering borrower onboarding, credit decisioning workflow, loan origination, disbursement, repayment scheduling, collections management and portfolio analytics for lenders. AI-assisted credit risk scoring models trained on your historical lending data. Compliance with state and federal lending regulations (Truth in Lending Act, Reg Z) and UK FCA consumer credit requirements.
Digital insurance distribution, policy management and claims processing platforms — quote engines, policy comparison, digital application and underwriting workflows, claims intake with document upload, and renewal automation. Integration with insurance core systems, reinsurance platforms and regulatory reporting requirements. Suitable for P&C, life, health and specialty insurance lines.
Robo-advisory platforms, investment portfolio trackers, goal-based saving apps and wealth management client portals. Real-time portfolio performance calculation, asset allocation visualisation, tax reporting, rebalancing alerts and client-advisor communication tools. GDPR and MiFID II compliant data handling for EU/UK wealth management clients. Suitable for RIAs, wealth managers and direct-to-consumer investment apps.
Know Your Customer (KYC) document verification workflows, biometric identity checks, PEP/sanctions screening integration (Refinitiv, ComplyAdvantage), Anti-Money Laundering (AML) transaction monitoring and Suspicious Activity Report (SAR) generation. Reduces manual KYC review time from days to minutes. Supports US BSA, UK FCA and EU AML Directive 6 (AMLD6) compliance requirements.
Open Banking API integrations connecting your fintech product to UK Open Banking ecosystem (FCA-authorised), EU PSD2 APIs and Australian CDR (Consumer Data Right) data sources. Account aggregation, payment initiation, consent management and data portability flows — enabling your product to access customer financial data from their existing banks without screen-scraping.
// compliance & standards
PCI-DSS Level 1
Card data handling per PCI-DSS — tokenisation via payment processor (Stripe, Braintree), no card data stored in our systems, TLS 1.2+ for all card data in transit, quarterly ASV scans and annual penetration testing.
FCA (UK Financial Conduct Authority)
Consumer Duty compliance, CASS client money rules, financial promotion rules and MiFID II reporting requirements for UK-regulated fintech products. We design with FCA rule requirements in mind from the architecture phase.
Open Banking (FCA / PSD2 / CDR)
Open Banking API integration using FCA-registered TPP APIs (UK), PSD2 XS2A APIs (EU) and CDR accredited data providers (AU). OAuth 2.0 consent flows, token management and regulatory consent audit logging.
AML / BSA / KYC
Bank Secrecy Act (US) and UK Money Laundering Regulations compliant transaction monitoring, customer due diligence (CDD), enhanced due diligence (EDD) for high-risk customers and SAR filing workflows.
GDPR / UK GDPR
Data minimisation in financial data processing, lawful basis documentation for each data type (legitimate interest, contractual necessity), right to erasure flows and privacy-by-design data architecture.
// how we work
01
We map your regulatory context before designing anything: which jurisdictions you operate in, which financial activities require licensing (money transmission, lending, investment advice), what data handling obligations apply, and which third-party integrations (payment processors, banking partners, identity verification providers) are mandatory for your business model.
02
Financial software assumes active adversaries. We design the security architecture before writing application code: threat modelling for your specific fintech use case, API authentication and authorisation model, rate limiting and abuse prevention, encryption key management, audit logging for all financial events, and fraud detection integration points.
03
Payment processor integration, banking API setup and third-party financial data connections (Open Banking, market data, identity verification) are the highest-risk integrations in fintech projects — they have undocumented edge cases, sandbox vs. production differences, and lengthy approval processes. We scope and begin these in parallel with UI/UX design to avoid blocking the build phase.
04
Two-week development sprints with a working demo every Friday — real transaction flows testable in the sandbox environment. Financial product logic is validated against edge cases (declined transactions, partial network failures, duplicate submissions, race conditions in concurrent transfers) from the first sprint rather than discovered in QA.
05
Financial applications require security testing beyond standard QA. We run OWASP ASVS (Application Security Verification Standard) Level 2 checks, API penetration testing focusing on financial endpoints (transaction manipulation, account takeover, rate limit bypass), and PCI-DSS scope validation. We provide a security test report alongside the production build.
06
Production deployment with financial-grade infrastructure: multi-region redundancy, automated failover, real-time transaction monitoring, fraud alert pipelines and regulatory reporting setup. We provide a compliance documentation package — data flow diagrams, control matrices, PCI-DSS scope documentation — that supports your regulatory audit requirements.
// the complexity
Financial transactions must be atomic, idempotent and consistent — partial failures that leave money in an ambiguous state are catastrophic
Real-time data requirements (trading, live balances) require WebSocket architecture and push infrastructure that most web agencies don't have experience with
Payment processor integration has production edge cases that sandbox environments don't reveal — declined card flows, dispute webhooks, settlement timing
KYC vendor APIs have high error rates on certain document types and jurisdictions — robust retry logic and fallback providers are required
Regulatory requirements vary by jurisdiction and activity — building for the US, UK and EU simultaneously requires distinct compliance layers
// tech stack
// transparent pricing
India-based senior engineers — typically 60–70% less than a comparable US or UK agency for equivalent experience.
| What You're Building | Investment Range | Timeline |
|---|---|---|
| Payment / wallet app (P2P transfers + card payments) | $5,000 – $18,000 | 6–12 weeks |
| Trading alert platform (real-time feeds + push) | $6,000 – $20,000 | 8–14 weeks |
| Digital banking MVP (accounts + transfers + KYC) | $15,000 – $40,000 | 14–20 weeks |
| KYC / AML automation workflow | $4,000 – $12,000 | 4–8 weeks |
| Lending platform (origination + repayment) | $10,000 – $30,000 | 12–18 weeks |
| Open Banking integration (account aggregation + PIS) | $3,000 – $8,000 | 3–6 weeks |
Ranges are guidance based on typical scope. A free technical call gives you a precise fixed-price quote for your specific requirements.
// outcomes
// proof of work
// faq
Fintech app development with CodeXcelerate costs from $5,000 for a focused payment or wallet MVP up to $40,000+ for a full digital banking platform with KYC, multi-currency and regulatory compliance. A payment or wallet app starts at $5,000–$18,000. A trading alert platform runs $6,000–$20,000. A digital banking MVP with account opening and KYC costs $15,000–$40,000. At our India-based rates, you pay 60–70% less than a comparable US or UK fintech agency — making compliant fintech product development accessible for early-stage startups.
// let's build
Free 30-minute technical call. We map your requirements, give you a realistic scope and cost, and tell you honestly if we're the right fit.
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