Custom FinTech software, built for the way money actually moves.
We’re a US-based fintech software development and consulting firm. From digital banking and payments to lending platforms and compliance engineering, we help startups and growing companies ship secure, scalable, regulator-ready financial products — usually in months, not quarters.
Our suite of custom FinTech software development services
From modernizing legacy banking systems to building secure, mobile-first financial products, we deliver fintech software that helps your business operate faster, safer, and at scale.
Custom Financial Software Development
We build financial software around your actual workflows — not generic templates. Transaction systems that move money correctly, dashboards that ops teams won’t quit over.
→ Transaction & ledger systems
→ Operational dashboards
FinTech Integration Services
Your systems need to talk to each other. We connect core banking platforms, KYC providers, and payment rails — every integration compliant and observable.
→ System interoperability
→ Compliance-ready APIs
FinTech Cybersecurity Services
We don’t just build software — we protect it. A proactive, layered approach with compliance designed in from day one, not bolted on at audit time.
→ Real-time risk monitoring
→ Defense by design
Legacy Software Modernization
Outdated systems create friction, risk, and cost. We migrate you to modern, modular architecture — piece by piece, without breaking what already works.
→ Modular rebuilds
→ Scalable cloud infrastructure
FinTech Software Consulting
Strategic guidance on architecture, compliance, vendor selection, and team-building from a partner who’s shipped 62+ fintech platforms.
→ Technology assessment
→ Strategic roadmapping
Embedded Finance Solutions
Wallets, accounts, payments, and credit — embedded into your platform without the burden of building banking infrastructure from scratch.
→ Wallets & payments
→ Credit & lending modules
FinTech App Development
Native iOS, Android, and web apps for complex financial operations — delivering simple, intuitive user experiences customers actually trust.
→ Customer-facing apps
→ Internal operations tools
AI-Powered Financial Analytics
AI systems that study transaction data, customer behavior, and market signals to surface trends, risks, and growth opportunities earlier than competitors.
From digital banking platforms to AI-powered trading systems, we help startups and enterprises build secure, scalable, compliant software that wins markets.
FinTech software tailored to every financial segment
From banking and insurance to wealth and lending, our expertise enables sector-specific workflows with precision, scalability, and compliance.
Banking
• Core banking platforms
• Digital KYC & onboarding
• Real-time payment gateways
• Compliance monitoring tools
Lending
• Loan origination systems
• Credit risk engines
• Collections management
• Capital-markets servicing
Payments
• ACH, RTP & wire orchestration
• Card issuing & processing
• Cross-border platforms
• Merchant settlement systems
Wealth & Investment
• Portfolio management software
• Robo-advisory platforms
• Client reporting dashboards
• Brokerage & custody
Insurance
• Claims processing systems
• Underwriting automation
• Policy administration portals
• Fraud detection engines
Trading & Capital Markets
• Trade execution platforms
• Market data analytics
• Post-trade settlement
• Risk dashboards
Currency Exchange
• FX trading platforms
• Multi-currency wallets
• Cross-border remittance
• FX risk monitoring
Crypto & Digital Assets
• Exchange platforms
• Digital wallets
• Blockchain payment systems
• Crypto compliance tools
Compliance & security
Built to meet global financial compliance standards
Compliance is treated as a foundation, not an afterthought. Every product we ship aligns with the security, privacy, and operational standards regulators expect across US and global markets.
SOC
SOC 2 Type II
Service Org Controls
PCI
PCI DSS
Card data security
GLBA
GLBA
Safeguards rule
BSA
BSA / AML
FinCEN-aligned
KYC
KYC / OFAC
Customer due diligence
GDPR
GDPR / CCPA
Data privacy
ISO
ISO 27001
Information security
FINRA
FINRA / SEC
Securities regulation
Why Beltline
What makes Beltline a reliable FinTech software development partner
FinTech isn’t just another vertical for us — it’s where we’ve consistently delivered high-stakes, high-compliance software at scale for nearly a decade.
01
Purpose-built for regulated environments
Every product we develop meets the expectations of auditors, regulators, and real users — not just internal product teams. Whether it’s lending automation or digital onboarding, we architect with control, visibility, and traceability built in.
02
Compliance + scalability designed in
PCI DSS, GDPR, GLBA, and SOC 2 standards embedded into code, infrastructure, and workflows from day one. Integration expertise spans core banking systems, payment gateways, credit bureaus, and fraud-detection engines.
03
Proven track record with complex products
We’ve helped institutions bring real products to market — not MVPs that break at scale. From mobile-first payment apps to investment analytics dashboards and internal compliance systems, our experience spans the full FinTech stack.
Tech stack
The tech we use for custom FinTech software development
We pick boring, battle-tested tools on purpose — and modern ones where they actually help.
Frontend
ReactNext.jsTypeScriptTailwindTanStack
Backend
GoNode.jsPythonJava.NET CoregRPC
Databases
PostgreSQLTigerBeetleRedisKafkaSnowflake
Payments & APIs
StripePlaidModern TreasuryIncreaseISO 20022
Cloud & DevOps
AWSTerraformKubernetesDatadogPagerDuty
Security & Compliance
OAuth 2.0VaultVantaDrataAES-256
Our process
Our proven agile process for FinTech software development
Each step gets carefully planned and executed for the best results. First production deploy by week six — every time.
01
Assessment
Business analysts research your market and analyze your project to give realistic timelines and costs.
02
Discovery
Architecture, compliance, and risk controls — clarified before development begins.
03
UI/UX Design
Designers create intuitive experiences that look good and deliver real value to users.
04
Development
Build using approved designs, feature list, and tech stack — pair-programmed with your team.
05
Testing
Manual + automated QA, property tests on money paths, security review before any release.
06
Deployment
CI/CD pipelines, blue-green deploys, observability dashboards live before traffic.
07
Maintenance
90-day warranty + ongoing support and updates to keep your product current and secure.
Client testimonial
How clients describe working with our team
We turn down 60% of inbound. The 40% we take, we ship — and the relationships tend to last past the engagement.
Beltline walked in, found the four queries our entire business depended on, and built a system around them. We closed our Series B with the diligence team calling our architecture “unusually mature.”
MW
Marcus Whitfield
VP Engineering · Halcyon Lending
Recognized across global platforms
Trusted by partners and recognized by peers
2025
Clutch Top FinTech Developer
2025
AWS Advanced Tier Partner
2024
Forbes America’s Best Consultants
2024
Inc. 5000 Honoree
2023
Stripe Verified Partner
FAQs
Frequently asked questions
How much does it cost to build FinTech software?+
Most FinTech software development projects cost between $30,000 and $300,000+ depending on scope, compliance requirements, and integrations. Our two-week diagnostic starts at $24k flat; full builds typically run $95k–$135k/month for a 3-month minimum. Get a tailored estimate →
How long does it take to develop financial software?+
Typical fintech software builds take 3 to 12 months. We commit to first production deploy by week six on every engagement, with two-week iteration cycles after.
What types of FinTech software do you develop?+
Banking platforms, lending systems, payment infrastructure, wealth management tools, trading dashboards, insurance software, embedded finance, and AI-driven analytics. Both customer-facing and internal operational tools, web and mobile.
How do you ensure security and regulatory compliance?+
Compliance is built in from day one — not bolted on later. We bake in encryption, MFA, audit logging, and regulator-ready controls. Our team holds SOC 2 Type II, and we’ve never failed a client’s audit (SOC 2, PCI, or sponsor-bank diligence).
Do you provide end-to-end FinTech software development?+
Yes — strategy, design, backend, frontend, integrations, compliance, deployment, and 90 days of post-launch support. Everything under one team. No subcontracted handoffs.
Who owns the code we pay you to build?+
You do — work-for-hire, assigned at delivery. Any shared internal libraries we re-use are open-sourced under Apache-2 with attribution carved out.
What if we want to pause or stop?+
Every engagement carries a 30-day no-fault exit clause. We’d rather you come back next quarter than feel locked in this one.
Ready to build your next FinTech product?
Share a few details about your idea. Our team will come back in 48 hours with technical insights, timelines, and next steps.