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FinTech Software Development & Consulting

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.

Start your projectSee our work
9+ yrs
Shipping fintech
62
Platforms delivered
$4.1B
Annual volume on our rails
TT
Ledger / live
Reconciliation · streaming
Healthy
Volume cleared
$2.41M
▲ 18.4%
Unreconciled
$0.00
● 2,419,883 entries
MonTueWedThuFriSat
SOC 2 Type II
0 audit findings · 2025
RTP
Settlement · 1.2s
99.99% SLA hit
Trusted by funded fintech teams across the US
LedgermintNorthbound CapitalParallel PaySixth & Co.Halcyon LendingAtlas TreasuryModulus FXJunction BankAnchor PayoutsLedgermintNorthbound CapitalParallel PaySixth & Co.Halcyon LendingAtlas TreasuryModulus FXJunction BankAnchor Payouts
62+
Fintech platforms successfully delivered
98%
On-time delivery rate across engagements
100%
SOC 2 / PCI / sponsor-bank diligence pass rate
$4.1B
Annual transaction volume running on our systems
Our services

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Outdated systems create friction, risk, and cost.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.

  • Predictive insights
  • Behavior analysis
Explore all services

Looking to launch the next big FinTech product?

From digital banking platforms to AI-powered trading systems, we help startups and enterprises build secure, scalable, compliant software that wins markets.

Build with Beltline
Recent engagement
RTP live
in 9 weeks
Parallel Pay · $410M cleared month one
0
Reversals
99.99%
SLA
Series A
Closed
Success stories

Success stories that speak to our excellence in FinTech solutions

Our portfolio shows how our custom FinTech software development has helped clients launch new products, strengthen compliance, and scale operations.

LendingSeries B · 14 months

Halcyon Lending: One ledger, 14 systems retired

!
The Challenge
Reconciliation across 14 disparate systems took 6 hours daily. SOC 2 had 11 exceptions. Series B diligence was 8 weeks out.
+
How We Helped
Built an event-sourced canonical ledger with Postgres + Temporal. Migrated 2.4M historical entries. Reconciliation became a 4-minute streaming job.
The Impact
6h → 4m reconciliation. Zero SOC 2 findings. Series B closed at higher valuation with unusually mature architecture commentary.
Read full case study
Reconciliation time
Before
6h
After
4m
Ops headcount4 FTE → 0.5 FTE
SOC 2 findings11 → 0
Source systems14 → 1
PaymentsSeries A · 9 weeks

Parallel Pay: Real-time payments in 9 weeks

!
The Challenge
Board mandate to ship RTP before pricing round. Existing payments stack stalled. Three contractors, no clear ownership.
+
How We Helped
Absorbed in-flight work, killed the refactor, shipped a clean orchestration layer on TigerBeetle + Temporal with idempotency throughout.
The Impact
$410M cleared month one. 99.99% SLA. Zero reversals, zero incidents, zero compliance escalations outside the system.
Read full case study
RTP Volume Growth
$410M
Month one cleared volume
W1W6W12
ComplianceSeries C · 21 days

Atlas Treasury: SOC 2 saved in 21 days

!
The Challenge
21 days from SOC 2 Type II close. 38 open exceptions, 2 missing controls, broken evidence pipeline. Internal team working weekends.
+
How We Helped
Two senior engineers triaged every exception, rebuilt the evidence pipeline against real systems, prepped auditor packet from scratch.
The Impact
Audit closed on time, zero findings. Same playbook now powers their ISO 27001 program. Auditor called it cleanest controls shed seen in a year.
Read full case study
21-Day Recovery Plan
D1Diagnose & triage
✓ Done
D8Build evidence pipeline
✓ Done
D11Remediate exceptions
✓ Done
D15Evidence collection
✓ Done
D21Audit closed · 0 findings
Industries we serve

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.

Read more stories

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.

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