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Our Services

A complete suite of FinTech software development services

Every fintech we've shipped failed in the seams between teams. We solved that by being the same team end-to-end — design, engineering, compliance, and advisory under one contract. Here's what that buys you.

Start your project See case studies
01
Development
02
Integration
03
Cybersecurity
04
Modernization
05
Consulting
06
Embedded Finance
07
App Development
08
AI Analytics
01 / DEVELOPMENT

Custom Financial Software Development

We build financial software around your actual workflows — not generic templates. Whether you're handling high-frequency transactions or streamlining reconciliation, our tools solve specific business challenges with code your team can own and extend.

  • Double-entry ledger systems — canonical, immutable, queryable. Postgres-first; scale up when you've earned it.
  • Payment orchestration layers — multi-rail routing with idempotency, retries, and built-in reconciliation.
  • Operational dashboards — the ops console your team won't quit over. Search-first, action-dense, audit-aware.
  • Workflow & saga engines — Temporal for long-running money flows. Visibility your COO can read.
Talk to a developer
Recent build · Halcyon Lending
6h → 4m
Reconciliation time, after our ledger replaced 14 disparate systems.
Before↑ MigrationAfter
14→1
Systems
$2.4M
Savings
0
Findings
Integration partners we've shipped against
Stripe
Plaid
Modern Treasury
Increase
Adyen
Lithic
Unit
Treasury Prime
Persona
Alloy
Sardine
Column
+ 40 more · We've shipped against the entire US fintech rails stack
02 / INTEGRATION

FinTech Integration Services

Your systems need to talk to each other — cleanly, compliantly, and with full observability. We connect core banking platforms, KYC providers, sanctions screens, and payment infrastructure with the patterns that survive production.

  • System interoperability — link internal tools and external platforms for smooth, observable data flows.
  • Compliance-ready APIs — every integration meets local and global obligations. Audit-trail built in.
  • Core banking adapters — FIS, Fiserv, Jack Henry, Temenos. We've translated all of them.
  • ISO 20022 & FIX — the financial messaging standards your bank partners actually require.
Talk integrations
03 / CYBERSECURITY

FinTech Cybersecurity Services

We don't just build FinTech software — we protect it. Our approach is proactive, layered, and built around compliance frameworks like SOC 2, PCI DSS, and GLBA from day one. Audits stop being interrogations and start being reads.

  • Real-time risk monitoring — tracks user activity, transactions, and system behavior to catch anomalies early.
  • Defense by design — encryption, MFA, secure access, and least-privilege built in from the ground up.
  • SOC 2 / PCI / GLBA enablement — Vanta or Drata setup, control mapping, evidence pipelines that pass.
  • Sponsor-bank diligence — we answer the 400-question packet so your team doesn't have to.
Talk security
Compliance scoreboard · 2025
100% pass
Across every SOC 2, PCI, and sponsor-bank diligence we've run.
SOC 2 Type II
19 reports · 0 findings
PCI DSS
8 attestations · scope-reduced
Sponsor-bank diligence
14 packets · all approved
Pen tests
Annual · external · public report
More services

Five more disciplines we deliver end-to-end

Every service includes pair-programming with your team, a 90-day warranty, and a clear hand-off plan.

04 / MODERNIZATION

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.

  • Strangler-fig migrations
  • Modular rebuilds, zero downtime
  • Cloud infrastructure transition
05 / CONSULTING

FinTech Software Consulting

Strategic guidance on architecture, compliance, vendor selection, and team-building from a partner who's shipped 62+ fintech platforms. Includes fractional-CTO retainer.

  • Two-week architecture audit
  • Vendor & rail selection
  • Diligence-call support
06 / EMBEDDED FINANCE

Embedded Finance Solutions

Wallets, accounts, payments, and credit embedded into your platform without building banking infrastructure from scratch. For vertical SaaS adding fintech surface.

  • Multi-tenant wallets & payouts
  • Credit / BNPL modules
  • Account-abstraction layers
07 / APP DEVELOPMENT

FinTech App Development

Native iOS, Android, and web apps for complex financial operations — designed for the trust customers expect from a regulated product. SwiftUI + Kotlin + React Native.

  • Customer-facing iOS / Android
  • Operator & ops consoles
  • Onboarding & KYC flows
08 / AI ANALYTICS

AI-Powered Financial Analytics

AI systems that study transaction data, customer behavior, and market signals — surfacing trends, fraud, and growth opportunities earlier than your competitors will.

  • Predictive forecasting
  • Fraud & risk scoring
  • Behavior segmentation
— OR ALL OF THE ABOVE

Build with one team, end-to-end

No handoffs between vendors. No "phase 2" you didn't ask for. One contract, one team, one shipping deadline you can actually plan around.

Start a project
Engagement models

Pick the engagement that fits the problem

Three ways to work with us. All come with mutual NDA, 30-day no-fault exit, and a 90-day warranty on every line of shipped code.

DIAGNOSTIC

Two-week read

Senior partner, full audit, one-page write-up.

$24kflat
  • Codebase walkthrough
  • Architecture & risk map
  • Roadmap reality-check
  • Hiring & vendor advice
Book diagnostic
MOST CHOSEN
BUILD TEAM

Embedded pod

1 designer + 3 engineers + 1 lead. Full surface, end-to-end.

$95–135k/ mo
  • Full product surface end-to-end
  • Production deploy by week 6
  • Two-week cycles, Friday demos
  • Pair-programmed w/ your team
Start a project
FRACTIONAL

CTO on retainer

A partner in your standups, board calls, and diligence rooms.

$18k/ mo
  • 2 days / week, on-site or remote
  • Hiring rubrics & interview loops
  • Architecture & vendor reviews
  • Board-deck tech narrative
Talk retainer
All engagements include mutual NDA, 30-day no-fault exit, and 90-day code warranty.
Deliverables

What's actually in the box

Every engagement ships these artifacts. None are upsells, none are optional. If we shipped without them, we didn't finish the job.

D/01Production codeYours from line one. Work-for-hire assigned at delivery. Reviewed in your repo.Go · TS · Postgres
D/02Architecture diagramOne page. The kind a regulator and a junior engineer both understand.PDF + source
D/03Design systemFigma library + Storybook. Tokens, components, accessibility audit.Figma · Storybook
D/04RunbooksEvery alert mapped to a fix. Every dependency mapped to an owner.Markdown · Notion
D/05Auditor packetControl matrix, evidence index, policy templates. Pre-mapped to SOC 2 controls.PDF + Vanta/Drata
D/0690-day warrantyAny defect we shipped, we fix. On us. No invoice. Contractually binding.Contractual

Not sure which service you need?

Send us your problem in a paragraph. We'll reply in 48 hours with a one-page recommendation — or tell you who's a better fit if it isn't us.

Get a free consultation
FAQs

Common questions about our services

Do you sign mutual NDAs before the first call?+
Yes. We send a standard mutual NDA with the calendar link. If your counsel prefers your form, that's fine — we sign yours.
Who owns the code?+
You do. Work-for-hire, assigned at delivery. Any internal libraries we re-use are open-sourced under Apache-2 with attribution carved out.
Will you work with our existing engineers?+
Always. Pair-programming and shared standups are non-negotiable on every build engagement. If we leave and your team doesn't know the system better than we do, we did it wrong.
Do you take equity in lieu of cash?+
Occasionally, for pre-seed teams we're convinced about. Cap of 20% of fees, never more than 1% of fully-diluted equity. Not the norm.
What happens if we want to pause?+
30 days' notice, no penalty. Every engagement carries a no-fault exit clause.
Are you the right team for a regulated bank?+
For challenger banks and BaaS partners — yes, four shipped. For a chartered national bank's core-modernization, we'd partner with a heavier consultancy. Honest answer up front.
What do you say no to?+
Crypto-native trading systems. Unregulated lending. Anything where the product depends on users not reading the fine print. We turn down 60% of inbound.

Two slots open this quarter. Yours?

Tell us about the project. We'll send a one-page diagnostic within 48 hours.

Start a project hello@getbeltline.com