FINTECH DEVELOPMENT

Fintech Software Development

We build secure, compliant fintech products: mobile banking, payment platforms, lending, neobanks, crypto wallets. Production-grade architecture with KYC/AML and PCI-DSS from day one.

Discuss Project Our Approach

Fintech Solutions We Build

From mobile banking to crypto exchanges — we cover the full fintech spectrum

Mobile Banking

Full-featured mobile banking apps: balances, transfers, cards, deposits. iOS + Android, native or React Native.

Payment Gateways

Custom payment processing with multiple acquirers, 3D-Secure, recurring billing, multi-currency.

Lending Platforms

Online lending, BNPL, P2P lending. Credit scoring, KYC, document processing, automated underwriting.

Neobanks & E-wallets

Digital banks with virtual cards, P2P transfers, savings goals, expense tracking, multi-currency accounts.

Crypto & Tokenization

Crypto wallets, exchanges, RWA tokenization, DeFi platforms. Ethereum, Solana, Hyperledger.

Compliance & RegTech

KYC/AML automation, transaction monitoring, sanctions screening, audit logs, reporting.

Compliance & Security

We build to international fintech standards

PCI-DSS

Payment card data protection — tokenization, secure transmission, audit logs.

KYC / AML

Customer verification, document processing, sanctions screening, ongoing monitoring.

Data Encryption

At-rest and in-transit encryption, HSM integration, key rotation, secure enclaves.

Audit & Reporting

Full audit trail, regulatory reporting, transaction reconciliation, fraud detection.

How We Build Fintech

From regulatory analysis to production deployment

Regulatory & Threat Analysis

Architecture & Security Design

Development with Audit Logs

Compliance Review & Launch

Questions & Answers

Frequently Asked Questions

What licenses do I need for a fintech product in Kazakhstan?

How long does fintech MVP take?

Do you handle PCI-DSS certification?

Can you integrate with local Kazakhstan banks?

Native iOS/Android or React Native for banking apps?

What licenses do I need for a fintech product in Kazakhstan?: Depends on the product. Payment services need Astana International Financial Centre (AIFC) authorization or NPS registration. Lending requires microfinance organization (MFO) license. Crypto activities are regulated by AIFC. We help architect compliance but recommend specialized legal counsel for licensing.
How long does fintech MVP take?: Mobile banking MVP: 4-6 months with KYC integration. Payment gateway: 3-5 months. Lending platform: 4-7 months. Timeline depends on regulatory requirements and external integrations (banks, payment processors).
Do you handle PCI-DSS certification?: We architect to PCI-DSS standards (tokenization, network segmentation, audit logs) but certification itself requires an external Qualified Security Assessor (QSA). We work alongside QSAs to prepare your environment for assessment.
Can you integrate with local Kazakhstan banks?: Yes. We've integrated with major KZ banks (Halyk, Kaspi, Jusan) via their API/SFTP channels. Also work with international processors (Stripe, Adyen, Worldpay) and crypto rails (USDT, USDC).
Native iOS/Android or React Native for banking apps?: For 80% of fintech apps — React Native works well (same UX both platforms, faster delivery, lower cost). Go native when you need deep hardware features (biometrics, NFC payments, secure enclave) or strict performance requirements (high-frequency trading apps).

Building a fintech product?

Tell us about your idea — we'll propose architecture and a compliance roadmap within 5 business days.

Start Project