Can you integrate with banking APIs and cores?

Yes. We connect apps to banking cores, card networks, and open banking APIs including Plaid, Stripe, Marqeta, and others depending on your product requirements. The specific integrations are confirmed during discovery rather than assumed upfront.

Do you handle KYC and AML requirements?

Yes. We build identity verification, document checking, and transaction monitoring into the product itself rather than leaving them as manual processes. We integrate with providers such as Persona, Onfido, and Sardine based on your compliance needs.

Who owns the app after it’s built?

You do. Source code, App Store Connect account, and Google Play Console account are all yours. We stay on as collaborators you can remove at any point, so you are never dependent on us to access your own product.

How do you handle security after launch?

Fintech threats evolve after launch. We offer ongoing monitoring, dependency patching, and security reviews on a schedule that matches your risk profile rather than a fixed calendar. New fraud patterns and API changes are addressed as they emerge.

Fintech App Development Company | Stateside Digitals

Financial products live and die on trust, and trust is built in the interface before a user reads a single word of your privacy policy. Generic software hands you a template that looks like every other app in the category. A custom build is how you put something in front of users that feels like it was made for them rather than adapted for everyone.

Compliance is the other reason. A fintech product operating in the US typically touches PCI DSS for card data, state money transmitter licensing for moving funds, and SOC 2 for the enterprise clients who will ask for it. Retrofitting those requirements onto software not designed around them is where fintech projects go over budget. Building them in is the alternative.

01

Payment and Wallet Infrastructure

Card processing, ACH transfers, digital wallets, and real-time balance updates, built on regulated rails your compliance team can audit.

02

Core Banking Integration

Connecting your app to banking cores, card networks, and ledger systems through APIs your operations team can operate without a developer in the room for every transaction query.

03

KYC, AML, and Identity Verification

Identity checks, document verification, and transaction monitoring built into onboarding rather than bolted on after a compliance review.

Account dashboard and transaction history
Peer-to-peer payments and transfers
Spending categorisation and budgeting tools
Card controls and instant freeze
Push alerts for transactions and limits

Multi-user accounts with role permissions
Bulk payment and payroll disbursement
Invoice creation and reconciliation
API access for platform integration
Real-time cash flow reporting

Full transaction audit trail
KYC and AML monitoring dashboard
SAR filing workflow support
Role-based access with MFA enforcement
Regulatory reporting exports

Financial data is the highest-value target in software. That means encryption at rest and in transit is the floor rather than the ceiling. Every session is tokenised. Card data never touches your servers if it does not have to. Biometric and multi-factor authentication are part of the default flow rather than an optional setting users have to find.

Compliance architecture sits alongside security rather than after it. PCI DSS scoping decisions are made before the first line of payment code is written. SOC 2 controls are designed into access and logging from the start. State money transmitter requirements are mapped before the product roadmap is finalised. Your regulator’s questions should have answers before they are asked.

01Discovery

We map your regulatory requirements, payment rails, and integration dependencies before any design decisions are made.

02Design

We prototype the consumer and business experience with trust signals and compliance flows tested before development begins.

03Development

We build in sprints with regular check-ins, so you see the product taking shape and can redirect before it goes further.

04Testing

Every build goes through security testing, penetration review, and compliance checks before it reaches the app stores.

We build apps across the full range of financial services verticals, including those with the most demanding regulatory and integration requirements: digital banking and neobanks, payments and money transfer, lending and credit, wealth management and investing, insurance technology, buy now pay later, cryptocurrency and digital assets, payroll and HR finance, accounting and expense management, and regtech and compliance platforms.

01

Compliance Mapped Before We Build

02

Payment Rail and API Experience

03

Security Architecture From Day One

04

Support Through Regulatory Changes

PCI DSS scoping, SOC 2 controls, and state money transmitter requirements are mapped before the first line of payment code is written, not retrofitted after an audit question arrives.

We connect apps to banking cores, card networks, and open banking APIs including Plaid, Stripe, and Marqeta, so your product moves money on infrastructure your operations team can actually run.

Encryption at rest and in transit, tokenised sessions, and biometric multi-factor authentication are part of the default flow, not an optional setting users have to go find.

We stay on after launch for regulatory updates, API changes, and the new fraud patterns that emerge once real transaction volume starts flowing.

01

Compliance Mapped Before We Build

02

Payment Rail and API Experience

03

Security Architecture From Day One

04

Support Through Regulatory Changes

Yes. PCI DSS compliance shapes our approach to card data from the start, including scoping decisions that keep your environment as small as possible. We work with your payment processor to handle card data off your infrastructure wherever that is an option.

Fintech App Development Company

Why Fintech Companies Need A Custom App