Industries — Fintech

Fintech App
Development

Name: Appverra
Address: 20 N Moore St, New York, NY, 10013, US
Telephone: (213) 714-7176
Price range: $$

We build payment, wallet, lending, and personal-finance apps that move real money — on top of licensed providers like Stripe and Plaid, with security designed in from day one. We build the product layer; the regulated rails stay with the providers who are licensed to run them. 150+ apps shipped, 700+ customers. Fintech MVPs from $7,997, with a $1,997 Discovery Sprint to scope your integrations first.

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What we build for fintech

Fintech apps live and die on trust, speed, and a flawless money flow. We have shipped products across the spectrum, and the ones we build best are the app and backend that sit on top of licensed financial infrastructure:

Payments & wallets

Send, receive, and store value with card payments, ACH, and in-app wallets — tokenized and secure end to end.

Lending & BNPL front-ends

Application flows, underwriting hand-offs, repayment schedules, and dashboards on top of your lending provider.

Personal finance & budgeting

Account aggregation via Plaid, spend categorization, goals, and insights that make money easy to understand.

Investing & crypto interfaces

Portfolio views, on-ramps, and trading UIs built on top of licensed exchanges and brokerages via their APIs.

Neobank-style apps

Onboarding, KYC, card issuing, and account experiences powered by your banking-as-a-service partner.

B2B & embedded finance

Payouts, invoicing, and finance features embedded inside SaaS and marketplace products.

Compliance and security, handled honestly

Most fintech risk comes from where the data lives and who is licensed to touch it. We architect your app so it stays in the lightest possible compliance scope and leans on providers who are already regulated to do the hard parts:

PCI scope by design. Card data goes device-to-processor and your app only sees tokens, keeping you in SAQ A scope instead of vaulting card numbers yourself.
KYC and identity via providers. We integrate Persona, Onfido, or Stripe Identity for verification rather than building identity checks from scratch.

Security built in. Biometric auth, secure Keychain/Keystore storage, encryption at rest and in transit, short-lived sessions, and least-privilege APIs.
Audit-ready foundations. Clean logging, access controls, and architecture that your SOC 2 or security review can actually pass.

The honest line: we are your engineering team, not your compliance or legal counsel. We build to integrate with licensed providers and follow security best practice — your regulatory and licensing posture stays with you and your compliance team, and we work alongside them.

The fintech stack we reach for

Stripe and Stripe Connect, Plaid and MX for bank data, Dwolla for ACH, Persona and Onfido for KYC, plus biometric auth and secure storage on device. We are Flutter-first, so most fintech apps ship to iOS and Android from one codebase — see our cross-platform and Flutter app development pages. When you need the backend, ledgers, webhooks, and an admin dashboard built alongside the app, our full-stack team delivers the whole system as one.

What we don\'t build

We say no on the first call, never after taking your money. In fintech that means we don\'t become your custodian, money transmitter, or bank; we don\'t run matching or trading engines that need broker-dealer licensing; and we don\'t take on the regulated core that licensed providers exist to operate. We build the app and integration layer on top of those providers. If your project needs the regulated rails themselves, we\'ll tell you up front and point you to the right partner.

Fintech app development pricing

Fixed-bid, agreed up front after the Discovery Sprint. Fintech MVPs usually land between Launch and Growth because of provider integrations and security work.

Discovery Sprint

$1,997

Scope + prototype

Starter

$7,997

Focused MVP

Launch

$14,997

App + backend

Growth

$29,997

App + backend + admin

Scale

$59,997

Multi-role, high-scale

FAQ’s

Fintech App Development FAQs

We build your app so it never touches raw card data in the first place. Card details go straight from the user's device to a PCI-compliant processor like Stripe, and your app only ever sees a token. That keeps you in the lightest PCI scope (SAQ A) by design, rather than us storing card numbers and inheriting the full compliance burden. We set up the tokenization, webhooks, and secure flows — your processor handles the vault.

Yes — that is the core of fintech app work. We integrate payment processors (Stripe, Adyen), bank-account linking and balance/transaction data (Plaid, MX), ACH and payouts (Stripe Connect, Dwolla), card issuing, and KYC/identity verification (Persona, Onfido, Stripe Identity). We build the app and backend that orchestrate these providers cleanly so your product works end to end.

We build the app layer — wallets, on-ramps, portfolio views, and trading interfaces — on top of licensed providers and exchanges via their APIs. What we do not do is become your custodian, run a matching engine, or take on broker-dealer or money-transmitter licensing. If your product needs those, you bring the licensed provider and we build the experience around it. We will tell you on the first call exactly where that line sits.

Biometric and PIN authentication, secure on-device storage (Keychain and Keystore) for tokens, TLS everywhere, encrypted data at rest, short-lived sessions, and least-privilege API design. We add fraud-relevant signals and device checks where they fit, and we keep secrets out of the client. Security is built into the architecture from the Discovery Sprint, not bolted on before launch.

Our fixed-bid tiers run from a $7,997 Starter build to a $59,997 Scale build, with most funded fintech MVPs landing between $14,997 and $29,997 because of the provider integrations and security work involved. Most ship in roughly six to ten weeks from the $1,997 Discovery Sprint, which scopes the integrations and gives you a fixed price before you commit.

No, and we will say so plainly. We are your engineering team. We build to integrate with regulated, licensed providers and follow security best practice, but your licensing, regulatory, and legal posture is yours to own with your compliance counsel. We work alongside that team — we do not replace it, and we will not pretend to.

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