# Fintech & Digital Payments Development

> Build consumer fintech products including neobanks, BNPL, digital wallets, and embedded finance APIs.

Canonical: https://app369.com/industries/fintech/

Fintech and digital payments development for neobanks, lenders and embedded-finance products: digital wallets, payments, BNPL flows and onboarding with KYC, built on proven payment providers.

[**Get a Free Quote **→](https://app369.com/contact/) [**View Portfolio**](https://app369.com/portfolio/)

**FL**

Based in Miami, Florida

**Flutter**

iOS, Android & web

**Fixed**

Price in writing before work starts

**ET**

Eastern Time hours

What App369 Delivers

## **Fintech Solutions We Deliver**

01

### **Neobank Platforms**

Full-featured digital banking apps with account opening, debit cards, direct deposits, and fee-free ATM networks, all without physical branches.

02

### **BNPL Solutions**

Buy-now-pay-later platforms with real-time credit decisioning, installment management, and merchant integration APIs.

03

### **Embedded Finance APIs**

Banking-as-a-service APIs that enable non-financial companies to embed payments, lending, and insurance into their products.

04

### **Digital Wallet Development**

Multi-currency digital wallets supporting fiat, stablecoins, and cryptocurrency with QR payments, P2P transfers, and rewards programs.

05

### **Open Banking Integration**

PSD2-compliant account aggregation, payment initiation, and data enrichment via Plaid, Tink, and TrueLayer APIs.

06

### **Crypto & DeFi Applications**

Cryptocurrency exchange interfaces, DeFi protocol integrations, and custodial/non-custodial wallet solutions with regulatory compliance frameworks.

How it works

## **The Development Process**

Short sprints with a working demo at the end of each one mean you see progress early and can change priorities before they become expensive.

2. 01 ### **Discovery** Simon analyzes your vision, goals, and competitive landscape to craft a solution roadmap. This phase typically runs 1-2 weeks and defines the full project scope.
3. 02 ### **Design** Intuitive UI/UX crafted with interactive prototypes. Prototypes let you test the flow with real users before any code is written.
4. 03 ### **Development** Expert engineering using Flutter, Vue.js, Node.js, and GCP in 2-week Agile sprints with weekly milestone demos for full transparency.
5. 04 ### **Launch & Support** Reliable deployment with crash and uptime monitoring and ongoing maintenance. Maintenance plans run during business hours, Monday to Friday.

## The Technology Stack

- Flutter
- TypeScript
- Node.js
- GCP
- Firebase
- Stripe API
- Plaid
- Python

Questions

## **Frequently Asked Questions**

### **How do you build BNPL solutions that comply with evolving consumer lending regulations?**

BNPL platforms implement real-time credit decisioning with configurable underwriting rules that adapt to jurisdiction-specific requirements, including TILA disclosures, state lending licenses, and CFPB guidelines. We build transparent affordability checks and hardship pathways required by emerging regulations. Our compliance framework includes automated regulatory monitoring that flags when rule changes affect lending criteria or disclosure language.

### **What is embedded finance and how does it work technically?**

Embedded finance integrates financial services (payments, lending, insurance, banking) directly into non-financial platforms via APIs. Technically, this involves partnerships with licensed banking sponsors, BaaS (Banking-as-a-Service) providers like Unit or Treasury Prime, and payment processors. We build the API integration layer, compliance wrapper, and user experience that connects partner infrastructure to your platform.

### **How do digital wallets handle multi-currency and cryptocurrency transactions securely?**

Digital wallets use hot/cold wallet architectures for cryptocurrency, HSM-protected private keys, and multi-signature authorization for high-value transfers. Fiat currency handling integrates with banking partners via ACH, wire, and real-time payment rails. We implement transaction monitoring, velocity checks, and regulatory screening (OFAC/sanctions) for both fiat and crypto transfers to maintain compliance across jurisdictions.

### **What open banking APIs should fintech applications integrate with?**

The core open banking integrations are account aggregation (Plaid, Tink, Yodlee), payment initiation (TrueLayer, Token.io), identity verification (Jumio, Onfido), and data enrichment (MX, Finicity). PSD2-compliant APIs provide standardized access to bank accounts with explicit user consent. The integration layer can normalize data across providers, handle token management, and implement fallback strategies for API reliability.

![Simon Dziak - Founder of App369](https://app369.com/.netlify/images?w=120&h=120&fm=webp&q=100&url=%2Fimages%2Fszymon.jpg)

Your Development Partner

## [Simon Dziak](https://app369.com/about/)

I build every fintech & digital payments development project myself, with Flutter and Firebase, and I personally ensure every project meets the highest standards.

## **Prefer a fixed price?**

Fixed scope, fixed price, paid upfront. The work happens in writing; no call needed.

- [**Web App MVP Sprint**from $6,000A scoped web app MVP in Vue/Nuxt or React, with a fixed quote after a $450 written scoping.](https://app369.com/fixed-price/web-app-mvp/)
- [**App Fix Ticket**from $450One reproducible bug in an existing mobile or web app, diagnosed and fixed.](https://app369.com/fixed-price/flutter-firebase-bug-fix/)
- [**AI Feature or Agent Build**$2,500One LLM feature or agent wired into your app or tools, with an eval set that shows how well it works.](https://app369.com/fixed-price/ai-feature-development/)

## **Launch Your Fintech Product with Consumer-First Technology**

[**Get a Free Quote **→](https://app369.com/contact/) [**View Portfolio**](https://app369.com/portfolio/)