Custom Fintech
Software & App
Development

• Legacy core banking still in the loop

  Modern fintech UX trapped behind decade-old core systems that respond in seconds, not milliseconds.

• Manual KYC and onboarding

  Sign-up takes days because identity, AML, and risk checks live in spreadsheets and email threads instead of automated flows.

• Fragmented payments and ledgers

  Stripe, Plaid, Adyen, your own ledger — five sources of truth that never reconcile cleanly at month-end.

• Compliance treated as paperwork

  PCI DSS, KYC, and SOC 2 retrofitted before audit instead of designed into the build. Every release becomes a legal review.

• Fraud caught after the fact

  Rules-based fraud filters catch yesterday's pattern. Today's loss is already paid out before the alert fires.

• Quote and trading latency that loses customers

  Every 100ms of price-display lag is a percentage of conversions you'll never see in the funnel.

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1. 01

   Discovery

   Walk-through of a customer's day-zero through day-90 journey, current-stack audit, regulatory scope, and stakeholder map.

2. 02

   Scope & roadmap

   Fixed-scope discovery sprint that delivers a working prototype, technical RFC, and written estimate for the full build.

3. 03

   Design

   Workflow-first UX, accessibility built in, and customer + ops shadow sessions before the first production pixel ships.

4. 04

   Build

   Iterative two-week increments, reviewable deploys for stakeholders, AI features land alongside core flows on the same cadence.

5. 05

   Compliance audit

   PCI DSS / SOC 2 / GDPR review, penetration test, and documentation pass in parallel with the build — not gated after.

6. 06

   Launch & support

   Pilot rollout, training, then steady-state engineering with SLA and on-call from the team that shipped it.

• Discovery sprint

  2–4 week fixed-scope sprint that delivers a working prototype and a written estimate for the full build. Best for new fintech ideas that need a real artefact before committing budget.

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• Dedicated product team

  A senior in-house pod (PM, designers, full-stack, AI, QA, payments specialist) embedded with your team. Best for ongoing scope, multi-quarter roadmaps, or a vendor takeover.

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• Code audit & takeover

  Inherit an existing fintech codebase, stabilise the highest-risk areas in the first sprint, then extend on a foundation you trust. Best for rescues, second-version rebuilds, and post-acquisition consolidation.

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• What is custom fintech software development?+

  Custom fintech software is built specifically for your money-movement model, customer segment, regulatory posture, and growth roadmap — rather than configuring an off-the-shelf banking-in-a-box product around your business. IrenicTech designs and ships the application end to end: architecture, UX, frontend, backend, AI, payments-rail integrations, KYC/AML, PCI DSS / SOC 2 controls, and post-launch support. You own the code, the IP, the data, and the customer relationship.

• How long does a PCI-compliant fintech app take to ship?+

  A focused MVP — onboarding plus KYC plus wallet plus transfers — typically lands in 10–14 weeks. A full multi-role neobank or trading platform runs 4–7 months. PCI DSS and SOC 2 audits happen in parallel with the build, so launch isn't gated on a separate compliance review cycle.

• What does a custom fintech build cost?+

  Discovery sprints land between $15–30k. MVPs typically run $80–200k depending on rails, regulated geographies, and the depth of compliance scope. Full platforms scope $300–800k+. You get a written estimate after the discovery sprint, not before — that's how we make scope honest.

• Can you integrate with Stripe, Plaid, Marqeta, Adyen, or our existing banking partners?+

  Yes. We work natively with Stripe, Stripe Issuing, Plaid, Finicity, TrueLayer, Marqeta, Adyen, Galileo, Visa Direct, Mastercard Send, RTP, FedNow, SEPA, ACH, and SWIFT. Custom integrations with bank-as-a-service partners are normal scope, not a separate engagement.

• Do you build for crypto / Web3 fintech?+

  Yes. Custodial and non-custodial wallets, exchange integrations, on-chain transfers, and the regulatory overlays that wrap them. Compliance is the harder problem — Travel Rule, sanctions screening, on-chain provenance — and we design those into the architecture from the first sprint.

• What compliance frameworks do you support out of the box?+

  PCI DSS, GDPR, SOC 2, KYC / AML, PSD2, ISO 27001, Open Banking (UK + EU), OAuth 2.0 / OpenID Connect as primary frameworks. We're FFIEC-aware for U.S. bank partnerships and FCA-aware for UK fintechs. Hosting runs on AWS / GCP / Azure with executed BAAs and appropriate data-residency controls.

• Can you take over an existing fintech codebase?+

  Yes — that's our 'code audit & takeover' engagement. We start with a security and architecture audit, stabilise the highest-risk areas in the first sprint, then add new scope on a foundation we trust. Most fintech takeovers ship their first new feature within 6 weeks.

• Who owns the code, data, and customer relationships?+

  You do. The code, the repo, the IP, the customer data, and the regulatory licence chain all live in your accounts. We document everything as we build it and hand over admin access from day one. No vendor lock-in.