What we do

Fintech Software Development Services

Q: We use a Banking-as-a-Service provider. Do we still need fintech engineering work?

Often, yes. The BaaS handles regulated banking primitives, but your product still owns identity, ledger reconciliation, fraud signals, customer-facing flows, and partner integration. The "BaaS handles compliance" assumption breaks down quickly under audit; we help you see where the boundary really is.

Q: We have PCI-DSS scope concerns. Can you help reduce it?

Yes. Scope reduction through tokenization, segmentation, and architectural redesign is a common engagement, moving teams from "PCI applies to most of the platform" to "PCI applies to a narrow tokenization service."

Q: We're entering a new jurisdiction. How do we evaluate the architectural impact?

We usually start with a Capability Blueprint Workshop scoped to the new jurisdiction. The output is a clear list of architectural changes, data-residency implications, compliance gaps, and a sequenced plan.

Q: We're considering building an in-house ledger. Should we?

Sometimes yes, sometimes no. It depends on your economics, regulatory requirements, team size, and roadmap. We've helped teams both build in-house ledgers and consciously stay on third-party providers. The wrong call either way is expensive; we help you make it deliberately.

Q: We're crypto-native. Does your model still apply?

Yes, with adaptations. Many crypto-native fintechs are building bridges to traditional finance, and the discipline of regulated fintech engineering becomes a requirement. We've worked on both sides of that bridge.

Build fintech platforms with the engineering discipline that regulators and auditors expect.

Results from our fintech work

20+

bank integrations live for automated payouts

Payroll SaaS case

<5 min

to set up retail analytics from fiscal data

Retail analytics case

39 weeks

from discovery to delivery of a regulated payroll platform

Payroll SaaS case

Book a call Estimate my project or write to us

MetaProject provides fintech software development for teams where every decision touches both money and identity, under regulation. A small mistake in payment idempotency becomes a reconciliation nightmare; an inconsistent identity model fails an audit; a scaling choice made for 100K users collapses under a B2B partnership's volume.

Building well here takes engineering discipline that generic SaaS playbooks don't provide. We work embedded with fintech product companies, neobanks, payment processors and embedded-finance providers. Our senior engineers build the platform and codify the practice your team owns after we leave.

Who we work with

Neobanks and digital banks scaling from MVP to a regulated, compliant platform

Payment platforms and PSPs with high-throughput, multi-currency, multi-jurisdiction flows

Embedded finance / Banking-as-a-Service providers offering financial primitives to other products

Lending and credit platforms with complex underwriting, decisioning, and servicing

Wealth, trading, and investment platforms balancing latency against accuracy and regulatory traceability

B2B finance products (invoicing, treasury, AP) integrating with banks and ERP systems

Crypto/Web3-native fintechs building the bridge to traditional finance rails

Whether you need full-cycle fintech software development services or focused fintech app development, our engagements are structured around leaving the capability with your team.

What makes fintech engineering different

Money moves bilaterally.

A bug in a SaaS product loses time; a bug in a payment system loses money, sometimes from the wrong party. Idempotency, reconciliation and audit trails are first-class architectural concerns from the first sprint.

Regulators have memory.

Decisions made today are reviewed in audits years from now. The "we'll document it later" pattern that survives in product SaaS dies in fintech.

Partners are part of your architecture.

Sponsor banks, payment networks, KYC providers, fraud vendors: every fintech is a system of systems, and integration architecture matters as much as internal architecture.

Failure modes have asymmetric cost.

Downtime costs revenue, data exposure costs the company, and a compliance failure can cost the licence. The engineering discipline has to reflect that.

What we build

Regulatory-aware architecture.

Designed with the regulation in mind from week one: PSD2/PSD3 strong customer authentication and XS2A, PCI-DSS cardholder-data flows and tokenization, GDPR for financial data, AML/KYC transaction-monitoring flows, SOC 2 controls as build artifacts, and Open Banking standards (OBIE, NextGenPSD2, FAPI 2.0). See DevSecOps Consulting.

Payment systems engineering

Idempotency and exactly-once semantics designed correctly rather than retrofitted; reconciliation between your books, networks, and partner banks; multi-rail payments (cards, ACH/SEPA, FedNow, SEPA Instant, PIX, open-banking initiation); fraud-detection integration; and settlement/ledger design with audit-grade traceability.

High-throughput, low-latency platforms

Event-driven cores with the ordering guarantees the domain needs, database choices matched to the workload (OLTP, OLAP, event sourcing, CQRS where it earns its keep), careful caching, and performance budgets baked into the architecture. The underlying capability is covered on Platform Engineering.

Identity and access for financial products

KYC tier architecture with progressive verification, SCA flows aligned to PSD2/PSD3, OAuth 2.1 / OIDC / FAPI for open banking and B2B APIs, and segregation of duties built into the authorization model.

Core banking and ledger systems

Build-vs-buy decisions on third-party ledgers (Modern Treasury, Treasury Prime, Currencycloud) vs an in-house ledger, double-entry design that survives reconciliation, multi-currency and multi-entity accounting, and immutability guarantees that satisfy auditors.

Capability transfer

Documented architecture decisions in your repos, trained internal architects who own the platform, runbooks for incidents and audits, and a skills matrix. In fintech, vendor lock-in is a real risk. See CoE Design & Transition.

How we work

Phase 1

Co-execution

We take the critical scope and build it in your repos, alongside your team.

Phase 2

Transition

Your team leads the work. We mentor and codify what works.

Phase 3

Self-sufficiency

Your team owns the practice. We step back to strategic counsel.

A typical engagement runs 9–14 months depending on scope. More on our approach: Delivery as Training and Exit by Design.

Why teams choose us for fintech work

Senior-only

Every engineer has prior fintech or regulated-industry experience. We don't learn PSD2 on your time.

Multi-jurisdiction experience

We've worked across US, UK, EU, and selected emerging markets, and we know where they differ and where they don't.

Documentation-first

Architecture decision records (ADRs) and runbooks live in your repos from day one.

Exit by design

Transition timelines and self-sufficiency milestones are part of the engagement.

When to bring us in

You're scaling past the MVP and realising the architecture that got you here won't get you where you're going.

You're preparing for SOC 2, PCI-DSS, or a banking-partner due diligence and need controls baked into engineering.

You're expanding internationally, adding EU, UK, or US to a single-jurisdiction product.

You're re-architecting payments for new rails, currencies, or volume.

You're migrating off a vendor platform (BaaS, core banking, processor) without freezing the business.

You're coming out of an incident or audit finding and want to rebuild the practice behind the hole instead of patching it.

Case study · Payroll SaaS (NDA)

Payroll that HR teams can trust with statutory filings

20+bank integrations live for automated payouts

Read the case →

Case study · Fintech (NDA)

Store performance in one tap, for owners and their staff

<5 minto set up from fiscal data

Read the case →

Services:

Software Architecture Consulting · Platform Engineering · DevSecOps Consulting · CoE Design & Transition

Resources:

Microservices Best Practices

Industries:

SaaS Development Services

Fintech software development FAQ

We use a Banking-as-a-Service provider. Do we still need fintech engineering work?

Often, yes. The BaaS handles regulated banking primitives, but your product still owns identity, ledger reconciliation, fraud signals, customer-facing flows, and partner integration. The "BaaS handles compliance" assumption breaks down quickly under audit; we help you see where the boundary really is.

We have PCI-DSS scope concerns. Can you help reduce it?

Yes. Scope reduction through tokenization, segmentation, and architectural redesign is a common engagement, moving teams from "PCI applies to most of the platform" to "PCI applies to a narrow tokenization service."

We're entering a new jurisdiction. How do we evaluate the architectural impact?

We usually start with a Capability Blueprint Workshop scoped to the new jurisdiction. The output is a clear list of architectural changes, data-residency implications, compliance gaps, and a sequenced plan.

We're considering building an in-house ledger. Should we?

Sometimes yes, sometimes no. It depends on your economics, regulatory requirements, team size, and roadmap. We've helped teams both build in-house ledgers and consciously stay on third-party providers. The wrong call either way is expensive; we help you make it deliberately.

We're crypto-native. Does your model still apply?