Fintech Software Development You Can Trust

PaymentsLendingBanking & walletsTradingCrypto

Fintech software is held to a standard almost nothing else is. It handles money, so it has to be flawless. It holds the most sensitive data there is, so it has to be secure against serious, motivated attackers, and it answers to regulators who do not accept good intentions as a defence. We build financial platforms that process real transactions and stand up to security scrutiny.

  • Built to GDPR, financial data on European infrastructure
  • Security, fraud and compliance controls designed in
  • A senior engineer replies within one business day
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  • GDPR compliant
  • EU data residency
  • Building since 2016
  • No lock-in

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Fintech software we build for every part of the market

Fintech is not one product; it is a whole market of them, and each carries its own rules and risks. A payment platform answers to one set of regulations, a lender to another, a crypto product to a fast-moving third. Each rests on robust backend development and, where an off-the-shelf tool cannot reach, on custom software development. Below is how we build for each part of the fintech world, because a system built for payments rarely fits lending or trading without serious thought about its specific compliance.

Payments and transfers

Payments and transfers

Payment software has no margin for error, because every transaction is real money moving in real time. We build payment platforms, gateways and transfer systems that process transactions flawlessly, reconcile cleanly, and stay secure under load, with the audit trail and compliance controls built into the architecture rather than added before launch.

  • Payment platforms and gateway integration
  • Money transfer and remittance systems
  • Real-time transaction processing and reconciliation
  • PCI-aware handling of card and payment data
  • Fraud monitoring and audit-ready logging
Lending and credit

Lending and credit

Lending platforms turn data into decisions about money, so they have to be accurate, fair and defensible. We build lending and credit systems with scoring, application flows and servicing that hold up to regulatory and internal scrutiny, with the decisions traceable rather than hidden in a black box.

  • Loan origination and application platforms
  • Credit scoring and risk models
  • Servicing, repayment and collections tools
  • Traceable, auditable decision logic
  • Compliance controls built into every step
Digital banking and wallets

Digital banking and wallets

A digital bank or wallet is the customer's whole relationship with their money, so it has to feel effortless and be utterly secure at the same time. We build banking apps and wallets where accounts, payments, cards and balances work seamlessly, protected by strong authentication and security designed in from the first commit.

  • Digital banking and neobank platforms
  • Multi-currency wallets and accounts
  • Card issuing and management integration
  • Strong authentication and security throughout
  • Real-time balances and transaction feeds
Investing, trading and wealth

Investing, trading and wealth

Investment and trading platforms move on data and latency, and a delay or an error has a direct financial cost to the user. We build investing, trading and wealth tools where portfolios, orders and market data update in real time, with the reliability and security that handling people's investments demands.

  • Investing and trading platforms
  • Portfolio and wealth management tools
  • Real-time market data integration
  • Order execution and reporting
  • Robust, low-latency, secure infrastructure
Crypto, blockchain and Web3

Crypto, blockchain and Web3

Crypto products combine genuine technical complexity with real financial stakes and evolving regulation. We build wallets, exchanges and blockchain applications across multiple networks, with the encryption, key management and security that protecting digital assets demands, and a clear-eyed view of the compliance landscape.

  • Multi-network crypto wallets and apps
  • Token support across major standards
  • Secure on-device key storage and encryption
  • Exchange and DApp browser integration
  • Security-first architecture for digital assets

Apps We Took From Idea to Launch

A few products that show what one accountable team can ship, built to be genuinely used.

InReserve — Ethereum Wallet App

InReserve — Ethereum Wallet App

A native iOS and Android wallet that handles ERC20, ERC721, ERC1155 and ERC875 tokens in one unified portfolio. Encrypted on-device key storage with biometric MFA, a built-in DApp browser and multi-network support for Ethereum, BSC, Polygon and Avalanche.

My Meeting Card — Attendance Verification App

My Meeting Card — Attendance Verification App

A native attendance verification app for rehab, parole, probation and outpatient programs. Live GPS check-ins, Zoom presence tracking and recurring schedules in one place with the privacy controls the use case demands.

Recu — Fashion Marketplace App

Recu — Fashion Marketplace App

A Flutter-based mobile marketplace where fashion finds a second life. Buyers discover curated listings on a visual feed and message sellers directly; sellers photograph, price and publish items in under two minutes. One app, two sides of the same closet.

Scannur — Inventory + AI Scanning App

Scannur — Inventory + AI Scanning App

Native inventory management app with on-device barcode scanning across 10+ formats, AWS Lambda image search and real-time PostgreSQL catalog sync. Purchase orders, stock-takes and receiving lists all share one item library — built end-to-end for iOS and Android.

Browse all case studies

What makes Mobilions a fintech software development company

Fintech companies choose us because we build security, compliance and reliability into the foundation, where money and regulation leave no room for shortcuts, and we apply machine learning to fraud and risk scoring with traceable, defensible logic. These are the four things we are most often brought in to get right.

The platform built as one

One fintech platform

App, transaction engine, backend and integrations — one team, no seams.

Security by design
Security by design
Accurate transactions
Accurate transactions
Fraud and risk controls
Fraud & risk controls
Reliability
Reliability
Security and compliance designed into the architecture

Security and compliance designed into the architecture

In fintech, security cannot be a final-week task. We design encryption, strong authentication, granular access control and full audit logging into the architecture from the first commit, with PCI-aware handling of payment data and GDPR-compliant data flows on European infrastructure. We build to pass the scrutiny that a financial audit actually applies, not just to look secure in a demo.

Real-time accurate transaction handling

Real-time, accurate transaction handling

Money has to move correctly and reconcile exactly every time. We build transaction processing that is accurate under load, reconciles cleanly, and leaves a complete, auditable trail, because in finance, a transaction that is almost right is wrong, and a system that loses track of money loses trust with it.

Fraud, risk and responsible finance controls

Fraud, risk and responsible finance controls

Financial platforms attract fraud and carry real risk, so we build the controls in. Fraud monitoring, risk checks, KYC and AML, where they apply, and jurisdiction-aware logic are part of the build from the start, not bolted on before a regulator asks. Where lending or credit is involved, decisions are traceable and defensible rather than hidden.

Reliability for systems that hold money

Reliability for systems that hold money

When a financial platform goes down, customers cannot access their money, which is a serious failure of trust. We design for high uptime, secure failover and recovery from the architecture stage, and load-test against real conditions, because in fintech, reliability is not a nice-to-have; it is part of the regulatory and reputational baseline.

Technologies we use for fintech software

We choose technology to fit the security, accuracy and reliability that finance demands, never the other way round, and we explain every choice in plain language. For the apps we build, native iOS and Android or use Flutter and React Native where one codebase fits, with React and Next.js for web platforms and dashboards. On the backend, we work with Node.js, Python or Java, chosen for the workload, with PostgreSQL and other databases holding financial data under encryption, and message-driven pipelines where real-time processing is needed.

For security and compliance, we build in encryption in transit and at rest, strong and multi-factor authentication, granular access control and full audit logging, on European cloud infrastructure through AWS or Google Cloud, configured for EU data residency. For crypto work, we use established libraries for key management and on-device storage, with multi-network support. Where intelligence helps, such as fraud detection or risk scoring, we use machine learning with traceable, defensible logic. We keep everything defined as code, so a regulated environment is documented, reproducible and auditable. The point is not the logos in the stack; it is that each piece is chosen to keep money and data safe, and the platform dependable.

Mobile Apps

iOSAndroidFlutterReact Native

Web & Dashboards

ReactNext.jsTypeScript

Backend

Node.jsPythonJava

Financial Data

PostgreSQLMessage QueueEncryption

Security & Compliance

MFAAccess ControlAudit LoggingPCI / GDPR

Crypto & Cloud

Key ManagementMulti-networkAWSGoogle Cloud

Turn your idea into a production-ready fintech platform

Share your requirements, and we respond with architecture, timeline and cost, straight from the engineering team. A senior engineer reviews your brief and replies within 24 hours with a custom proposal in plain language. No sales pitch, no obligation.

Schedule a free call
9+
Years delivering production software
250+
Clients across industries & geographies
100+
Products live in production at scale
99.9%
Uptime across deployed systems

Why fintech companies choose us over a generic app agency

Fintech platforms built by general agencies tend to treat security and compliance as the last task before launch, which is exactly how a breach or a regulatory problem happens. The difference between a fintech software partner and a generic agency comes down to whether security and regulation were in the foundations. Three things set us apart.

Built to handle real money and real scrutiny

Built to handle real money and real scrutiny

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Built to handle real money and real scrutiny

Our fintech work is built for production and inspection, not just demos. We have delivered platforms that process real transactions and handle financial data in ways that stand up to the questions auditors and regulators actually ask, because we design for that scrutiny from the start rather than scrambling to meet it at the end.

One team across the whole platform

One team across the whole platform

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One team across the whole platform

We build the app, the transaction engine, the backend, the integrations and any AI as one integrated product, by one team. You are not left stitching together pieces from separate vendors and hoping the seams hold up where money and sensitive data cross between them, because there are no seams to leak.

EU compliance as the baseline, not an add-on

EU compliance as the baseline, not an add-on

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EU compliance as the baseline, not an add-on

Our European base means GDPR, EU data residency and the European regulatory environment are the default for everything we build, not an afterthought bolted on for an overseas team. For Dutch and EU fintech clients, that means money and data handled correctly by people who understand the regulatory reality you operate in.

Why fintech clients trust us

We have been building software since 2016, and fintech is part of a much larger body of production work rather than a one-off experiment, from payment platforms to the InReserve crypto wallet. That track record is why financial companies trust us with systems that handle money and sensitive data, where there is no room for a careless mistake and a breach is existential.

Across all our work, we have delivered more than 100 products that run in production, built by a senior team of 25 or more engineers, for over 250 clients across more than 40 countries. We keep 98 percent of our clients past the first year, and the systems we ship hold an uptime of 99.9 percent. Those numbers matter in fintech, especially, because a platform here is judged on whether it protects money and data and keeps working when customers need to reach their funds.

0+products running in production — built, launched and maintained, not prototyped.
0+clients served
0+countries delivered to
0%platform uptime
0%of clients stay past year one
0+senior engineers — a team that supports and scales what it builds.

Frequently Asked Questions

Straight answers to the questions fintech companies ask most, and the ones people most often type into Google.

It depends on scope and compliance demands, but as a guide, a focused fintech app in the Netherlands typically starts around EUR 25,000 to EUR 50,000, while a full platform with transactions, security and regulatory requirements runs considerably higher. Security and compliance work is part of the cost, not an extra, and we give a fixed estimate after a short discovery call.
Yes, that is the baseline, not an add-on. We design encryption, strong authentication, access control and full audit logging into the architecture from the first commit, with PCI-aware payment handling and GDPR-compliant data flows on EU infrastructure. We build to pass the scrutiny that a financial audit applies, and design for the specific rules that apply to your product.
Yes. We build payment platforms, gateways and transfer systems that process transactions accurately, reconcile cleanly and stay secure under load, with fraud monitoring and audit-ready logging built in. Payment data is handled with PCI-aware practice, and the compliance controls are part of the architecture from the start.
Yes, and from the first commit rather than the last week. We build KYC and AML checks, fraud monitoring and jurisdiction-aware controls into the platform as standard where they apply, with traceable decision logic. Building these in late is how fintech projects fail an audit, so we design them up front.
Yes. We build digital banking platforms and wallets where accounts, payments, cards and balances work seamlessly, protected by strong authentication and security designed in from the first commit. The aim is an experience that feels effortless to the customer while the security underneath is anything but loose.
Yes. We build multi-network crypto wallets, exchange features and blockchain applications, with secure on-device key storage, encryption and support across major token standards. We pair the technical work with a clear-eyed view of the evolving regulatory landscape rather than ignoring it.
By designing for it. We build transaction processing that is accurate under load, reconciles exactly, and leaves a complete, auditable trail, because in finance, a transaction that is almost right is wrong. Reconciliation and audit logging are core parts of the architecture, not afterthoughts.
Yes. We integrate with payment gateways, banking APIs, card issuers, market data providers and other financial systems, so your platform connects cleanly to the rails it needs. We map these integrations carefully up front, because they are where fintech projects most often hit surprises.
A focused fintech app can ship in three to four months, while a full platform with transactions, security and regulatory requirements takes longer. We work in two-week sprints with working software throughout, so even a compliance-heavy build shows visible progress rather than going quiet until launch.
Yes, without cutting the corners that matter. We build a focused first version that gets to market and stands up to scrutiny, with security and compliance designed in from the first sprint, so it can scale and pass an audit later rather than needing a costly rebuild before a funding round.
Yes, completely. You own the code, the IP and your data, on European infrastructure, with an NDA signed before work begins and no lock-in. The platform and the advantage it gives your fintech business are genuinely yours, which also matters for demonstrating control to regulators.
We stay. Fintech software needs careful maintenance as regulations, threats and integrations change. The same senior engineers who built it support and evolve it, so the platform stays secure, compliant and reliable rather than drifting out of date after handover.
Yes. Our European base is in Amstelveen, near Amsterdam, so Dutch and EU fintech companies get a local point of contact in the same time zone, platforms built to GDPR with financial data on European infrastructure, and invoicing in euros. EU financial compliance is our baseline.
We build for payments and transfers, lending and credit, digital banking and wallets, investing and trading and wealth, and crypto, blockchain and Web3. Each carries different regulations and risks, and we design around the specific compliance and security demands of yours rather than reusing a generic template.