Build a fintech app — financial products built with compliance from day one.
Fintech is the most regulated software category. Payments, lending, investment, and banking-adjacent products each have specific compliance requirements. RCB Software builds fintech apps with the right regulatory architecture from day one.
Fintech founder who needs a financial application built with proper compliance architecture — not retrofitted later when regulators ask questions
Fintech apps without proper compliance architecture get shut down. The pattern: founders build fast, regulators notice, founders scramble to retrofit compliance, costly delays or shutdowns follow.
Fintech compliance by category:
Payments: PCI-DSS compliance for card data. Use Stripe to avoid card data handling — Stripe is the PCI-DSS compliant layer. Never store card numbers.
Money transmission: Moving money between parties may require a Money Transmitter License in each state. Alternatives: partner with a licensed MTL holder (Stripe Treasury, Synapse) or structure the product to not require money transmission.
Lending: Lending requires state lending licenses or partnerships with licensed lenders (bank partnerships). Consumer lending has additional CFPB regulations.
Investment: Securities regulations apply to investment products. SEC, FINRA, and state regulations depending on product type.
What architecture looks like with compliance: PII encrypted at rest. Financial transactions with immutable audit logs. AML/KYC for user onboarding. OFAC screening. Role-based access to financial data. SOC2 readiness built in.
Fintech application deployed — with proper compliance architecture, audit trails, data security, and regulatory-ready documentation
Identity verification
KYC with Persona or Stripe Identity
Payment infrastructure
Stripe for card and ACH with no card data storage
Audit trail
immutable transaction and action logs
AML screening
watchlist screening via Persona or Unit21
Financial reporting
reconciliation and statement generation
Security architecture
PII encryption, access controls, MFA
One honest number to start.
Fixed-scope, fixed-price. The number below is the starting point — final scope is built from your brief.
Fintech application deployed — with proper compliance architecture, audit trails, data security, and regulatory-ready documentation
Three steps, every time.
The same repeatable engagement on every project. No surprises, no mystery, no billable ambiguity.
Brief & discovery.
We send you questions, then get on a call. Output: a written scope with every step, feature, and integration listed.
Build & ship.
Fixed schedule, weekly reviews. No scope creep unless you change the scope — and if you do, we reprice it transparently.
Warranty & retainer.
30-day warranty on every launch. Most clients stay on a monthly retainer for ongoing features and maintenance.
Why Fixed-Price Matters Here
Fintech applications have defined compliance and transaction patterns. Fixed-price from the spec.
Related engagements.
Questions, answered.
No. RCB Software builds the technical implementation. Regulatory compliance (licensing, legal structure, banking partnerships) requires specialized fintech legal counsel. We can refer to trusted advisors.
Stripe + a no-code flow for card payments. Stripe handles PCI compliance, fraud detection, and payment method storage. No card data ever touches your server.
Tell Ryel about your project.
Describe what you’re building and what outcome you need. You’ll have a written, fixed-price scope within the week.