In fintech, the app is the product. Build it to the standard that trust requires.
We build custom mobile apps for fintech startups — banking apps, investment tools, expense management, and the compliance-aligned financial UX that converts and retains users who have real money on the line. Fixed scope, fixed price.
Your fintech web product works. Mobile conversion is below 30% because the financial operations your users need — transfers, approvals, spending review — are friction-heavy on a responsive web interface. A native app built for those flows changes your daily active user metrics.
Fintech apps are judged to a different standard than other mobile software. If a project management app is slow, users are mildly annoyed. If a fintech app is slow at the moment a user is trying to send $5,000 to a vendor, they panic. If the balance doesn't refresh after a transaction, the user calls support. If the transaction confirmation screen isn't instant, users tap again and fear a duplicate send. The tolerance for uncertainty in a financial context is almost zero.
This means fintech mobile apps have to be built with real-time data infrastructure, optimistic UI updates, idempotency on all financial operations, and exhaustive error handling that gives users clear feedback at every failure point — not a generic "something went wrong" screen. The cost of a bad UX moment is not a user complaint; it's a support ticket, a negative review, and potentially a lost user.
On the security side, fintech apps are the highest-value target for mobile attacks. Jailbreak/root detection, certificate pinning, biometric re-auth for financial actions (not just login), and no sensitive data in local storage or screenshot caches are baseline requirements. These aren't optional features — they're what separates a fintech app from a general-purpose mobile app that happens to touch money.
A native iOS and Android fintech app with real-time balance and transaction data, secure financial action flows, biometric auth, and the performance and reliability standard that users expect when real money is involved.
Real-time balance and transaction feed
Account balances updated in real time with Convex or WebSocket subscription. Transaction list with search, category filters, and merchant details. No pull-to-refresh to get current data — it arrives automatically.
Financial action flows with confirmation and idempotency
Send, receive, pay, invest — each action with a confirmation screen, a processing state, and an idempotent request ID so double-taps don't double-execute.
Biometric auth and financial re-auth
Face ID / fingerprint for app login. Separate biometric challenge for initiating any financial action over a configurable threshold — not just at login.
Plaid or open banking integration
Account linking via Plaid Link or open banking APIs (TrueLayer, MX, Finicity) for balance aggregation, transaction history, and ACH initiation.
Push notifications for financial events
Transaction alerts, balance thresholds, payment received, bill due — with user-level controls for notification type and threshold. Financial push notifications are the highest-opened category in mobile. Built with Expo and React Native, Convex for real-time data, Stripe or Plaid for payment flows, and a security hardening layer (jailbreak detection, certificate pinning, secure storage) applied by default.
One honest number to start.
Fixed-scope, fixed-price. The number below is the starting point — final scope is built from your brief.
A native iOS and Android fintech app with real-time balance and transaction data, secure financial action flows, biometric auth, and the performance and reliability standard that users expect when real money is involved.
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 founders are managing regulatory timelines, banking partner relationships, and funding milestones simultaneously. The app build needs to be a defined input with a known cost and ship date. Fixed scope, fixed price, delivered within 14 to 18 weeks — so you can plan your app store launch against your regulatory approval timeline.
Related engagements.
Your API is your product. Build it like money moves through it — because it does.
Read more02Fintech SaaS is regulated, audited, and judged in seconds. Build to those standards from day one.
Read more03Fintech products live or die on trust. Your web application has to earn it in the first 5 seconds.
Read moreQuestions, answered.
Beyond standard HTTPS, we apply: Expo SecureStore for all sensitive local data (never AsyncStorage for financial data), biometric re-auth for financial actions, no screenshots on sensitive screens (Android FLAG_SECURE), jailbreak/root detection, and certificate pinning for all financial API calls.
Yes — dispute flows are built as guided structured reports with the transaction detail, issue type, and supporting evidence upload. Submitted directly to your payments processor (Stripe, Checkout.com, or Marqeta) dispute management API.
Apple and Google have specific review requirements for apps that handle financial data — specific permission declarations, privacy disclosures, and sometimes regulatory documentation for banking or investment apps. We prepare the App Store submission materials and have experience navigating the review process for financial apps.
A real-time transaction app with Plaid integration, secure financial flows, biometric auth, and push notifications typically runs $65k–$130k. Trading or investment features with market data feeds and order flows add scope. Fixed-price.
14 to 18 weeks from kick-off to App Store launch.
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.