Fintech SaaS is regulated, audited, and judged in seconds. Build to those standards from day one.
We build SaaS platforms for fintech startups — payment tools, lending infrastructure, financial operations software, and the compliance-aligned architecture that enterprise buyers and regulators require. Fixed scope, fixed price.
Your fintech SaaS demo closes well. Then the compliance questionnaire comes in. SOC 2, PCI scope, audit logs, role-based access, encryption attestation. Your current stack passes none of them without a sprint of retrofitting.
Fintech SaaS has a harder version of the standard SaaS compliance problem. Not only do you need multi-tenant data isolation, role-based access, and SSO — you also need audit trails that satisfy financial regulators, transaction logging that holds up under a forensic review, PCI scope that's defensible to your acquiring bank, and an encryption posture that your enterprise customers' CISOs can sign off on.
Most fintech SaaS founders build the product first and bolt the compliance on later. That's understandable. It's also expensive — the retrofitting of a double-entry audit log onto a system that wasn't designed for it is a major refactor. Retroactively scoping PCI after you've already built the payment flow means re-architecting the parts that touch card data. Every day of delay costs deals.
The commercial pressure is immediate. Your first enterprise client — a bank, a credit union, an insurance company, a large employer — will send a vendor security questionnaire with 150 questions. The answers to most of them depend on architectural decisions you made in the first three months of building. If you made the wrong ones, the questionnaire is a blocker.
The right time to build for compliance is at the start. The second-right time is now.
A fintech SaaS platform built on the controls enterprise buyers expect — audit trails, role isolation, encryption, and the documentation stack that makes compliance questionnaires a one-week exercise, not a six-month project.
Multi-tenant architecture with financial data isolation
Per-tenant encryption keys, row-level security policies, and data access patterns that ensure one tenant can never touch another's financial records.
Immutable audit trails
Every operation on financial data — create, update, delete, approve — logged to an append-only event store with actor, timestamp, and before/after state. Queryable for regulators and exportable for auditors.
Role-based access with financial workflow approvals
Maker/checker controls for fund movements, approval chains for high-value operations, and per-user scope limits.
PCI-scoped payment handling
Stripe Elements or Basis Theory vault for tokenisation keeps raw PANs out of your infrastructure. SAQ A or SAQ A-EP scope maintained by design.
SOC 2-ready infrastructure
AWS with proper network segmentation, encrypted backups with tested restore, secret management via Vault or AWS Secrets Manager, and logging/alerting configured from day one. Built on Next.js, Postgres (with row-level security), Convex for real-time operations where needed, WorkOS for enterprise SSO and SCIM, and Stripe for payments.
One honest number to start.
Fixed-scope, fixed-price. The number below is the starting point — final scope is built from your brief.
A fintech SaaS platform built on the controls enterprise buyers expect — audit trails, role isolation, encryption, and the documentation stack that makes compliance questionnaires a one-week exercise, not a six-month project.
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 risk, product risk, and market timing simultaneously. A time-and-materials build adds financial risk to an already complex equation. Fixed scope, fixed price, with the compliance architecture written into the spec before we start — so the security questionnaire answers are built in, not bolted on.
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Read moreQuestions, answered.
We build an event-sourced ledger: every financial event is an immutable record in an append-only table, and balances are always derived from the event log rather than stored as mutable state. This is the accounting-correct approach and the auditor-correct approach.
The engineering controls: access logging, environment separation, encrypted backups, incident response logging, and change management. The audit itself — the evidence collection and third-party review — is handled by Vanta, Drata, or Secureframe running alongside the platform. We work with whichever you use.
Yes. Stripe Treasury, Plaid, Modern Treasury, Increase, or direct NACHA-formatted ACH depending on your model. Banking-as-a-service partners (Unit, Column, Synctera) integrate via their APIs. We scope the right rails for your use case.
A production fintech SaaS with multi-tenant isolation, audit trail, role model, PCI-scoped payments, and SSO typically runs $50k–$120k. Greenfield with ledger infrastructure scope is higher. Fixed-price.
You do. Full source, full repo, full infrastructure access from day one. No SaaS license fee to access your own code.
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.