// For fintech
Fintech app and MVP development
In fintech, trust is the product. Users forgive a missing feature; they never forgive a wrong balance or a leaked document. We build fintech products that feel premium, integrate with regulated partners the right way, and reach real users while your runway still matters.
What we solve for you.
You need to launch before the runway runs out.
A senior team ships an investor-ready fintech MVP in weeks — real onboarding, real payments, real users — not a clickable demo.
Payments, KYC and banking integrations are a minefield.
We integrate regulated providers for payments, identity checks and open banking properly — idempotent, audited and tested against their sandboxes before a penny moves.
Investors and partners will scrutinise your security.
Encryption, role-based access, audit trails and secure infrastructure are standard — so due diligence is a formality, not a fire drill.
Why teams like yours choose us.
- Payments via Stripe and regulated payment partners
- Identity, KYC and open banking via specialist providers
- Ledger-safe, idempotent money movement
- Audit trails and security built in for due diligence
- Premium UX that makes users trust the product
The packages that fit.
Quick answers.
Do we need FCA authorisation to launch a fintech app?
It depends on what you do with money. Many fintechs launch by partnering with already-authorised providers — payment institutions, e-money issuers or banking-as-a-service platforms — usually as their registered agent or appointed representative, rather than holding their own authorisation at first. Your app copy may also fall under the financial promotions rules. That's a legal decision for you and your advisers; we build the product around whichever route you take.
How much does a fintech MVP cost?
Fintech MVPs with Softgen start from £24,000, within our £24,000–£90,000 MVP range; payments, KYC and open-banking integrations are the main cost drivers. A Discovery Sprint (from £4,950) fixes the scope, price and date before the build.
Can you integrate open banking and card issuing?
Yes — through specialist regulated providers. We handle the integration, webhooks, reconciliation and failure handling so money movement is reliable and auditable.
Know before you build.
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Let's build the thing.
Tell us what you're building and we'll come back with a plan, a price and a date. No obligation, no jargon.