A senior fintech engineer who has shipped for a $1B+ unicorn
Custom fintech web app development on subscription. Investor-ready MVP speed (GigEasy in 3 weeks) plus production-grade integration work (bolttech, 40+ payment providers). $3,499/mo.
Who this is for
Fintech founder (pre-Series A), often a non-technical CEO with a fundraising target and a compliance-aware product.
The pain today
- Need investor-ready MVP in weeks, not months
- Security and compliance posture cannot be an afterthought
- Integration with bank or payment APIs is complex and error-prone
- No senior engineer on the team yet and hiring takes 90 days
- Existing contractor shipped unmaintainable code
The outcome you get
- Senior fintech engineer inside a week at $3,499/mo
- Investor-ready MVP in 3 to 6 weeks (GigEasy pattern)
- Security and compliance baseline from day one
- Production-grade payment and bank-API integration work
- Clear documentation and handoff-ready code
Why fintech founders come to me
Three signals usually. They raised a seed round with a plan to ship in 90 days and are behind schedule. They are preparing for a pitch and need a working product demo. They have a live product and need integration work (payments, banking, compliance) that their current team cannot deliver. In each case, I can be shipping within a week at $3,499 a month. Compared to hiring a full-time fintech engineer ($200k+ loaded, 90-day hiring cycle), the subscription is faster, cheaper, and lower-risk during the pre-product-market-fit phase.
Security and compliance baseline
Every fintech engagement starts with the same baseline. Encrypted data in transit and at rest (TLS 1.3, database-level encryption). Secrets management via a real vault (AWS Secrets Manager, 1Password Vault, Doppler). Audit logs on every sensitive action. PII segregation in the database schema. SOC 2 readiness checklist (access controls, change management, incident response procedures). I do not ship fintech code that skips these. At bolttech, a $1B+ unicorn, I led the Payment Service with 99.9 percent uptime and zero post-launch critical bugs — the baseline is what made that possible.
Bank and payment API integrations I have done before
At bolttech I integrated 40+ payment providers across Asia and Europe (Stripe, Braintree, Adyen, Paytm, PayU, Checkout.com, local providers per region). At GigEasy I wired up US banking integrations for gig-worker financial services. At both, the pattern is the same — abstract providers behind a common interface, handle webhook reliability, reconcile transactions with idempotency, instrument everything. Plaid, Stripe, Adyen, MX, Finicity, Yodlee — if you are using one, I have probably shipped with it. If it is a niche regional provider, I can learn it fast.
Pricing and engagement model
Standard tier $3,499/mo. Pro tier $4,500/mo. Both cover 2 to 4-day delivery cycles. Pro adds faster cycles and priority response. 14-day money-back guarantee on the first month. Cancel anytime after. 100 percent code ownership under Work Made for Hire. NDA standard. US LLC invoicing — IRS/IR35 safe. For MVP engagements (GigEasy-style 3-to-6-week ship), Pro tier is usually the right call because cadence matters. For steady-state feature work, Standard tier is enough. I help you decide in the first call.
Case: GigEasy and bolttech
GigEasy: delivered an investor-ready MVP from scratch in 3 weeks against a typical ten-week cycle, Barclays and Bain Capital-backed. Stack: Laravel, React, AWS, PostgreSQL, Redis, Docker, Pulumi. bolttech: led the Payment Service integrating 40+ payment providers across Asia and Europe, 99.9 percent uptime, zero post-launch critical bugs, supporting 15+ new international markets. $1B+ unicorn backed by Tokio Marine and MetLife. Stack: NestJS, React, MongoDB, Redis, TypeScript. Both programs share the same discipline — prepare thoroughly, ship small, instrument everything, handle edge cases before they ship.
When you need a full fintech engineering team instead
A subscription engineer works for fintechs with clear scope and 30 to 50 hours a week of senior engineering need. If you need 100+ hours a week — multiple product surfaces, heavy DevOps, deep data science — a full team is better. I help hire the team. I can run engineering through the first 3 to 12 months, interview candidates, set up the codebase and processes so a new team ramps fast. Many fintechs keep me involved as an advisor (usually the Fractional CTO service) after the team is hired.
Recent proof
A comparable engagement, delivered and documented.
Built and shipped an investor-ready MVP from scratch
Built the entire technological base and delivered MVP in just 3 weeks, enabling a successful rapid launch and investor demo.
Frequently asked questions
The questions prospects ask before they book.
- Can you help with PCI scope?
- Yes. The standard pattern: keep cardholder data out of your servers using tokenised providers (Stripe Elements, Adyen Drop-in, Braintree Hosted Fields). Your application only sees tokens, never raw PAN. That keeps you in SAQ A scope — the lightest PCI compliance level. At bolttech I shipped integrations against 40+ providers and never ran a PCI-scoped system because tokenisation was baked into the architecture. If you genuinely need to handle cardholder data directly, that is Applications-plus-Fractional-CTO scope with a specialist PCI auditor involved.
- What about SOC 2?
- I ship code that can pass SOC 2 — access controls, audit logs, change management, incident response baked in from day one. Running the actual SOC 2 audit is a separate effort involving Vanta, Drata, or a similar compliance platform plus a qualified auditor. I help configure those platforms and produce the engineering evidence auditors need. Most of my fintech clients run Vanta alongside the development work. Budget 3 to 6 months lead time for a Type II audit.
- Do you build KYC flows?
- Yes. I have built KYC intake for fintechs using Persona, Onfido, Jumio, and in-house flows. Typical architecture: KYC provider handles identity verification; your app stores verification status and metadata, not the raw documents. User onboarding flows (email → KYC → account creation) are a common first MVP surface. At GigEasy we shipped the full onboarding flow inside the 3-week MVP. The work is pattern-recognisable; not exotic.
- Can you handle sandbox vs live for bank APIs?
- Yes. Every payment and bank integration has a sandbox environment for development plus production credentials that activate later. I set up environment separation from day one — dev uses sandbox, staging uses sandbox or a test-only live account, production uses live. Webhook testing, idempotency, and error handling all work in sandbox. Switching to live is a configuration change, not a code change. This pattern applied across bolttech's 40+ providers; it works for any fintech stack.
- How do you handle audit trails?
- Every sensitive action logs an immutable audit entry with actor, action, entity, timestamp, and IP. Logs go to a separate store from application data so they cannot be tampered with by application code. For fintechs in regulated markets, this is a SOC 2 and often a regulator-required control. I build it with tools like Postgres + append-only tables, AWS CloudTrail, or dedicated audit-log services (Axoflow, WorkOS Audit Logs) depending on your stack. Always included in the baseline fintech engagement.
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