Subscription-based custom fintech web app development. Investor-ready MVPs in 3 to 6 weeks (GigEasy shipped in 3) plus production-grade payment and bank-API work. From $4,999/mo.
- Scope
- Ship
- Iterate
monthly subscription
Who this is for
Fintech founder — pre-Series A, often a non-technical CEO with a fundraising target, a compliance-aware product, and no senior engineer on the team yet.
The pain today
- Need an investor-ready MVP in weeks, not the typical 10-week agency cycle
- Security and compliance cannot be bolted on after the fact
- Payment and banking API integrations keep breaking or taking months
- No senior fintech engineer on the team and hiring takes 90 days minimum
- Last contractor shipped code nobody on the team can maintain
The outcome you get
- Senior fintech engineer inside a week at $4,999/mo
- Investor-ready MVP in 3 to 6 weeks — GigEasy shipped in 3
- Compliance baseline (PCI, KYC, SOC 2 readiness) from day one, not retrofit
- Production-grade payment and bank-API integrations that hold under load
- Clean, documented code you own 100% from the first commit
Why fintech founders come to me
Three patterns. They closed a seed round with a 90-day ship commitment and are behind schedule. They are two weeks from a pitch and need a working demo with real financial data flowing through it. Or they have a live product and need integration work — payments, banking APIs, compliance instrumentation — that their existing team cannot deliver.
In any of those situations, I can start custom fintech web app development and be shipping within a week. At $4,999 a month, that compares well against a full-time senior fintech engineer at $200k+ loaded with a 90-day hiring cycle. Faster to start. Lower burn during the pre-product-market-fit phase. Cancel after the first month if it is not working.
Senior fintech engineer inside a week at $4,999/mo
The tech stack I use and why
Laravel or NestJS on the backend, React on the frontend, PostgreSQL or MongoDB for data, Redis for caching and queues, AWS for infrastructure. That is the stack I have shipped production fintech on at GigEasy (Laravel, React, PostgreSQL, AWS) and at bolttech (NestJS, React, MongoDB, TypeScript). I know the failure modes.
For most fintech MVPs, Laravel plus React is the fastest path to a working product: rapid scaffolding, mature payment libraries, a queue system for webhook processing, and a community that has solved most financial-data problems already. NestJS fits better when the architecture is event-driven from the start or the team is TypeScript-only. I choose based on your constraints, not personal preference.
40+: Payment providers integrated.
Security and compliance baseline
Every fintech engagement starts from the same baseline. TLS 1.3 everywhere. Database-level encryption for sensitive fields. Secrets in a real vault — AWS Secrets Manager, 1Password Vault, or Doppler, never in environment files committed to git. Audit logs on every sensitive action. PII segregated in the schema. SOC 2 readiness checklist (access controls, change management, incident response procedures) applied from the first sprint.
At bolttech — a $1B+ unicorn backed by Tokio Marine and MetLife — I led the Payment Service with 99.9% uptime and zero post-launch critical bugs across 15+ international markets. That record did not happen by luck. It happened because the baseline was non-negotiable from day one.
Compliance-first architecture is not slower. Retrofitting compliance into code that was not designed for it is slower, and more expensive.
Payment and bank-API integrations I have done before
At bolttech I integrated 40+ payment providers across Asia and Europe: Stripe, Braintree, Adyen, Paytm, PayU, Checkout.com, and regional providers per market. At GigEasy I wired US banking integrations for gig-worker financial services, including onboarding flows with real account and routing number verification.
The pattern is the same across all of them. Abstract the provider behind a common interface. Handle webhook delivery with idempotency and retry logic. Reconcile transactions on a schedule. Instrument the full payment lifecycle so you can answer 'where did this transaction go?' in under a minute. Plaid, Stripe, Adyen, MX, Finicity — if you are using one, I have shipped with it in production. Niche regional providers I can learn fast; the architecture does not change.
KYC, AML, and ongoing compliance
KYC and AML are not the same problem. KYC is a point-in-time gate at onboarding: identity verification, document collection, sanctions screening. AML is continuous: transaction monitoring, velocity checks, threshold alerting.
For KYC I have integrated Persona, Onfido, and Jumio. The architecture is standard: the KYC provider handles document verification and returns a status; your app stores the status and metadata, never the raw documents. At GigEasy the full onboarding flow — email, KYC, account creation — shipped inside the 3-week MVP.
For AML monitoring, the approach depends on your regulatory exposure. US money-services businesses need SAR filing capability. EU fintechs under AMLD5 need transaction risk scoring. I help you identify what applies to your product and implement the minimum viable control set that satisfies regulators without adding weeks of scope.
Pricing and how the engagement works
Standard tier at $4,999/mo covers 2 to 4-day delivery cycles. Pro tier at $5,499/mo adds faster cycles and priority response. Both come with a 14-day money-back guarantee on the first month, 100% code ownership under Work Made for Hire, and NDA as standard.
For MVP engagements — GigEasy-pattern, 3 to 6 weeks, hard deadline — Pro tier is usually the right call because cadence matters more than total hours. For steady-state feature work or integration projects with flexible timelines, Standard is enough. I help you figure out which one in the first call, which is free.
When a solo subscription engineer is not the right fit
A subscription engineer works well when there is clear scope and roughly 30 to 50 hours a week of senior engineering need. If you need 100+ hours a week across multiple product surfaces, heavy DevOps, and data science — a full team is the right answer.
I help with that too. I can run engineering through the first 3 to 12 months after an initial build, interview and hire the permanent team, set up the codebase and processes so a new team ramps fast. Many fintechs keep me on afterward as the Fractional CTO once the engineering team is hired, usually at $5,499/mo for the advisory tier.
Recent proof
A comparable engagement, delivered and documented.
Unified payment orchestration across Asia and Europe
Delivered the payment orchestration platform at bolttech, a $1B+ unicorn, with 40+ integrations across multiple regions.
Read the case studyFrequently asked questions
The questions prospects ask before they book.
Three to six weeks for a focused MVP with one primary user flow. GigEasy went from kickoff to investor demo in 3 weeks — that is against a typical 10-week agency cycle. The difference is scope discipline: I scope to what investors need to see, not what a full product eventually needs. Faster to ship, faster to learn, faster to raise.
Yes. The standard pattern: use a tokenized provider such as Stripe Elements, Adyen Drop-in, or Braintree Hosted Fields. Your server only ever sees tokens, never raw card numbers. That keeps you in SAQ A — the lightest PCI compliance level. At bolttech I shipped 40+ payment provider integrations and no system I built ever ran in PCI scope, because tokenization was baked into the architecture from the start.
PCI DSS 4.0 tightened several requirements that matter for web applications: stricter script integrity controls for payment pages (you need to manage and authorize every script tag on checkout pages), stronger MFA requirements, and more prescriptive logging and monitoring. If you have a checkout page served by your own domain, even with hosted fields, the script inventory requirement applies. I audit these during scoping.
I build code that passes SOC 2 — access controls, audit logs, change management, and incident response baked in from the first sprint. Running the actual audit requires a compliance platform (Vanta, Drata) plus a qualified auditor. I help configure those platforms and produce the engineering evidence auditors need. Budget 3 to 6 months for a Type II audit, starting from when the controls are live in production.
Yes. Every payment and banking integration I build treats sandbox and production as a configuration switch, not a code change. Dev uses sandbox credentials, staging uses sandbox or a test-only live account, production uses live. Webhook testing, idempotency, and error handling are all validated in sandbox before any real money moves. This pattern applied cleanly across bolttech's 40+ providers — it works for any fintech stack.
Every sensitive action writes an immutable audit record: actor, action, entity ID, timestamp, and IP. Those records go to a separate append-only store — not the same tables application code can modify. Depending on your stack, that is Postgres with append-only tables, AWS CloudTrail, or a dedicated service like WorkOS Audit Logs. For regulated fintechs, this satisfies SOC 2 logging controls and is often a direct regulator requirement. It is always in the baseline fintech engagement.
Standard at $4,999/mo fits steady-state integration work and feature development where a 2 to 4-day delivery cycle is acceptable. Pro at $5,499/mo fits MVP engagements with hard investor or launch deadlines, where you need faster turnaround and priority response. Both include full code ownership, 14-day money-back guarantee, and NDA. For a 3-to-6-week MVP sprint, Pro is almost always the right choice.