Fintech-specific engineering, not a generalist bet
Applications $3,499-$4,500/mo or Fractional CTO $4,500-$8,500/mo. Senior engineer with GigEasy (Barclays/Bain) and bolttech ($1B+ unicorn) fintech experience.
Who this is for
Fintech founder at any stage, from pre-seed through Series B.
The pain today
- Generic vendors do not understand payment flows, KYC, or compliance.
- One bug in fintech code costs customer trust and regulatory exposure.
- Most freelancer profiles have never touched Stripe Connect or ACH rails.
- Fintech licensing and bank partnerships add constraints generalists cannot read.
The outcome you get
- A senior engineer with real fintech shipping credits.
- US LLC, NDA standard, IRS/IR35-safe invoicing.
- Work Made for Hire on payment, KYC, and financial logic.
- Monthly retainer, cancel anytime.
Fintech engineering specifics
Fintech engineering carries constraints that do not show up in generalist work. Payment rails (ACH, wire, card, real-time) each have their own failure modes. KYC workflows require document capture and verification with compliance implications. Reconciliation across providers is a daily discipline. Audit logs are non-negotiable. Idempotency on every money-moving endpoint. I have shipped all of these at GigEasy (fintech MVP in 3 weeks, Barclays/Bain-backed) and bolttech (40+ payment providers across 15+ markets, 99.9% uptime, 0 post-launch critical bugs). The pattern translates across fintech verticals.
Payments: 40+ providers at bolttech scale
The bolttech Payment Service integrated 40+ payment providers across Asia and Europe. The architectural pattern: a unified orchestration layer that abstracts provider-specific quirks, retry logic per provider, reconciliation jobs per provider, observability on every flow. The same pattern scales down to fintech startups with 2-5 providers. The difference is scope, not substance. I apply the same rigor to a 2-provider Stripe plus Plaid integration as I did to 40-provider bolttech.
The two fintech case studies
Two fintech case studies from my work. GigEasy: investor-ready MVP in 3 weeks, Barclays/Bain/Zean Capital Partners-backed. Fintech for earned-wage access and similar flows. bolttech: $1B+ unicorn, 40+ payment providers, 99.9% platform uptime, 0 post-launch critical bugs, 15+ new international markets. These are the shipping credits that back the fintech-specific positioning. I can provide detailed case study pages and reference introductions when the fit matches.
Compliance posture
Fintech startups need engineering partners who respect compliance from day one. I work under your compliance program: PCI DSS for card data, SOC 2 for operational controls, KYC vendor integration respecting the vendor's terms, and data retention policies per jurisdiction. US LLC, NDA standard, IRS/IR35-safe invoicing clean up the tax and regulatory profile on the vendor side. The compliance posture is the reason bolttech brought me in for the Payment Service work.
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.
Frequently asked questions
The questions prospects ask before they book.
- Have you worked with Stripe Connect or Treasury?
- Yes. Stripe Connect (Standard, Express, Custom), Stripe Treasury, Plaid, Dwolla, and many proprietary providers at bolttech scale.
- Can you work under our SOC 2 program?
- Yes. I follow your compliance controls, access reviews, and audit logging requirements.
- What about KYC and AML?
- I integrate with your KYC vendor (Alloy, Persona, Onfido, Jumio, Trulioo) and build the UX around the vendor's verification flow. I do not replace your KYC provider.
- Can you help with bank partnership due diligence?
- I can review technical sections of the partnership MSA and help design integration architecture. I am not a legal or compliance expert.
- Do you work with crypto rails?
- I work with on-ramps and off-ramps (Moonpay, Banxa). I do not write smart contracts or run validator nodes.
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