How much does a fintech app cost?

$2,500 fixed, agreed before work starts, covering design, build, integration and 30 days of support. Provider fees and verification costs are yours directly and I will estimate them honestly first.

Usually yes if you touch customer money directly, and usually no if a licensed provider does it for you. Which one applies depends on your market and model — bring that to the call, because it changes the build more than any feature request.

How do you handle KYC?

Through an established verification provider rather than building it. It is integrated into onboarding so the checks feel like part of signing up rather than an interrogation halfway through.

Is it secure enough for money?

It is built to the practices that matter: server-enforced authorisation, 2FA, encrypted storage, audit logging, no secrets in client code, and explicit confirmation on every transfer. For anything at real scale, budget for an independent penetration test — I will tell you when you have reached that point.

Both are common. Consumer money products lean mobile because of notifications and biometrics; B2B fintech leans web. I will recommend one rather than sell you both.

You do, entirely. Source code and design files at handover, running on your own infrastructure and your own provider accounts.

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30 days · $2,500 · fixed

Ship It Live · fintech sprint

A fintech product people trust, live in 30 days.

Money products are judged in the first ten seconds. This is the month where yours stops looking like a side project.

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Quick answer

A fintech app can be designed, built and live in 30 days for a fixed $2,500, covering onboarding, account dashboards, transaction history, payments through a licensed provider, and the trust and security patterns users expect. Holding customer funds or issuing cards requires licensing that no sprint provides.

The plan

Day one to day 30, written down.

You get this schedule before you commit, not after. If a phase slips, that is mine to absorb — the price and the date were agreed before anything started.

Days 1–3

Scope and rails

Which licensed provider moves the money, what identity checks are required in your market, and what you are legally allowed to do yourself. This decides everything downstream.

Days 4–12

Design

Onboarding and the main dashboard first. Trust is designed, not decorated — every screen that touches money states what will happen before it happens.

Days 13–24

Build

Accounts, transactions, provider integration and the security layer. Every money-touching path gets error handling, because a silent failure here is not a bug, it is a support crisis.

Days 25–28

Test the failure paths

Declines, timeouts, partial failures, duplicates. In fintech the unhappy paths are the product, and this week is reserved for them.

Days 29–30

Launch

Live payments enabled, monitoring on, and a written handover of how each money flow behaves when it goes wrong.

What $2,500 gets you

Everything needed to launch — nothing padding the invoice.

Onboarding designed around identity checks instead of despite them

Account dashboard: balances, activity, upcoming, at a glance

Transaction history with search, filters, receipts and exports

Payments and payouts through Stripe or a regional licensed provider

KYC flow integrated with an established verification provider

Security patterns users look for — 2FA, device checks, clear confirmations

Notifications for every money movement, because silence reads as failure

Source code, design files and 30 days of support at handover

Who books this

Built for

Fintech founders who need a credible product in front of investors

Businesses layering payments or lending onto an existing service

Teams whose product works but looks too unfinished to be trusted with money

The honest part

When 30 days is the wrong answer.

A fixed deadline only works when the scope genuinely fits inside it. These are the cases where I will tell you so rather than take the booking.

Holding customer funds, issuing cards, or lending in your own name. Those require licences or a sponsor bank, and the timeline is regulatory rather than technical.

Building your own ledger and reconciliation engine. It is a serious system, it is not a 30-day feature, and getting it slightly wrong is worse than not having it.

Regulated advice — investment recommendations or credit guidance to consumers — which carries liability no disclaimer removes.

Questions

Before you book

The product layer, yes — onboarding, dashboards, transactions, payments through a licensed provider. The regulated layer cannot be compressed, because it is not a build problem. Most fintech products are exactly this: a well-designed interface on top of somebody else's licence.

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