A fintech product is three products: the one users see, the ledger that must never be wrong, and the controls a regulator will ask about. Next Olive has shipped wallets, lending platforms, trading apps and payment systems for banks, NBFCs, brokers and startups in the US, UK, Gulf, Southeast Asia and India — with the ledger and the controls designed before the first screen.
We work alongside your compliance advisers to translate regulatory expectations into technical design: KYC/AML vendor integration, audit trails, data residency, encryption and reporting.
Who we build for
Banks & NBFCs
Mobile banking, lending origination, collections, agent and branch apps, core-banking integrations.
Payments & wallets
Consumer wallets, merchant acquiring, P2P transfers, BNPL, remittance with multi-currency ledgers.
Trading & wealth
Stock, crypto and forex trading apps, order management, portfolio and robo-advisory tools.
Insurers & insurtech
Quote-and-bind, claims, policy servicing and agent apps.
Fintech startups
MVPs with sandbox integrations that convert to production once licences are in place.
What we build
Digital wallets and payment apps
Card issuing, top-ups, P2P, bill pay and rewards on a double-entry ledger with reconciliation.
Lending platforms
Application, e-KYC, scoring, underwriting workflow, disbursement and collections for consumer and SME loans.
Trading and investment apps
Real-time market data, order routing, portfolio analytics and compliance reporting.
Crypto exchange and wallet development
Matching engines, hot/cold wallets, KYC tiers and on/off-ramps.
Neo-banking front ends
Onboarding, accounts, cards and support on top of banking-as-a-service or core-banking APIs.
Fraud and risk with AI
Transaction monitoring, anomaly detection and document intelligence for KYC.
Open Banking integrations
Account aggregation, payment initiation and CDR/PSD2 flows.
Back-office and reporting
Operations consoles, reconciliation, regulatory reports and audit views.
Fintech & Banking Software Development work we have shipped
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Capabilities
- Ledger engineering
- Immutable double-entry ledgers, idempotent transactions and reconciliation jobs — the part of fintech that cannot be refactored later.
- Security
- PCI DSS scope reduction via tokenised gateways, HSM/KMS-backed keys, device binding, step-up authentication and fraud rules.
- Integrations
- KYC/AML providers, payment gateways, card processors, core banking, credit bureaus, Open Banking APIs and market-data feeds.
- AI
- Credit scoring, transaction monitoring, document extraction and support agents grounded in product terms.
Compliance and standards
Technical readiness for the regimes you operate under — we build the controls and documentation; your advisers own licensing.
- PCI DSS (tokenisation, scope reduction)
- PSD2 / Open Banking (UK, EU), CDR (Australia)
- FCA Consumer Duty design principles
- RBI, MAS TRM, CBUAE and QCB technology guidelines
- KYC/AML workflows and audit trails
- GDPR / CCPA / PDPA data handling
Why teams choose Next Olive
- Ledger-first architecture reviewed by senior engineers who have shipped regulated products.
- Sandbox-to-production paths so startups can build before licences arrive.
- Security and audit controls designed in, with documentation ready for due diligence.
- Proven modules for onboarding, KYC and payments shorten delivery to 12–20 weeks for an MVP.
Founded 2011 · 2000+ products delivered · 100+ engineers · 25+ countries
Related services
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Guides and articles
- Software Application: Features, Types & Uses in 2026
- How Do Web and Mobile Apps Help Businesses Grow
- Car Insurance App Success: Scaling Retention in 2026
- Car Insurance App 2026: Retention Secrets That Scal
- 2026 Crypto Banking Software Development: Expert Solutions
- How to Implement a Data Warehouse in 2026: Expert Guide
Frequently asked questions
How much does fintech app development cost?
A wallet or lending MVP typically costs $40,000–90,000; a full neo-banking or trading platform $120,000–300,000+. Ledger, KYC and security work is a larger share of the budget than in other apps — we itemise it in the quote.
Do you handle licensing or regulatory approval?
No — we build the technology and documentation to the regulator's technical expectations and work with your legal/compliance advisers who handle licensing.
Which payment gateways and KYC vendors do you integrate?
Stripe, Adyen, Razorpay, PayTabs, Telr, Checkout.com and regional gateways; Onfido, Sumsub, Jumio, Signzy and others for KYC — chosen for your markets.
Can you build a crypto exchange?
Yes — matching engine, wallets, KYC tiers, fiat on/off-ramps and admin — with security reviews at each milestone.
How do you keep the ledger correct?
Double-entry design, idempotent APIs, nightly reconciliation against gateways and banks, and immutable audit logs. We test with adversarial scenarios (double submits, partial failures) before launch.
How long does a fintech MVP take?
12–20 weeks for a wallet or lending MVP including KYC and payments; trading platforms 5–8 months.
Is the code PCI compliant?
We design so card data never touches your servers (tokenised gateways), which keeps your PCI scope minimal; where you must be in scope we build to the applicable requirements.
Can you work with our existing core banking system?
Yes — we integrate with core-banking and BaaS APIs (Finacle, Temenos, Mambu, Thought Machine and others) and build the customer-facing layer on top.
Ready to start? Book a free consultation — you will talk to an engineer who has shipped in your industry.
