Fintech products built for trust and scale
Deep skills without product context tend to produce fragile integrations. The specialist work has to connect to real user flows.
We document the prompts, tools, schemas, and day-to-day runbooks so your team can run the system after we hand it over.
We work best with fintech startups and financial product teams who want a partner that ships. Secure fintech software development covering dashboards, payments, compliance-minded architecture, and AI-assisted workflows.
What you get
- Payment and billing systems
- Secure auth and audit trails
- Admin and customer portals
- API-first product platforms
- Documented handover and runbooks
- Help getting it deployed
How engagement works
Projects are shaped around fintech startups and financial product teams, so scope stays realistic, the first release comes quickly, and there is room to improve without a rewrite.
- 01
Discover
Goals, constraints, data sources, and success metrics, all settled before we touch architecture or prompts. You see progress on the critical path every week.
- 02
Design
System design, AI/tool boundaries, interface direction, and interaction prototypes. Nothing here waits on a handover between separate teams.
- 03
Build
Modern stack, clean architecture, evaluated AI behavior, and iterative demos you can react to. On fintech software development projects we favour practical architecture over trendy defaults.
- 04
Launch
Ship, monitor, harden, and keep improving models, tools, and product after go-live. The work for teams in San Francisco stays tied to the outcome you asked for.
How we build it, and why
The stack is chosen per project, not applied from a template. For fintech software development work these are the defaults, and the reason each one is on the list.
- Next.js
- server rendering and static generation in one framework, so marketing pages stay fast and app routes stay dynamic
- NestJS
- structure and dependency injection on the backend, which keeps a growing API from turning into a pile of route handlers
- PostgreSQL
- relational integrity for data you cannot afford to get wrong
- Stripe
- payments, subscriptions, and the tax and invoicing edge cases you do not want to build
- AWS
- the services you grow into, once a managed platform stops being enough
What the first weeks look like
- Week 1
Spike the risky part
We build the thinnest possible version of payment and billing systems against your real data. If it is going to be a problem, it is better to know in week one than week six.
- Weeks 2-3
Harden the integration
Auth, rate limits, error paths, and the data contract. This is the work that separates a demo from something you can leave running.
- Weeks 4-6
Wire it into the product
The fintech software development stops being a standalone service and becomes a feature people use, with the interface and permissions that implies.
- Ongoing
Evaluate and tune
Behaviour gets measured against cases you care about, and we tune from that rather than from impressions.
Weighing up your options
There are three realistic ways to get this built. Each is the right answer for someone.
A solo freelancer
Cheapest per hour and fine for a contained task. The risk on fintech software development is breadth — one person covering design, backend, infrastructure, and launch usually means one of them is weak, and there is no cover when they are unavailable.
A local agency in San Francisco
Same timezone and a face to meet, which genuinely matters for some teams. You are also paying SF Bay Area expecting modern stacks and AI fluency. rates for the whole team including the layers that never touch your fintech software development, and a local shortlist is a small shortlist.
Arcode
A small senior team. The people who scope the fintech software development write the code, you get weekly demos instead of status decks, and the engagement ends when the thing is live and handed over.
Work we have shipped
Circlin Waitlist
Lead frontend · Next.js 15
Multilingual waitlist and referral product for a secondhand fashion brand, covering localization, analytics, and growth loops.
Waitlist experience with EN/DE localization, referral tiers, MDX blog, and analytics for Circlin.
- · EN/DE internationalization
- · Referral reward tiers
- · MDX blog and SEO content
- · Analytics and cookie consent
Next.js 15 · TypeScript · Tailwind · MDX · React 19
VIP Hires
Full-stack · Payments · UX
Recruitment platform with Stripe payments, workflow management, and polished motion-driven UI.
Hiring product covering job posting payments, candidate workflows, forms, and analytics.
- · Stripe payment flows
- · Recruitment workflow stages
- · Validated multi-step forms
- · Analytics charts and notifications
Next.js · Redux Toolkit · Stripe · Framer Motion · Zod
Prism Goals
Frontend · Strapi CMS
Accountability platform with dashboards, weekly check-ins, admin tooling, and progress analytics.
Goal tracking product with Typeform check-ins, admin panel, and Strapi-backed content.
- · Goals and values dashboard
- · Weekly check-in integrations
- · Admin user management
- · Progress analytics
Next.js · TypeScript · Material UI · Strapi · Axios
Working with teams in San Francisco
SF Bay Area expecting modern stacks and AI fluency. We work with clients in San Francisco remotely and keep overlapping hours in PST/PDT. We usually collaborate in English.
How we work with San Francisco teams
San Francisco is on PT, which is the widest gap we work across. We hold one fixed call in your morning and run everything else in writing, so the time difference costs you a day at most on decisions.
What San Francisco clients usually need
Bay Area briefs are the most AI-heavy we see: agents with real tool access, RAG over internal knowledge, MCP servers connecting models to existing systems, and evaluation harnesses to prove any of it works.
Contracts, data, and compliance
Teams here expect modern defaults, so we work in TypeScript, ship through CI, and keep infrastructure reproducible. Expect direct technical conversation with whoever is writing the code.
