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.
Specialist features sit behind clear interfaces, so your core product stays stable while new capability gets added.
Most people who reach this page are fintech startups and financial product teams. 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. The work for teams in London stays tied to the outcome you asked for.
- 02
Design
System design, AI/tool boundaries, interface direction, and interaction prototypes. You see progress on the critical path every week.
- 03
Build
Modern stack, clean architecture, evaluated AI behavior, and iterative demos you can react to. Nothing here waits on a handover between separate teams.
- 04
Launch
Ship, monitor, harden, and keep improving models, tools, and product after go-live. On fintech software development projects we favour practical architecture over trendy defaults.
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 London
Same timezone and a face to meet, which genuinely matters for some teams. You are also paying London market for SaaS, fintech, and AI product talent. 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
Case Management Hub
Full-stack engineer · NestJS · Next.js
HIPAA-compliant healthcare SaaS for 150+ US organizations, with dual databases, realtime collaboration, billing, and secure client portals.
Enterprise case management platform for healthcare and social-work organizations with encryption, realtime messaging, Stripe billing, Zoom, and calendar sync.
- · HIPAA-ready architecture with encryption and audit logging
- · Realtime collaboration via Socket.io + Redis
- · Client portal and role-based access control
- · Stripe billing and document workflows
Next.js · NestJS · TypeScript · MongoDB · Redis · Socket.io
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
Working with teams in London
London market for SaaS, fintech, and AI product talent. We work with clients in London remotely and keep overlapping hours in GMT/BST. We usually collaborate in English.
How we work with London teams
London is on GMT/BST, which gives us an overlapping working day rather than a handful of shared hours. Standups, reviews, and demos all fit in normal business hours for both sides.
What London clients usually need
London work is heavily SaaS and fintech: dashboards over real financial data, onboarding and KYC flows, and increasingly LLM features layered onto products that already have paying users.
Contracts, data, and compliance
Procurement in London tends to ask for a DPA, evidence of where data sits, and a security questionnaire before signing. We handle those upfront, and we keep personal data in UK or EU regions by default.
