Money apps live and die on security and compliance. We build fintech platforms with robust payments, KYC and a testable security posture.
Trusted by OYO, GEMS Education, Indiabulls and 1,500+ businesses
Payment, wallet and financial products sized to your model.
Balance, top-up, transfer and transaction history.
Cards, bank transfer, P2P and merchant payments.
Encryption, tokenization, fraud and 2FA by design.
Identity verification and onboarding flows.
Loan origination, scoring and repayment where relevant.
Ledger, reconciliation and financial reporting.
Every vertical platform we build ships as a complete ecosystem - not a single screen.
Manage money and pay.
Accept payments and settle.
A proven 5-step process that de-risks your project and gets you to market fast.
We map your market, users and the exact workflows your product must support, and lock the technical architecture before we write code.
UI/UX and interaction design for every role in the system, prototyped and testable before development.
Agile sprints with weekly builds. The consumer app, partner/provider backend and admin run in parallel so you see working software every week.
QA across devices, browsers and edge cases. Performance, security and usability are verified before every release.
Deployment, monitoring, analytics and a post-launch maintenance plan so the product keeps improving after go-live.
The model you pick drives the architecture. We build all three, and advise on which fits your market.
Consumer wallets with top-up and transfers.
Best for: Broad fintech entry
Process payments for merchants.
Best for: Recurring transaction volume
Originate loans with scoring and repayment.
Best for: Interest and fee revenue
Revenue models that work in your vertical, built in from day one.
A cut or flat fee per transaction.
Interchange or excess settlement on payments.
Interest on credit products (if licensed).
Honest, transparent pricing by scope. Every project is scoped before we quote.
| Scope | What You Get | Typical Range | Timeline |
|---|---|---|---|
| MSP (Minimum Sellable Product) | A focused wallet or payment-flow tool to validate a niche. | $5,000 fixed | 3-5 weeks |
| Wallet / Payments MVP | Wallet, top-up, transfers and payments | $40,000 - $120,000 | 3-5 months |
| Full Fintech Platform | KYC, cards, merchant or lending with compliance | $120,000 - $400,000 | 6-12 months |
| Enterprise / Regulated Bank | Banking, ledger and multi-product compliance | $400,000 - $1,000,000+ | 9-18 months |
Battle-tested technologies we use across every vertical platform.
We have built platforms like yours at scale.
Since 2005 we have shipped 500+ digital platforms across every major vertical. We have built products like yours before.
Offices in the US, UK, India and Finland. Design, development and strategy under one roof with timezone overlap.
Customer app, partner/app provider and admin dashboard built as one connected platform, not three disconnected pieces.
Weekly sprint cycles with live reporting, shared boards and no surprises. You see real progress every week.
Development rates that suit startups and enterprises. Fixed-price and time-and-materials options.
Security-first, scalable architecture. SOC 2 aligned processes, NDA and IP protection as standard.
OYO, GEMS Education, Indiabulls and 1,500+ businesses. Real outcomes, real client reviews.
Trusted by 1,500+ businesses worldwide
From funded startups to enterprise platforms - our work powers businesses worldwide.
Share your requirements and our team will reach out with a tailored plan, pricing, and a live walkthrough of how the right platform can fit your business.
Placeholder - real client reviews injected at deploy.NCryptedClient
A wallet or payment MVP is roughly $40,000-$120,000; a full platform with KYC, compliance and lending runs $120,000-$400,000+.
We build security, tokenization, fraud and KYC/AML patterns as standard; proper onboarding and audit are guided and supported.
Yes. Ledgers, reconciliation and settlement are engineered with custody in mind.
A payment MVP in 3-5 months; a full wallet and lending platform in 6-12 months.
We build encryption, tokenization, fraud and KYC/AML patterns as standard; onboarding and audit are guided.
Yes. Ledger, reconciliation and settlement are engineered with custody in mind.
We build the compliance architecture; licensing guidance is handled with your legal counsel.
A payment MVP in 3-5 months; a full wallet and lending platform in 6-12 months.
Transaction fees, settlement margin and lending interest are the standard models we build for.
We help fintech startups, banks, payments firms and lenders launch compliant financial platforms.
Encryption, tokenization, fraud and audit built in.
KYC, AML and PCI-aligned patterns supported and documented.
500+ apps delivered across regulated and payment platforms.
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