Fintech platform development: applications, KYC, payments and accounts
A fintech service must accept an application, verify the customer, assess risk, process a payment and show it all in an account. We build such platforms from €45,000 after an architecture session, with code and accounts registered to you.
Platforms and SaaSTimeline: after the architecture session
What a fintech platform looks like
A fintech product connects money, data and rules: you need to onboard a person quickly, verify them, make a decision and stay within regulatory requirements. Doing this by hand or across a set of disconnected services slows down application handling, and customers leave. A platform brings it into one system: applications, customer verification, accounts, payments and risk scoring, with a clear admin panel for your team.
- What KYC means in plain words. KYC (know your customer) is customer verification: who they are, where they are from and whether you can work with them. For financial services it is usually required by law and by partner banks.
- Types of fintech platforms. Online lending, payment services, wallets, neobanks, investment platforms, crypto services. The set of features and requirements depends on the type of product and the country.
Approximate display: images and texts are chosen as an example. In your project the features, design and architecture will be different, built for your goals.
Fintech platform — from €45 000
A platform for a financial service: applications, customer checks, accounts, payments and risk scoring. Development follows the architecture session, where scope and estimate are defined.
duck.credit is a fintech and online lending project with scoring, customer verification, an account and a CRM. A financial planning portal (prototype) has calculators, a quiz funnel, a club and an academy. Trendo is a platform with an internal currency and billing. These projects show how applications, customer assessment, payments and accounts fit together. See also: CRM built around your processes, subscription SaaS service.
- What can be used as a base. Applications, accounts, roles and a CRM are already built in the online lending project. We will show what fits your service.
We show prices upfront and do not hide the estimate behind "quote on request". Design is made without templates. The code is in your repository, and the domain and service accounts are registered to you. Infrastructure costs €0 at the start, and login, roles, accounts and email modules come from finished projects. We do not promise licence approval or regulator decisions: those stay with your lawyer and partners. See also: turnkey platform.
- Custom development or a white-label solution. A ready-made solution is faster at the start but limits rules and design. A custom platform pays off when you need your own processes and control over data.
Suits: teams launching online lending or a similar financial service · Companies that need a client account with applications and payments · Founders who want to automate application scoring
What a fintech platform from €45,000 includes
One price for the whole list: no extra charges for hours or individual items.
A fintech platform starts from €45,000 and is developed after an architecture session for €3,500, which is credited to the project. It includes applications, customer verification, personal accounts, payments, risk scoring, roles and access rights, an admin panel and emails. The scope depends on your product and country. See also: architecture session, scoring and mathematical models.
- Scoring and risk assessment. The platform calculates a score by rules you define. We discuss rules and models at the session, and decisions on loans and limits are always yours.
- Customer account and team account. The customer sees application status, contracts and payments. The team sees the application queue, the score and the history of actions.
- Architecture sessionWe start with the product map and estimate: application steps, rules, integrations with payment services. The €3 500 for the session is credited toward the project price.
- Step-by-step client applicationAn online form with data saving and validation. A person can stop and continue later, and you lose fewer applications.
- Platform foundation and emailsLogin, roles, data protection and emails to clients from your domain: confirmations, payment reminders.
- Customer verification (KYC)Identity confirmation through a connected service. The choice of service depends on the country, and the result comes within minutes.
- Risk assessment and scoringCalculating the probability of repayment based on rules and models we agree with you. Staff see the reasons behind each score.
- Client accountApplications, contracts, payment schedule and transaction history. Clients see for themselves how much and when to pay.
- PaymentsReceiving and sending payouts through payment services that suit your jurisdiction. Statuses update automatically.
- Application queue for staffManagers see applications, statuses and tasks. Nothing gets lost, and urgent items are highlighted.
- Admin panel and activity logStaff roles, reports and a record of all changes: who changed what and when. Useful for internal control and audits.
- Launch and handoverWe connect the domain, test the whole application path with sample data, and hand over access and instructions.
Approximate display: images and texts are chosen as an example. In your project the features, design and architecture will be different, built for your goals.
What to add to a fintech platform
Optional, now or later. The price is fixed before work starts.
We adapt the platform to the market: language, currency, payment providers, legal pages and customer verification rules. Terms and the privacy policy are made as templates, with final review by your lawyer. We work with clients from Europe, the US, the UK, the UAE and Kazakhstan. See also: landing page for a fintech product.
- Website and landing page design for fintech. If you only need a website or landing page for a fintech product, start with a business website or a landing page. A platform is needed once accounts and payments appear.
iOS and Android appClient account in the app: applications, payments and notifications. Publishing to the app stores is included.+ from €9 900Details
We build one app for both platforms, connect it to your system, prepare the description and screenshots and submit it to the stores. The Apple Developer ($99 a year) and Google Play ($25 one time) accounts are registered in your name and paid directly. The total depends on the number of screens; we give the quote after the brief.
Timeline: from 6 weeks
Integration with your systemsAccounting, bank, telephony or external data exchange with the platform automatically. The application queue is included.+ from €690Details
We connect one external system at a time: what is sent and when, a check on test data, failure alerts. Each integration is priced separately; we give the exact price after reviewing your system.
Timeline: 1–2 weeks
Analytics and reportsApplication funnel, approvals and payments by month, so you can see at which step you lose clients.from €590Details
We build a dashboard with key metrics and show you how to read it. Useful when the owner or investors need the numbers regularly, not on request.
Timeline: 1 week
SupportWe monitor operation, make backups, install updates and make improvements according to an agreed plan.individualDetails
After launch we look at what the system needs: what to monitor, how often to update, which improvements are planned. We name the monthly price in advance. There is no hourly billing.
Timeline: after launch
Paid separately, not by us: Paid customer verification (KYC) services at their rates · Domain, about €10–15 per year · Payment provider fees · Licenses, registration and regulator permits: the client's and their lawyers' responsibility · Legal documents and contracts: prepared by your lawyers. All add-ons →
Turnkey promotion: where your customers will come from
A platform does not attract users by itself: channels bring them in.
A platform earns when people sign up and pay. Turnkey promotion: search and articles, emails for new users, ads and partners. The report shows the path from visit to payment for each channel.
Most often we start with search and an email sequence: they keep working after the ads are switched off.
Turnkey promotion: stages and prices
Every month you get a report: how many requests came in and what each one cost. You pay the ad budget directly to the platforms.
So customers keep coming every month, not just on launch day
We will choose 1–3 channels for your business and budget, launch them, and show you every month what a request costs.
How we develop a fintech platform
The steps switch automatically, or click any of them to read more.
We start with an architecture session: we describe the customer journey, verification rules, payment services and the country's requirements. Then we do the design, the platform core, and the modules for applications, verification and payments. We launch the first version with a limited group of customers and expand. We name the timing in the plan after the session.
- What we need from you. A description of the product and rules, information on licences and partners, sample documents. If regulatory requirements are not yet in hand, your lawyer clarifies them.
1. Brief
A short 15-minute questionnaire: what the business is, who it is for, what you need and by when. By voice, text or a call.
- We ask only what affects the result and the price
- Materials (logo, photos, texts) can be sent later
- We reply the same business day: what we offer, what it costs and how long it takes
2. Quote and contract
We fix the scope, price, deadline and payment schedule. The amount does not grow without your written consent.
- A contract between our company and yours, or with you personally
- Inside: the scope item by item (as on this page), deadlines, payment stages, warranty fixes
- The code, domain and service accounts are yours: it is written in the contract
- We sign online: a PDF with an e-signature, no paper and no couriers
3. Payment
We invoice your company. Pay by bank transfer or by card.
- No hidden fees: you pay for the domain and service subscriptions directly to them, with no markup from us
- Every payment is tied to a stage: you pay for what you can already see
- Closing documents: invoice and acceptance certificate
4. Trabajo con vista previa
At every stage you get a preview link: you see what is ready and leave your edits right away.
- First the product map and structure, then design, then the build
- We collect edits in one place, so nothing gets lost in the correspondence
- Questions for you come as a list with answer options: reply when it suits you
5. Review and approval
Before launch we check everything ourselves, then you approve the work against the list from the contract.
- Phones and computers, loading speed, forms and emails, payments in test mode
- Legal pages and the cookie banner are in place
- You go through the scope list and sign the acceptance certificate
6. Launch and handover
We publish on your domain and hand everything over to you: access, instructions, source files.
- Domain, email on the domain, analytics and Search Console
- Access to all accounts goes to you, we stay on by invitation
- A short guide: how to edit texts, photos and prices yourself
- After that, if you wish: support, promotion, new modules
FAQ
How much does fintech platform development cost?
A fintech platform starts from €45,000. The final amount depends on the type of product, customer verification, payments and integrations. We begin with an architecture session for €3,500, which is credited to the project.
How do I create a fintech app and where do I start?
Start with one customer scenario, for example application, verification, decision, payment. We describe it at the architecture session, choose the first version and estimate the cost.
What features does a fintech app need?
Login, customer verification, an account, payments, transaction history, notifications and an admin panel for the team. Lending adds risk scoring; investment adds a portfolio and reports.
What is KYC and how is it built into the platform?
KYC is customer verification. In the platform it is a step of the application: the customer uploads data, the system checks it by your rules and passes it to a staff member for a decision. The set of checks depends on the country.
Can you guarantee licence approval or compliance?
No, and nobody can guarantee a regulator's decision. We build the platform so that it can be configured to the requirements, and your lawyer checks them.
Do you build payment systems and crypto exchanges?
We develop platforms with payments, wallets and accounts. Complex services such as an exchange or a neobank are estimated separately after the architecture session.
Who owns the fintech platform code?
You do. The code is in your repository, and the database and service accounts are registered to you.
Can I get just a website or landing page for a fintech?
Yes. If you do not need accounts and payments yet, make a landing page or a business website and add the platform later.
Goes well with this service
What people usually order together with this: click to open the service page with an example.
Platforms and SaaSArchitecture sessionA product map, an estimate and a plan for the first version. The amount is credited to the project.€3 5002–3 weeks
Platforms and SaaSTurnkey platformLogin, accounts, roles, admin panel, emails. A foundation for any direction.from €17 900from 6 weeks
Mobile appsiOS + Android appOne app for both platforms, published in the stores.from €10 9006–8 weeks (Apple and Google review is not included in the timeline)
Software development and automationProcess automationOne chain with no manual steps: request, document, notification.€1 4901 week
Chatbots and AI assistantsTelegram botMenu, requests (including bookings), mailings.€8905–7 days
SEO promotionSEO auditTechnical errors, structure, competitors, a work plan.€4905–7 days
Marketing and social mediaGoogle and social media adsOne channel of your choice: Google Ads or Meta (Instagram, Facebook). The second channel is separate.from €490/molaunch in 5–7 days, work from 2 months
Corporate websites and portalsCorporate websiteUp to 20 pages: services, case studies, news, team, 2 languages.€3 4902–3 weeks