Fintech app development
Fintech App Development Company for the USA, UK and Canada
Wapp Ltd designs and builds secure fintech products: payment and wallet apps, lending and credit-building platforms, savings and investment apps. We deliver the iOS and Android apps, the backend, the customer portal and the admin tools your operations team needs, with security and compliance handled from the first design review to every release.
Payments / Lending and credit / Neobanks / Trading and crypto / Back office
What we build
Fintech products we build
From a first MVP to a regulated platform with a full back office.
Payments and digital wallets
Card issuing integrations, P2P transfers, payouts, QR and contactless flows, Apple Pay and Google Pay.
Lending and credit building
Loan origination, repayment schedules, credit bureau and rent reporting, prepaid credit-builder cards.
Neobank and banking apps
Account opening, KYC, balances and statements, card management and real-time notifications.
Trading, crypto and investment
Market data, order flows, portfolio tracking, wallet integrations and price alerts.
Savings and personal finance
Goals, round-ups, budgeting and open banking account aggregation.
Back office and portals
Admin panels, CRMs, customer support tools and self-service customer web portals.
Security and compliance
Security and compliance built in
Fintech apps live or die on trust. We treat security as part of the product, not a checklist at the end.
- KYC and AML onboarding with document and biometric verification
- Encryption in transit and at rest
- Token-based sessions, biometric login and device binding
- Role-based access, audit trails and change logs for every staff action
- PCI DSS aware card data handling through tokenised providers
- Preparation for SOC 2 and ISO 27001 controls
- Security review before every release
- Tests and a second review on every flow that touches a balance
United States
- PCI DSS and SOC 2 readiness
- GLBA data safeguards
- State privacy laws such as CCPA
- Bank partner and card issuer integration patterns
United Kingdom
- FCA expectations for authorised firms and their technology partners
- Open Banking and PSD2 strong customer authentication
- UK GDPR and data residency
- Faster Payments and card scheme integrations
Canada
- PIPEDA privacy requirements
- FINTRAC reporting workflows for regulated clients
- Interac and Canadian payment rails
- Credit bureau reporting to Equifax and TransUnion Canada
We build to these requirements alongside your compliance team and advisers. We are engineers, not a law firm or a regulator.
Fintech case study
PlusCredit: a credit-building platform built from scratch
PlusCredit is a Canadian fintech that helps people build credit with a prepaid card. Our team took it from requirement documents to a live service: native iOS and Android apps, the backend API, a customer web portal, and an admin panel with CRM tools the operations team uses every day.
We set the architecture, led the developers, owned security end to end and ran releases. Every flow that touches a balance went through tests and a second review before shipping.
More fintech work
- Freeze Debt: FCA-regulated UK debt management app, multi-award winning, 100K+ downloads
- Alchemy Crypto: crypto portfolio and trading app
- Mod5r: savings and budgeting app for the Gulf market
- FIN MAN and more in our portfolio
How we work
A clear process from idea to launch
01
Discover
Goals, users, regulatory scope and a risk register, turned into a clear plan and roadmap.
02
Design
UX flows, clickable prototypes, architecture, data model and a threat model you review before we build.
03
Build
Agile sprints with demos, code review and automated tests, so you always know where things stand.
04
Launch and support
Store releases, monitoring, incident response and a roadmap once you are live.
Technology
The stack behind our fintech products
Mobile
- iOS: Swift and SwiftUI
- Android: Kotlin
- Biometric auth, secure enclave, push
Web and backend
- React, Angular, Next.js
- Node.js and Express
- PostgreSQL and MongoDB with audit logs
Integrations
- Stripe, Plaid and open banking providers
- KYC and AML vendors
- Credit bureaus and card issuers
- AWS hosting
Frequently asked questions
Most MVPs take 3 to 6 months depending on integrations and compliance scope. A simple wallet or budgeting app can be faster. A lending platform with bureau reporting and an admin back office takes longer. We give you a dated plan after discovery.
The number of platforms, the number of third-party integrations such as KYC, payments and credit bureaus, the regulatory scope, and whether you need a back office and customer portal. We scope these in discovery and quote fixed phases.
Yes. We work alongside your compliance team and build to PCI DSS, FCA, Open Banking, PIPEDA and FINTRAC requirements as they apply to your product.
Yes. On completion and settlement you receive full ownership of the source code and intellectual property.
Yes. We start with a code and security audit, then agree a stabilisation plan and a roadmap.
Yes. Our clients include a Canadian credit-building fintech and a UK debt management app, and we work in overlapping hours with North American and UK teams.
Planning a fintech product?
Tell us what you are building. We will come back with an honest assessment, a suggested approach and clear next steps.