Short answer
Infikey Technologies builds fintech software: loan management systems, digital wallets, payment gateway integrations, KYC and AML onboarding, and investing apps. We design for RBI, CBUAE, FCA and US rules, PCI DSS and audit trails from day one. A compliant fintech MVP typically costs USD 25,000–60,000.
Updated · Written by the Infikey Technologies delivery team
What fintech software we build
Most fintech products are a combination of a few building blocks: onboarding, a ledger, money movement, risk checks and reporting. We build each block properly and connect it to the licensed partners you work with.
- Loan management software: origination, credit decisioning, disbursal, EMI schedules, collections and co-lending.
- Digital wallet apps: stored value, P2P transfers, QR and UPI payments, rewards and card issuing through partners.
- Payment gateway integration: Stripe, Razorpay, Cashfree, PayU, Checkout.com, Network International, Adyen and bank APIs, with reconciliation.
- KYC and AML onboarding: document and liveness checks, Video KYC, sanctions and PEP screening, risk scoring and case management.
- Investment and trading apps: mutual funds, stocks, SIPs, portfolio tracking and robo-advice on top of broker and RTA APIs.
- Back-office tools: admin consoles, maker-checker approvals, reconciliation, regulatory reports and customer support dashboards.
Compliance by market: what your software must handle
Your licence (or your partner’s) decides what you are allowed to do. Your software decides whether you can prove it to an auditor. These are the rules we most often design for.
| Market | Regulators and rules | What it means for the build |
|---|---|---|
| India | RBI Digital Lending Directions, Payment Aggregator rules, KYC Master Direction, payment data localisation, DPDP Act 2023 | Disbursal straight to borrower accounts, Key Fact Statements, Video KYC (V-CIP), card tokenisation, payment data stored in India |
| UAE | CBUAE Retail Payment Services and Stored Value Facilities regulations, DFSA (DIFC), FSRA (ADGM), PDPL | Licensed-partner flows, UAE Pass and Emirates ID onboarding, data residency planning, sandbox-ready audit logs |
| UK | FCA authorisation (EMI, API, consumer credit), PSRs 2017, Strong Customer Authentication, Consumer Duty, UK GDPR | SCA on payments, Open Banking (AIS/PIS) integration, clear customer outcomes and complaint journeys |
| US | State money transmitter licensing, FinCEN and BSA/AML, GLBA, Reg E, CFPB oversight | Sponsor-bank (BaaS) integrations, dispute handling, AML monitoring, SOC 2-ready controls |
| All markets | PCI DSS v4.0.1, ISO 27001 / SOC 2 expectations from partners | Never store raw card data, encrypt sensitive fields, immutable audit trails, role-based access |
We are a software company, not a law firm or a licence holder. We work with your compliance officer or legal counsel and turn their requirements into product rules, tests and audit evidence.
How much does fintech software development cost?
Fintech costs more than a typical app because of security, ledger accuracy, partner integrations and audit requirements. These are planning ranges for teams working with Infikey, not quotes.
| Product shape | Typical scope | Budget (USD) | Budget (INR) |
|---|---|---|---|
| Fintech MVP on partner rails | One core journey, KYC via a provider, one payment or lending partner, admin panel | 25,000–60,000 | 20–50 lakh |
| Lending or wallet platform | Web and mobile apps, ledger, rules engine, multiple partners, reporting | 60,000–150,000 | 50 lakh–1.25 crore |
| Feature for an existing product | e.g. UPI or card payments, Video KYC, credit-score integration | 8,000–35,000 | 6–28 lakh |
What pushes the cost up
- Number of partner integrations (each bank, bureau or KYC provider adds testing and certification time).
- Building your own ledger instead of relying on the partner’s.
- Regulatory reporting and audit evidence requirements.
- Penetration testing, PCI scope and security reviews before launch.
Use the custom software cost calculator or the app development cost calculator for a quick estimate.
Get a fintech build estimate
Describe your product, market and partners. We reply with fit, a ballpark range and the first steps.
Security and architecture we use for fintech
- Double-entry ledger so every rupee, dirham, pound or dollar is traceable, with idempotent transaction APIs that cannot double-charge.
- Encryption of personal and financial fields at rest (AES-256, cloud KMS) and TLS 1.2+ in transit.
- Tokenisation of cards and bank details through your payment partner, keeping your PCI DSS scope small.
- Maker-checker approvals, role-based access and immutable audit logs for every admin action.
- Fraud and risk hooks: velocity limits, device fingerprinting, rules engines and manual review queues.
- Cloud setup on AWS, Azure or Google Cloud with region choices that respect data-residency rules, plus monitoring, backups and disaster recovery.
- Testing: automated tests on money flows, partner sandbox certification and third-party penetration testing before launch.
Typical stack: Laravel or Node.js (NestJS) for APIs, PostgreSQL, Redis, React or Next.js for web, Flutter or React Native for mobile.
How we deliver a fintech product
- Discovery: map the money flow, licences and partners, compliance requirements and the first release. You get a scope, architecture and fixed estimate for the MVP.
- Design: onboarding and payment journeys tested with real users, because drop-off in KYC is where most fintech products lose customers.
- Build in two-week sprints: working software every sprint, with partner sandbox integrations early so surprises surface early.
- Certification and security: partner certification, penetration test, audit-log review and go-live checklist.
- Launch and run: monitoring, on-call support and a roadmap for the next releases through our managed engineering team.
Why fintech teams choose Infikey
- Compliance designed in, not bolted on: audit trails, consent records and data-residency choices are part of the first architecture.
- Four markets, one team: we build for India, the UAE, the UK and the US, so you can launch in one and expand without a rewrite.
- Senior engineers on money flows: ledger, reconciliation and payment code is written and reviewed by senior developers.
- Clear commercials: fixed-price MVPs after discovery, or a dedicated team for longer roadmaps.