# Investment and trading app development > An investment app lets users research, buy and track stocks, mutual funds, ETFs or other assets. Infikey builds trading and wealth apps on top of broker, exchange-platform and fund APIs, with KYC, real-time market data, order management and portfolio reports. A focused MVP typically costs USD 35,000–80,000. Stock trading, mutual fund and wealth management apps with real-time prices, fast order flows, SIP automation, portfolio analytics and the audit trail your regulator expects. - **MVP budget:** USD 35k–80k (INR 30–65 lakh) - **Products:** Stocks, mutual funds, ETFs, SIPs, bonds - **Rules:** SEBI, FCA, SEC/FINRA, SCA/DFSA ## Types of investment apps | App type | Who it suits | Core features | |---|---|---| | Mutual fund and SIP app | Distributors, advisers, wealth startups | Fund discovery, SIP and lumpsum orders, mandates, goal planning, capital-gains reports | | Stock trading app | Brokers and broker partners | Watchlists, live charts, order types, margin and positions, P&L | | Wealth management platform | RIAs, family offices, private banks | Multi-asset portfolios, rebalancing, client reports, adviser dashboards | | Robo-advisory | Advisers and fintechs | Risk profiling questionnaire, model portfolios, automatic rebalancing | | Portfolio tracker | Fintechs and banks | Import holdings, net worth, performance and tax views | ## Regulation by market | Market | Who you need to be (or partner with) | Typical integrations | |---|---|---| | India | SEBI-registered broker, AMFI-registered mutual fund distributor, or SEBI-registered investment adviser | BSE StAR MF or NSE NMF II for fund orders, CAMS and KFintech RTAs, KRAs, Account Aggregator, broker APIs | | UAE | SCA-licensed (onshore), DFSA (DIFC) or FSRA (ADGM) firm | Broker and custodian APIs, UAE Pass onboarding | | UK | FCA-authorised investment firm or appointed representative | Platform and custodian APIs, ISA and SIPP wrappers, Open Banking funding | | US | SEC/FINRA broker-dealer or RIA, or brokerage-as-a-service provider | Brokerage APIs (for example Alpaca or DriveWealth), Plaid for funding | Investment apps also need suitability or risk-profiling records, clear disclosures, and secure storage of orders and communications. SEBI’s cyber security framework applies to many Indian regulated entities, so security reviews are part of our delivery. ## Features that make investors stay - **Fast onboarding**: eKYC, bank verification and nominee details in one flow. - **Real-time data**: streaming prices over WebSockets, charts with indicators, market depth for traders. - **Simple ordering**: one-tap SIPs, order confirmation screens that show charges before the user commits. - **Portfolio clarity**: XIRR returns, asset allocation, goal tracking and downloadable statements. - **Alerts**: price alerts, SIP reminders, corporate actions and order status notifications. - **Education**: in-app explainers and fund comparisons, written to avoid misleading claims. ## Cost | Scope | Budget (USD) | Budget (INR) | |---|---|---| | Portfolio tracker or mutual fund MVP | 25,000–50,000 | 20–40 lakh | | Trading or multi-asset investing app MVP | 35,000–80,000 | 30–65 lakh | | Full wealth platform with adviser console and robo-advice | 80,000–160,000 | 65 lakh–1.3 crore | Market data licences and broker or exchange-platform fees are separate. See the [app development cost calculator](https://infikeytechnologies.com/tools/app-development-cost-calculator) for a quick estimate. ## Engineering for market hours Trading apps get most of their traffic in short bursts at market open and on volatile days. We design for that: - Autoscaling cloud infrastructure with load tests at several times expected peak. - Separate services for market data, orders and portfolio calculations, so a spike in one does not slow the others. - Idempotent order submission and clear handling of partial fills and rejections. - Caching and push updates instead of constant polling. - Monitoring with alerts on order latency and broker API errors. ## Project blueprint: Mutual fund and stock investing app for a registered distributor Based on the requirements we hear most often from buyers like this. A registered investment distributor serves clients through relationship managers and paper forms. It wants a mobile app where clients can invest in mutual funds and track portfolios, and where advisers see each client’s holdings in one place. What we would build: - Investor app with KYC, risk profiling, SIP and lump-sum investing through exchange and RTA platforms - Consolidated portfolio view with XIRR, capital gains and statements - Adviser dashboard with client holdings, SIP alerts and rebalancing suggestions - Secure architecture with encryption, device binding and audit logs How success is measured: - Share of transactions done digitally instead of on paper - Active SIPs and SIP book growth - Clients served per relationship manager - App rating and support tickets per thousand users ## Frequently asked questions ### Can a startup launch a trading app without a broker licence? Usually by partnering with a licensed broker or a brokerage-as-a-service provider, which executes and holds client assets while your app provides the experience. The partner model, revenue share and responsibilities need to be confirmed with legal counsel. ### How do mutual fund apps place orders in India? Most distributor and adviser apps place orders through BSE StAR MF or NSE NMF II, use RTA data from CAMS and KFintech for holdings, and register SIP mandates through eNACH or UPI Autopay. ### Can you build a robo-advisory app? Yes. We build the risk-profiling questionnaire, model portfolios, rebalancing logic and adviser approval tools. The investment methodology and advice responsibility stay with the registered adviser. ### Which technology do you use for trading apps? Typically Flutter or React Native for mobile, React for web, Node.js or Go services for market data, Laravel or NestJS for accounts and orders, PostgreSQL and Redis, all running on AWS or Azure with autoscaling. ## Related guides - [Fintech software development company](https://infikeytechnologies.com/industries/fintech): Infikey Technologies builds fintech software: loan management systems, digital wallets, payment gateway integrations, KYC and AML onboarding... - [Flutter vs React Native: which should you choose?](https://infikeytechnologies.com/compare/flutter-vs-react-native): Choose Flutter when you want pixel-consistent custom UI, smooth animations and one team owning iOS, Android and possibly desktop. 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Last updated: 2026-10-19 Get an estimate: https://infikeytechnologies.com/contact Cost figures are planning ranges, not quotes. Final scope and price are confirmed after discovery.