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Next.js 14Stripe ConnectPlaid LinkKYC/AMLPCI DSS

Your Fintech MVP Just Failed Its First Security Audit

If you're a fintech founder racing to launch before runway ends, compliance isn't optional -- it's the only gate between you and real transactions.

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90+
Lighthouse score
Mobile, production builds
6-12 weeks
Typical timeline
MVP to full platform
$40K-$200K
Project range
Scope and compliance tier
5,000+
Sites shipped
Since 2012
What Fintech Software Development Actually Fixes -- And What It Won't

Your app goes live and the first ACH transfer hits a compliance wall you didn't architect for. Fintech software development means building systems that move real money without triggering regulator flags or user abandonment. We build on Next.js server components so your transaction dashboards render in under 400ms, even for accounts with 50,000+ line items. Stripe Connect handles marketplace splits, payout schedules, and dispute webhooks through custom or express onboarding flows your team configures once. Plaid Link wires bank connections with automatic token refresh and fallback micro-deposits so ACH pulls don't silently fail overnight. KYC providers like Persona run OFAC screenings, document checks, and liveness detection inside your branded flow -- no user sees a third-party redirect. Your backend sits on Supabase with row-level security policies mapped 1:1 to your compliance matrix, deployed on Vercel's edge for sub-120ms global latency. We've shipped neobank dashboards, lending platforms, and payment facilitators that cleared SOC 2 and PCI SAQ-A audits without burning six months in remediation.

Your Current Site May Be a Liability

Common gaps we find in nearly every audit.

Your offshore team built the MVP but it won't pass a PCI self-assessment questionnaire.
Risk: One failed audit delays your banking partner onboarding by 3-6 months and burns $50K+ in remediation.
KYC flows drop 40% of applicants because verification screens are slow and confusing.
Risk: Every lost applicant costs $30-$120 in acquisition spend you'll never recover.
Stripe Connect's platform onboarding has edge cases your team hasn't encountered.
Risk: Incorrect account structures mean held funds, payout delays, and support tickets that erode trust.
Your dashboard takes 3+ seconds to load transaction history for power users.
Risk: Users with high balances -- your most profitable segment -- switch to competitors with faster UIs.
Plaid Link token refresh failures silently disconnect bank accounts overnight.
Risk: Failed ACH pulls trigger NSF fees, chargebacks, and customer churn you don't see until month-end.
Your current stack can't add new compliance regions without a full rewrite.
Risk: Each new market launch takes 4-6 months instead of weeks, and competitors claim the territory first.

What Your Website Could Look Like

Custom-designed for your industry. No templates. No stock photos.

Fintech banking platform dashboard on laptop and mobile
Compliant financial product with Stripe Connect, Plaid integration, and KYC flow

What We Build

Purpose-built features for your industry.

Configure Stripe Connect account structures that prevent held funds and payout delays auditors flag

Your banking partner onboards in weeks, not months, because the PCI architecture is documented and audit-ready from day one

Wire Plaid Link with token refresh logic so bank disconnects don't silently kill ACH transfers overnight

KYC applicants complete verification without confusion or third-party redirects, recovering the $30–$120 acquisition cost per user

Build KYC flows that run OFAC + document checks without the 40% applicant drop-off generic embeds cause

Stripe Connect handles marketplace splits and payout schedules correctly so funds flow without support tickets eroding trust

Architect PCI-compliant tokenization so your SAQ-A assessment doesn't stall banking partner onboarding

Power users with high balances see sub-second dashboard loads and stay instead of switching to faster competitor UIs

Render transaction dashboards in 400ms using server components -- not 3+ second client hydration waterfalls

ACH transfers succeed because Plaid tokens refresh automatically and failed pulls trigger alerts before month-end churn spikes

Deploy row-level security policies that map to your compliance matrix so auditors see access control in code

New compliance regions launch in weeks using the same stack -- no 4-6 month rewrites while competitors claim territory first

Our Development Process

From discovery to launch. Quality at every step.

01

Compliance & Architecture Audit

Week 1

We review your regulatory requirements, existing integrations, and data flow to produce a compliance-mapped technical spec.

02

Identity & Payment Wiring

Week 2-4

Stripe Connect account structures, Plaid Link flows, and KYC provider integration go live in a staging environment with test credentials.

03

Dashboard & Core UI Build

Week 4-7

Next.js app with server components, transaction views, onboarding screens, and admin panels -- all built against real API responses.

04

Security Hardening & Audit Prep

Week 8-10

Penetration testing, RLS policy review, PCI self-assessment documentation, and rate limiting on all sensitive endpoints.

05

Launch & Monitoring Setup

Week 10-12

Production deploy on Vercel with Datadog alerting, Stripe webhook monitoring, and Plaid health checks -- plus 30 days of post-launch support.

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Frequently Asked Questions

Most fintech MVPs land between $40K and $80K. That gets you Stripe Connect with connected account onboarding, Plaid Link for bank connections, a KYC verification flow, a user dashboard with transaction history, and an admin panel. The number moves based on how many payment methods you support, whether you need multi-currency, and how complex your KYC rules are. We scope everything in a paid discovery week before quoting a fixed price.
An MVP with payments, bank linking, and KYC takes 6-8 weeks. A full platform with multi-party payouts, compliance reporting, and role-based admin panels runs 10-12 weeks. We've done it faster when the regulatory requirements are already documented — the compliance mapping is usually what slows things down, not the code.
Financial dashboards need to render large datasets fast. Next.js server components let us fetch and render transaction tables on the server, so users see data in under 400ms instead of waiting for a client-side hydration cycle. Server-side rendering also means better SEO for your marketing pages and a single codebase for both. If you need a native mobile app, we'll build the API layer in Next.js route handlers and pair it with a React Native client.
We don't store card data — ever. Stripe Elements and Stripe.js tokenize payment details in the browser before they touch your server, which keeps you at PCI SAQ-A — the simplest compliance tier. We document the data flow, configure Content Security Policy headers, and prepare the evidence your QSA or banking partner needs. If your product requires SAQ-D level compliance, we'll tell you upfront and scope accordingly.
We've shipped production flows with Persona, Alloy, Jumio, and Onfido. Persona is our default recommendation for most US-focused products because their API is clean and their document verification accuracy is strong. For products that need adverse media screening, PEP checks, or custom risk scoring rules, we wire in Alloy as an orchestration layer. You'll get a branded verification flow inside your Next.js app, not a redirect to a third-party domain.
A typical project runs with a tech lead, one or two senior full-stack engineers, and a QA engineer — all on our payroll, not subcontracted. The tech lead handles architecture decisions and compliance mapping. Engineers build in two-week sprints with demo calls every Friday. You'll have a shared Slack channel and direct access to the people writing the code, not a project manager relaying messages.
Every fintech project includes 30 days of post-launch support at no extra cost. After that, we offer retainer plans starting at $4K/month for ongoing feature work, Stripe webhook monitoring, Plaid token health checks, and Datadog alerting. Most fintech clients stay on a retainer because compliance requirements change quarterly and you'll want engineers who already know your codebase.
Yes. We've integrated with banking-as-a-service platforms like Unit, Treasury Prime, Synapse (now Tabapay), and Column. If your partner has a REST or GraphQL API with documentation, we can wire it in. We'll review their API docs during discovery week and flag any gaps — some BaaS APIs have quirks around webhook reliability or sandbox parity that are better caught early than in production.
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