Fintech software development company that draws the regulated perimeter first
Redlio Labs is a fintech software development company for products that run on a bank, a processor or a lending partner. Our custom fintech software development leaves card data, customer funds and licensed decisions with those partners. We draw that perimeter on paper before the architecture, and you talk to the people doing the work from the first call.
- The regulated perimeter drawn before the architecture
- Tokenized checkout that keeps card numbers off your servers
- Every partner integration scoped before the price
Reviewed by Mayursinh Jadeja, Founder · Last updated October 13, 2026
Rated 5.0 on Clutch and 5.0 on Google
“The admin panel feels like it was made specifically for us, because it was.”
Trusted by growing businesses
Why the regulated perimeter comes first in fintech software development
Every fintech product sits on regulated activity: moving money, holding it, lending it, checking who a customer is. Most product companies do not hold every license that activity needs, and we advise them not to try. A bank, a payment processor, an identity provider or a lending partner holds it for them.
We build the software to sit around that perimeter cleanly. When software crosses the line, by storing card data, making a credit decision it should not, or keeping customer money in the wrong account, a code change rarely fixes it. The company faces an audit, a remediation plan and sometimes a regulator.
So our fintech software development services start with three lines drawn on paper, before we discuss the architecture.
- What your partners holdWe leave card data, customer funds and licensed decisions with the partner that is licensed for them.
- What your company holdsWe place the customer relationship, the product logic and the data your company may keep in its own systems.
- What stays out by designWe design the flows so raw card numbers, credentials and anything that widens your compliance scope stay out.
Our custom fintech software development services
We build six kinds of system, each on the partners and rails your product depends on. The work spans fintech, lending and banking software development.
Payments and wallets
We build checkout, payouts and wallet features on your processor’s tokenized APIs, so card data stays with the processor and off your servers.Lending platforms
We put loan origination and servicing in one workflow: applications, documents, decisions from your credit partner, repayments and collections.Wealth and investment tools
We build portfolio views, client onboarding and reporting on your custodian’s or broker’s APIs, so the assets themselves stay with them.Onboarding and KYC flows
We route identity verification and screening through a specialist provider, and keep the audit trail your compliance team will be asked for.Back-office and reconciliation
We build ledgers, reconciliation against bank and processor reports, and the exception queues your finance team works through every day.Reporting and compliance data
We draw regulatory and management reporting straight from the ledger, so month end no longer depends on spreadsheets assembled by hand.
Fintech case studies
Client projects are told from the client’s own review. Design work is shown as work, with no client result claimed.
Design work
Trading platform UI design for stock trading on tablet and desktop
Market and portfolio views for a stock trading platform, on tablet and desktop.
Design work
Crypto dashboard design for a portfolio: balances, chart and coin list
Balances, a price chart and a coin list for a crypto dashboard.
Design work
Crypto wallet app design in dark mode, for a balance and trending coins
A crypto wallet app in dark mode: balance, trending coins and profile.
Rated by the clients who have worked with us
Saurabh GoswamiManaging Director, Ultra Rich Weddings 5/5★★★★★“Redlio Labs successfully delivered the project within schedule; they met all of our requirements. Their quality designs and in-depth knowledge of technology were key elements of their work.”
Verified review on Clutch
1 / 4
Talk your fintech build through with the people who would build it
Thirty minutes on what the product does, which partners hold the licenses and where the perimeter sits. We give you a straight answer on fit, before anyone writes a proposal.
Mayursinh JadejaFounder
- Reply within 12 hours
- NDA before the first call
- A straight answer on fit
How we plan fintech integrations, partner by partner
A fintech product borrows most of its behavior from partners, so most of its risk arrives through their interfaces. We scope each of the five usual counterparts below, and the trouble each one tends to bring.
| Counterpart | Usual interface | What goes wrong |
|---|---|---|
| Payment processor | REST APIs, hosted fields, webhooks | Webhooks that arrive late, twice or out of order |
| Banking partner | Banking APIs, file transfers, ISO 20022 messages | Settlement files that do not match what the API reported |
| Identity and KYC provider | REST APIs, SDKs | Manual review queues nobody sized |
| Credit bureau or lending partner | Partner APIs | Decisions that must be explained to the customer, not just stored |
| Accounting and ERP | APIs, scheduled exports | Two ledgers that drift apart a cent at a time |
We apply one discipline to all five: we treat every partner message as something that can arrive late, twice or not at all, and reconcile against the partner’s own reports. Our custom software development work runs on the same rule: the integrations are scoped before the price.
Seven questions to settle before your fintech software build starts
We advise getting these answered in writing by any fintech software vendor, including us. The PCI Security Standards Council publishes what counts as cardholder data and why reducing scope matters.
- Which licensed partner performs each regulated activity: holding funds, processing cards, lending, identity checks.
- Whether card data will ever reach your servers, and if not, how the design keeps it out.
- Which system is the ledger of record, and how it is reconciled against the bank and processor every day.
- What happens when a partner’s webhook arrives twice, late or never.
- What your compliance team will need to evidence, and where the audit trail for each decision lives.
- Which data you may keep, for how long, and where it is hosted.
- Who owns the partner accounts, the keys and the code when the engagement ends.
We answer these with your team first, and most of the architecture follows from them. Left open, they are decided by the architecture, usually in the most expensive direction.
Source: PCI Security Standards Council
Compliance, explained
What PCI DSS, KYC, SOC 2 and DORA change in a fintech software build
Compliance in fintech belongs to the regulated entity. We build the software to keep your scope small and your evidence easy to produce.
PCI DSS
Under PCI DSS, any system that stores, processes or transmits card data is in scope. We use tokenized checkout and hosted payment fields to keep raw card numbers off your servers, which shrinks what has to be assessed.KYC and AML
These obligations, built on the FATF Recommendations in most countries, sit with the regulated entity. We build the verification flow through a specialist provider, the screening records and the audit trail an examiner will ask for.SOC 2 reports
Banks and enterprise buyers often ask their vendors for a SOC 2 report. It describes the controls around your systems, so we put logging, access control and change management into the build from the start.DORA (EU)
Since January 2025, DORA requires EU financial entities to manage ICT risk, including the third parties they rely on. For products sold to EU financial firms, we plan for their questions about resilience, incident reporting and exit plans.
When custom fintech software is the wrong choice
We advise against a custom build in three cases, and we say so on the first call:
A banking-as-a-service platform covers it
Where a licensed platform already offers the accounts, cards or payments through its API, we advise building the customer experience on top and leaving the core to it.The product is a standard ledger
Accounting and standard lending products are mature. We recommend configuring one and keeping the build budget for something else, unless your product logic differs.No one to staff the compliance side
Custom software means your own team evidences its controls. Without someone to own that work, we recommend a regulated platform, which carries the load better than a build would.
We recommend custom fintech software where the product logic, the customer experience or the reconciliation between partners is what makes your business different.
How we deliver fintech software development
Step 1 of 5
Discovery
We map your workflows, systems, and constraints with the people who use them every day, before anything is scoped. For fintech: we draw the perimeter, name each partner and list the data your compliance team must evidence.
Discovery
- Workflow map
- Systems inventory
- Constraints and risks
Step 2 of 5
Scope and plan
We write a scope, a timeline, and a price for that scope. Architecture decisions are made and documented before code starts.
Scope and plan
- Written scope
- Timeline and milestones
- A price for that scope
- Architecture decisions
Step 3 of 5
Build in stages
Senior engineers deliver in planned stages, with working software demonstrated at every step, not a reveal at the end. For fintech: we start in the partner sandboxes and test duplicate and late messages deliberately.
Build in stages
- Planned stages
- Working software every step
- Senior engineers on the code
Step 4 of 5
Launch
Data migration, training, and a production cutover planned around your operations and your calendar, not ours.
Launch
- Data migration
- Team training
- Production cutover
Step 5 of 5
Run and improve
The team that built your system stays on it: monitoring, support, and the next improvements on one roadmap. For fintech: we reconcile against partner reports every day and queue exceptions for review instead of correcting them silently.
Run and improve
- Monitoring
- Support
- Improvement roadmap
Fintech software development company FAQs
If something here does not answer it, ask the founder directly.
Talk to the people who do the work
A 30 minute scoping call with the team that would take the project on. We reply within 12 hours.
Prefer email?info@redliolabs.com
What does a fintech software development company do?
As a fintech software development company, we build the software financial products run on and integrate it with the banks, processors and providers that hold the licenses. That covers payments, lending, wealth, onboarding and back-office systems, plus the web and mobile apps customers use.
We are a fintech app development company as well. We build the app together with the ledger and the partner integrations, because the app is only as reliable as what sits behind it.
How much does fintech software development cost?
We price fintech software development on three things: the number of partners to integrate, the reconciliation involved and the compliance evidence required. Each additional partner, market or regulated feature adds work, mostly in integration testing and approvals. We do not publish prices; our guide to what decides custom software cost explains why quotes for the same product differ.
Do we need a banking license to build a fintech product?
Often a banking license is not needed to build a fintech product, and we design for that. Many fintech products work with a licensed partner that holds the funds or performs the regulated activity, and build the customer experience around it. Which licenses a product needs is a question for a regulatory lawyer, answered before we design the architecture.
How do you handle card data and PCI DSS?
We keep card data away from your systems wherever possible. We use tokenized checkout and hosted payment fields from your processor, so raw card numbers go to the processor and not to your servers. That keeps most of your software out of PCI DSS scope.
Can you integrate with our bank or payment processor?
Yes, we can integrate with your bank or payment processor, through their APIs, their files or both. We build every integration expecting messages to arrive late, twice or not at all, and reconcile against the partner’s own reports. We scope each integration before the price.
How long does custom fintech software development take?
We give you a timeline after discovery, once the perimeter is drawn and each partner is named. A focused fintech product on one partner can take a few months. Each additional partner, market or regulated feature adds time, mostly in integration testing and approvals.
Do you offer banking software development?
Yes, we offer banking software development for the systems around a licensed bank or banking partner. That means customer apps, onboarding and KYC flows, ledgers, reconciliation against bank reports, and reporting. The license, the funds and the regulated activity stay with the bank.
We can also modernize legacy banking and lending systems in stages, with both systems running and their outputs compared until they agree. Our application modernization service page explains how.
Who owns the code and the partner accounts?
We advise every client to own the code and the partner accounts. The code, the cloud accounts, the partner accounts and the keys should be in your name, written into the contract before the work starts. We suggest asking any fintech software vendor to put that in writing, including us.
Scope your fintech build with the people who would build it
Request a 30 minute scoping call and tell us what the product does and which partners hold the licenses. We reply within 12 hours, sign an NDA before the first call and give you a straight answer on fit.
- We reply within 12 hours
- You talk to the people doing the work, never an account manager
- Peer-reviewed releases
- NDA before your first call
Mayursinh Jadeja
Founder, Redlio Labs