Dedicated FinTech Engineering Team
Engineers experienced in ledgers, money movement and financial partner integrations.
- ClientCheckout · wallet
- APIIdempotency key
- Identity & KYCVerified
- Risk & complianceRules passed
- Payment gatewayAuthorised → captured
- LedgerDouble-entry posted
- SettlementBank rail · T+1
Journal entry · balanced
| Account | Debit | Credit |
|---|---|---|
| Customer funds | 120.00 | — |
| Merchant payable | — | 118.20 |
| Fee revenue | — | 1.80 |
Overview
A fintech team brings domain knowledge that general engineers lack: double-entry ledgers, idempotent money movement, reconciliation, partner integrations and compliance-ready design. They build and evolve financial products across Web2, Web3 and hybrid rails.
Ideal for
- Fintech product builds
- Hybrid fiat-crypto products
- Financial platform modernisation
Typical composition
- 01FinTech Architect
- 02Senior Backend Engineers
- 03Mobile Engineer
- 04QA Engineer (financial testing)
- 05Delivery Manager
Composition is tailored to your roadmap; profiles are shared for your review before anyone starts.
Responsibilities
- Ledger and money movement design
- Partner integrations
- Reconciliation
- Compliance-ready features
Skills
Core technologies
How it works
Communication, delivery, security and scaling
Team composition
Teams are shaped to your roadmap, stack and domain, with profiles shared for your review before anyone starts.
Responsibilities
A written responsibilities matrix defines who owns what — priorities, architecture, delivery, quality and operations.
Communication
Teams work in your tools and rituals: stand-ups, planning, demos and retrospectives, with agreed time-zone overlap.
Delivery
Delivery managers track progress and risks, with regular demos and transparent reporting against agreed metrics.
Security
Least-privilege access, company-managed devices, secure credential handling and confidentiality agreements for every engineer.
Scaling
Teams scale up or down with notice periods agreed in the engagement, with knowledge transfer built into every change.
Engagement
Monthly engagements with clear terms, IP assigned to you and regular performance reviews with your leadership.
Engagement models
Choose how this team works with you
Individual Specialist
1 engineerA senior specialist embedded in your team to fill a specific skill gap.
Best for: Adding expertise such as smart contracts, AI or platform engineering to an existing team.
Dedicated Pod
2–4 peopleA small, self-organising unit focused on a feature area or workstream.
Best for: Owning a defined area of your product with minimal management overhead.
Dedicated Team
5–10 peopleA full cross-functional team working exclusively on your roadmap.
Best for: Building or evolving a product or platform over the long term.
Extended Team
FlexibleShivacha engineers integrated into your existing teams as additional capacity.
Best for: Accelerating an in-house roadmap without changing team structure.
Product Squad
4–8 peopleProduct, design and engineering together, accountable for product outcomes.
Best for: New products or product lines needing end-to-end ownership.
Managed Engineering
Scoped to outcomesShivacha owns delivery of defined outcomes with service levels and reporting.
Best for: Delegating a product, platform or operational workstream entirely.
Services
What this team delivers
FinTech Software Development
FinTech software development across banking, payments, lending and wealth — ledger-first, partner-ready and built for audit.
Learn moreNeobank Development
Launch a neobank with a mobile-first experience, modern ledger and licensed banking partners — from MVP to scale.
Learn moreLending Platform Development
End-to-end lending platforms: origination, decisioning, disbursement, servicing, collections and loan accounting.
Learn moreFiat-Crypto Integration
Connect fiat accounts and payment rails with crypto wallets and stablecoins — conversions, transfers and unified balances.
Learn moreFAQ
Frequently asked questions
How quickly can the team start?
Timing depends on roles and seniority. We share profiles for your review, and initial team members can often begin within a few weeks of agreeing scope.
Will the team work in our time zone?
We arrange meaningful overlap with your working hours and agree communication rituals up front. Teams work in your tools — your repositories, tracker and chat.
Who owns the code and IP?
You do. All work product is assigned to you under the engagement agreement.
Build your engineering team.
Tell us what your FinTech engineering team should own and we will propose a composition.