FinTech Software Development
FinTech software development across banking, payments, lending and wealth — ledger-first, partner-ready and built for audit.
- 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 |
Division
Service area
Digital Banking & Neobanks
Engagement
Project · Team · Managed
Overview
FinTech development differs from general software development in one crucial way: money must never be created, lost or double-counted. We build financial products on ledger-first architectures with idempotent money movement, reconciliation and complete audit trails, and integrate them with the banks, processors and compliance providers that deliver regulated services. Our FinTech practice spans Web2, Web3 and hybrid products, so one partner can cover your full roadmap.
Common use cases
- New fintech product launchFrom product definition and partner integration to production launch.
- Scaling a fintech platformRe-architecting for volume, new markets and new partners.
- Adding financial featuresPayments, wallets or lending embedded into a non-financial product.
- Platform consolidationUnifying fragmented financial systems around one ledger.
Quick answers
FinTech Software Development at a glance
The essentials in brief. Every project is scoped individually — ask us for specifics.
- What is FinTech software development?
- FinTech software development across banking, payments, lending and wealth — ledger-first, partner-ready and built for audit.
- Who is it for?
- Typically neobanks, payment companies, lenders, wealth platforms and financial institutions building or modernising customer-facing and back-office systems.
- What does Shivacha provide?
- Ledger-first architecture
- Partner integration layer
- Money movement engine
- Compliance-ready tooling
- Security engineering
- Back-office operations
- Which technologies are used?
- Double-Entry Ledgers, ISO 20022, Open Banking APIs, Java, Kotlin, Swift — chosen to fit your stack and constraints.
- How does the process work?
- Product & partner model → Core design → Integrations → Experience build → Launch readiness.
- What affects the cost?
- Banking, card, payment and KYC partners to integrate
- Ledger and reconciliation complexity
- Number of currencies, countries and payment rails
- Compliance, reporting and audit requirements
- Mobile, web and back-office scope
- Availability and disaster-recovery targets
- How long does it take?
- A regulated-market MVP usually takes 4–7 months including partner integrations; extensions to an existing platform can ship in weeks.
- How do I get started?
- Share a short brief in the form below, book a 30-minute call or message us on WhatsApp. A senior engineer replies within one business day; NDA on request.
Capabilities
What we deliver
Ledger-first architecture
Double-entry ledger at the core of every product.
Partner integration layer
Banks, processors, KYC and custody behind adapters.
Money movement engine
State machines for transfers, payments and payouts.
Compliance-ready tooling
Audit logs, maker-checker and reporting data.
Security engineering
Encryption, tokenisation and access control.
Back-office operations
Support, reconciliation and exception handling tools.
Architecture
Engineered right from day one
The layers we typically design for digital banking & neobanks, adapted to your stack and partners.
- Ledger accuracyDouble-entry accounting with immutable journal entries and daily reconciliation.
- Partner abstractionBaaS and banking partners behind adapters to avoid lock-in.
- Operational toolingBack-office for support, disputes, limits and manual adjustments with maker-checker.
- Regulatory positioningRegulated services provided by licensed partners; we deliver the technology.
Delivery
How an engagement runs
- 1
Product & partner model
Define products, customer segments and licensed partners providing regulated services.
- 2
Core design
Account structures, ledger, product rules and money movement flows.
- 3
Integrations
Sponsor bank or core system, payment schemes, card processor, KYC and screening providers.
- 4
Experience build
Onboarding, accounts, payments and support journeys across mobile and web.
- 5
Launch readiness
Testing with partners, operational tooling, reconciliation and controlled launch.
Security
Security built into delivery
Controls we apply by default on this kind of work — not a separate phase at the end.
Ledger integrity
Double-entry, immutable journals and daily reconciliation against partners.
Idempotent money movement
Every payment operation safe to retry, with no double-spend.
Access control
Maker-checker approvals, least privilege and full audit logging.
Data protection
Encryption in transit and at rest, tokenised card data and PCI-aware architecture.
Technology
Tools we use for this
Products
Start from a platform
Shivacha Digital Bank
A configurable digital banking platform for banks and licensed partners.
Learn moreShivacha Neobank
Launch a mobile-first neobank on a platform built to scale.
Learn moreShivacha Banking API
Secure, versioned banking APIs over any core — with sandbox and developer portal.
Learn moreRelated services
Often combined with
Digital Banking Development
Build digital banking platforms for retail and business customers — onboarding, accounts, payments, cards and servicing.
Learn moreNeobank Development
Launch a neobank with a mobile-first experience, modern ledger and licensed banking partners — from MVP to scale.
Learn moreCore Banking Platform Development
Modern core banking components — ledger, product engine, interest, fees and limits — or integration with existing cores.
Learn moreDedicated team
Banking Technology Team
Engineers for digital banking, core integration and banking APIs.
Work & insights
Related thinking
Ledger-first architecture for a partner-bank neobank
How we structure a neobank so that balances always reconcile with the sponsor bank and partners can be added or replaced.
Learn moreStablecoin settlement layer for a card-accepting payment platform
A hybrid design that lets merchants accept cards as usual while optionally settling in stablecoins.
Learn moreYour ledger is your product: designing money movement that always reconciles
Fintech products are judged on experience but survive on correctness. A double-entry ledger at the core is what makes balances provable.
Learn moreFAQ
Frequently asked questions
What makes fintech development different?
Financial correctness, regulatory expectations and partner integrations. Every flow must be idempotent, reconcilable and auditable, and responsibilities must be clearly split between your platform and licensed partners.
Do you work with early-stage fintech startups?
Yes. We help startups launch with licensed partners on a foundation that will survive growth, due diligence and regulatory scrutiny.
Do we need a banking licence to launch a neobank?
Many neobanks launch in partnership with a licensed sponsor bank or e-money institution, while others hold their own licences. That is a legal and strategic decision for you and your advisors; our platforms support both models technically.
Can you integrate with our existing core banking system?
Yes. We build API layers and middleware over existing cores, or implement a modern ledger alongside the legacy core for new products.
Next step
Discuss Your FinTech Product.
Tell us about your FinTech software development requirements — goals, timeline and constraints. We will reply with questions, an approach and next steps.
- Senior engineer reads every enquiry
- Reply within one business day
- NDA on request
Your details are used only to reply to this enquiry.