Fintech software development company for products that move, lend or hold money.

Fewer than most teams assume. Cardholder data mostly stays with your payment provider once you use hosted fields and tokenization. Custody and settlement sit with your sponsor bank. Identity checks and sanctions screening come from a specialist vendor. What stays yours is the part no supplier can take: who can reach production data, what is logged and for how long, how a change reaches customers and who approved it, and the record of every onboarding decision.

We work on three engagement models: time and materials billed hourly and quoted per project, fixed price quoted per project against an agreed outcome, and team extension billed monthly per team member. Which fits depends on how firm the scope is, and we recommend one after discovery. We publish no price band: a single provider integration and a ledger of record sit too far apart for one number. Team extension carries no recruitment fee; fixed-scope work carries a post-launch warranty agreed in the contract.

Most engagements start within two to four weeks of signature. The regulated boundary decides duration more than the feature list does: a product where card data never touches your servers and a bank partner owns settlement moves faster than one where you build the ledger of record yourself. We sequence the money path first, because everything else has to agree with it and it is the most expensive thing to change late. You get a sequenced plan with cost attached after discovery.

Yes, and it is most of the financial-services work we do. We connect payment providers, banking and open banking APIs, accounting systems and CRMs so one transaction means the same thing in all of them, with webhooks, retries and idempotency so it is never processed twice. On the accounting build for a London financial-advisory firm, the client was a fully Xero-certified practice, so the software had to align with the system their client base already used.

Yes, and we have. A London financial-advisory firm brought us in after a previous partner stalled on a part-built bookkeeping platform in MySQL, ASP.NET MVC and C#. We extended what was already there and added encryption and secure user authentication around the financial data. A takeover starts with reading what exists rather than proposing a rewrite, which is the expensive answer and right less often than it is chosen.

unicrew holds ISO 27001:2022 for information security and ISO 9001:2015 for quality management, both renewed through a multi-stage audit with Quay Audit UK, and delivery runs with ISTQB-certified QA engineers. We do not hold SOC 2, and we say so rather than let you assume it. We build to the regimes your product carries: PCI DSS, PSD2, KYC and AML, ISO 20022, GDPR, DORA. Which of those apply to you is your compliance officer's call, not ours.

Where the requirement calls for it. For a commodities trading platform we implemented contract signing as a smart contract on Ethereum, built it as independent Node.js microservices, and used IPFS between the back end and the blockchain. That was right: the record of who agreed to what had to be independently verifiable. For most financial products it is not: a conventional ledger with an audit trail is cheaper to build and run, and easier to explain to an auditor.