Fintech App Development
Fintech apps where the money has to add up: digital wallets, transaction ledgers, payment gateways, KYC onboarding, and payouts - in the app, on the web, and in the back office. We have kept BBX Connect, a cashless B2B trading platform across eight countries, shipping since 2020.
Wallets + Ledgers
Core Builds
8 Countries
One Live Platform
Since 2020
Ledger in Production
iOS + Android + Web
Platforms
The parts of a fintech product that hold the money
Every balance, payment, and payout is a record with a history - and the app, the web platform, and the back office all read the same one.
In-app wallets where funds are paid in, held, and paid out, with balances users can trust at every step.
- In-app wallets & balances
- Held funds & releases
- Multi-currency balances
A ledger where every movement is a transaction with a history, so balances can be traced rather than just displayed.
- Full transaction history
- Income & expense views
- Same record in app, web & admin
Card, local, and QR payments through the gateways your market uses - more than one rail on the same ledger when needed.
- Stripe, Intercash & Gulf gateways
- QR code payments
- Multiple payment rails
Document submission and a review queue in the admin dashboard, so every account is verified before it touches a payment.
- Document submission
- Admin review queue
- Approve, suspend & re-approve
Subscriptions, commissions, and payout rules as settings in the dashboard, so you can change your economics without a deployment.
- Subscriptions & in-app purchase
- Configurable commission & fees
- Payout requests & approval
A back office where your team reconciles transactions and manages accounts across every market, without calling a developer.
- Reconciliation tools
- Account management
- Multi-country administration
From money flows to a live fintech app
You approve a written scope before we build, then see working software every Friday until launch.
We map every way money moves through your product - who pays, who is paid, in which currencies, and through which gateways.
Figma designs for wallets, payments, onboarding, and the admin back office, with flows you can click through.
The transaction model first, then Flutter apps and the web platform on a Node.js backend - demoed every Friday.
Gateway integrations, wallets, payouts, subscriptions, and the KYC flow with its admin review queue.
Reconciliation, account management, and security hardening across the app, web platform, and back office.
App Store and Google Play submission, 45 days of free support, then optional long-term maintenance.
Fintech we have already shipped
A cashless B2B trading ledger across eight countries, a marketplace wallet with two payment rails, and a delivery platform with KYC and commission control.
Fintech App Development FAQs
Products where money moves between people or businesses: digital wallets, transaction ledgers, B2B trading and credit platforms, marketplace payments with held funds and payouts, subscriptions, and KYC onboarding. Payments run through established gateways such as Stripe, Intercash, KNET, MyFatoorah, Tap, and UPayment.
It depends on how money moves through the product - how many currencies, gateways, user roles, and payout rules it has to handle. We map those flows in a free scoping call and give you a fixed price against a written scope, rather than an hourly range.
By treating balances as records rather than numbers on a screen. Every movement is a transaction with a history, reconciliation is part of the admin tooling instead of a spreadsheet, and the app, web platform, and back office all read the same record. On BBX Connect, that includes holding trade credits and cash on the same transaction.
Through a KYC flow that ends with a person, not just an algorithm. On Connect, vendors and drivers submit documents during onboarding, applications land in a review queue in the admin dashboard, and an operator approves, suspends, or re-approves them without a developer.
Yes - country becomes a dimension of the data rather than a separate build. BBX Connect runs eight markets on one codebase and one backend, with listings, directories, events, and local currency following the member's market, so a fix ships everywhere in the same release.
Yes. BBX Connect has shipped continuously since September 2020, through two major versions, with the same team. On a ledger product that continuity matters: the expensive mistakes usually come from someone changing a rule they did not know existed.
