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Fintech & Banking
CodiFly builds secure, compliant, and scalable fintech products — from digital wallets and payment gateways to open-banking APIs and fraud detection engines.
What We Build
From regulated payment infrastructure to consumer-facing investment apps, we ship compliant fintech products that earn user trust from day one.
End-to-end payment processing solutions with multi-currency support, split payments, real-time reconciliation, and PCI-DSS Level 1 compliance baked in from the ground up.
Mobile and web wallets with P2P transfers, QR payments, virtual cards, and biometric authentication for seamless and secure money movement.
Credit scoring engines, loan origination systems, buy-now-pay-later checkout flows, and collections automation tailored to your risk appetite.
Retail investment and robo-advisory platforms with real-time portfolio tracking, fractional shares, and regulatory reporting for MiFID II and SEC compliance.
Open-banking integrations via Plaid, TrueLayer, and Basiq — account aggregation, balance checks, transaction enrichment, and payment initiation in days, not months.
Rule-based and ML-powered fraud engines with real-time transaction monitoring, velocity checks, device fingerprinting, and automated case management.
Technology
We choose technologies proven in high-compliance, high-throughput financial environments — because every millisecond and every byte of data matters.
Our Process
We embed compliance thinking at every phase so audits and launches are smooth, not stressful.
Map regulatory obligations (PCI-DSS, GDPR, AML) and define data classification, access controls, and audit logging requirements.
Design zero-trust microservices, encrypted data stores, HSM key management, and network segmentation before a single line of code is written.
Agile development sprints with SAST/DAST scanning, third-party penetration testing, and continuous dependency auditing throughout the build.
Produce compliance evidence packs, coordinate QSA audits, and execute a phased rollout with 24/7 incident response in place from go-live.
Results
FAQ
Fintech projects start from $1,000 for isolated modules like payment gateway integrations or KYC flows. A focused digital wallet or payment MVP costs $8,000–$18,000. Full-scale platforms with multi-currency support, open banking, and compliance tooling run $25,000–$80,000. We provide a detailed fixed-price quote after a discovery session — no vague hourly estimates.
We can kick off within 2 business days of a signed agreement. A focused payment or wallet MVP ships in 2–4 weeks for the initial flows. A full fintech product with compliance tooling and banking integrations typically takes 10–16 weeks. We deliver in fortnightly sprints so you see working functionality — not just status updates.
We implement all 12 PCI-DSS requirements from day one: network segmentation, tokenised card storage, role-based access control, comprehensive logging, and regular vulnerability scanning. We work with certified QSAs throughout the build to produce the evidence packs you need for your SAQ or ROC — so compliance audits don't become a scramble at launch.
Yes. We integrate with Plaid (US/Canada/EU), TrueLayer (UK/EU), and Basiq (Australia) for account aggregation and payment initiation. For direct bank connections, we build OAuth 2.0 flows, webhook handlers, and transaction normalisation layers so provider differences never leak into your core product.
We layer multiple defences: configurable rule engines for velocity and pattern checks, device fingerprinting, IP reputation scoring, 3DS2 strong customer authentication, and optional ML anomaly detection. Every alert feeds into a case management queue for analyst review — so your team can action suspicious transactions fast.
Compliant, secure, and built to handle real financial volume. Let's scope your project and get moving.
Secure, scalable financial platforms built for real-world transactions.
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