Financial software demands more than clean code. It demands encryption, audit trails, regulatory awareness, and zero tolerance for data leaks. We build it that way from the first commit.
Why specialize
A bug in a to-do app is annoying. A bug in financial software can move money to the wrong account, expose sensitive data, or violate federal law. Fintech development requires domain knowledge in regulations, security protocols, and financial data handling that most development shops simply do not have. We do.
Regulatory awareness
The Gramm-Leach-Bliley Act requires financial institutions to protect consumer data. We architect systems with data minimization, access controls, and privacy notices built in.
Payment Card Industry standards dictate how card data is stored, transmitted, and processed. We never store raw card numbers and integrate with PCI-compliant payment processors like Stripe.
SOC 2 Type II readiness means your infrastructure meets trust service criteria for security, availability, and confidentiality. We build with audit logging and access controls from day one.
What we build
Multi-account dashboards, transaction categorization, spending analytics, and financial goal tracking. Built for clarity and daily use.
Portfolio visualization, real-time price feeds, performance analytics, and tax-lot tracking. Designed for accuracy across asset classes.
Zero-based budgeting, envelope methods, recurring expense tracking, and bill reminders. Practical tools for real financial habits.
Exchange rate APIs, multi-currency wallets, cross-border transfers, and currency conversion. Built for international users and businesses.
Security requirements
AES-256 at rest, TLS 1.3 in transit. Sensitive fields encrypted at the application layer. No plaintext financial data, ever.
Bank integrations use read-only tokens. We never initiate transactions, move funds, or store credentials on your behalf.
Every data access, modification, and deletion is logged with timestamps, user IDs, and IP addresses. Immutable audit logs for compliance reviews.
Our fintech product
XPlus Finance is our own personal finance platform — a full-stack application with multi-account sync, AI-powered categorization, investment tracking, multi-currency support, and a dedicated mobile app. It is in production and in daily use. We build fintech because we use fintech.
Visit XPlus Finance →Tell us about your fintech idea. We will scope the security, compliance, and architecture.
