Turn Your FinTech Vision into a Regulated, Scalable Product
We help FinTech startups and scale-ups ship compliant financial products faster — from MVP to enterprise-grade platform — with AI-powered automation, robust security, and design that builds trust.
End-to-End FinTech Development: From Prototype to Production
FinTech founders face a brutal equation: move fast enough to win market share, but slow down enough to satisfy regulators. Every week of delay burns runway, yet a single compliance gap can block your EMI licence or sink a funding round. We have built products on both sides of that tension — rapid MVPs that passed regulatory scrutiny and legacy platforms that needed to scale without downtime. Our team understands PSD2, AML/KYC frameworks, and open-banking APIs at an engineering level, not just a slide-deck level. Below are the capabilities we bring to the table.
Why FinTech Teams Choose 10Clouds
Our engineers speak the language of interchange fees, PSD2 strong-customer-authentication flows, and AML risk scoring. We have delivered products for neobanks, payment gateways, and lending platforms across Europe and Asia.
Regulatory requirements are not an afterthought — they are woven into our sprint planning. We have helped clients pass EMI audits, SOC 2 assessments, and GDPR data-protection impact assessments without project delays.
We architect for growth from the start. Event-driven microservices, horizontal auto-scaling, and zero-downtime deployments mean your platform can handle 100 users today and 1 million next year without a rewrite.
As an Anthropic partner, we embed AI into FinTech workflows — from intelligent document processing and automated underwriting to conversational banking assistants that reduce support costs by up to 60%.
Complex financial workflows deserve simple interfaces. Our design team — ranked among the world’s top 15 by GoodFirms — translates regulatory complexity into intuitive experiences that build customer trust and drive adoption.
Struggling to Ship Without Breaking Compliance?
We help FinTech teams move faster without cutting regulatory corners. Tell us where you are today and we will map a path to launch.
GET YOUR ROADMAPFinTech Projects We Have Delivered
From identity verification to payment gateways, see how we solve real problems for FinTech companies.
Trust Stamp
TrustStamp is a computer vision and biometric startup that provides identity and trust as a Service to answer two fundamental questions: “Who are you?” and “Do I trust you?”. 10Clouds has been providing a staff augmentation service for TrustStamp for over 5 years.
Crescent
The platform offers users 100x higher interest rates compared to traditional savings accounts with up to 6% APY, no minimums and no hidden fees.
Qenta
Firm ground and trust are the basics in the world where value is attributed to a line of code. Especially, when that code is supposed to represent gold. Qenta (former Emergent), a fintech company, wanted to create a gold-backed stable coin (G-Coin) and a verified supply chain for trusted gold. Ultimately, 10Clouds helped Qenta create an alternative to cash with responsibly sourced, digital gold.
Trust Stamp - Lite ID
Trust Stamp’s mission is to create transformational technology that accelerates secure societal and financial inclusion. One of its projects is Lite ID - an app for secure data sharing. The company reached out to 10Clouds for support with building this platform.
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What FinTech Founders Say About Working With Us
Frequently Asked Questions
How long does it take to build a FinTech MVP?
Most MVPs ship in 8–12 weeks depending on scope. A payment app with basic KYC, card issuance, and transaction history is a typical 10-week engagement. We run a focused discovery sprint in week one to lock scope and identify the fastest path to a demo-able product that can support fundraising or early-adopter testing.
Can you help us obtain an EMI or PI licence?
We do not provide legal advice, but we build the technical infrastructure regulators require — transaction monitoring, SAR reporting, audit trails, and data-residency controls. Several of our clients have successfully used our architecture documentation and security reports as part of their licence applications in the UK, EU, and Southeast Asia.
What technology stack do you recommend for FinTech products?
There is no one-size-fits-all answer, but our default stack for new FinTech builds is TypeScript (React or React Native for clients, Node.js or Python for services), PostgreSQL for transactional data, event-driven messaging with Kafka or SQS, and infrastructure on AWS or GCP. We adapt based on your regulatory environment, existing systems, and team preferences.
How do you handle security and data protection?
Security is integrated into every sprint, not bolted on at the end. We follow OWASP ASVS Level 2, apply financial-grade encryption (AES-256, TLS 1.3), run automated dependency scanning, and perform regular penetration tests. For GDPR, we implement data minimisation, consent management, and right-to-erasure workflows as standard.
Can you integrate with our existing banking or BaaS provider?
Yes. We have experience integrating with Mambu, Tink, Railsr, Modulr, Marqeta, CurrencyCloud, and a range of open-banking aggregators. Our API-first architecture uses clean adapter layers so you can swap providers in the future without rewriting core business logic.
How do you ensure the platform can scale as we grow?
We architect for scale from day one using containerised microservices, horizontal auto-scaling, and event-driven communication. Our infrastructure-as-code approach means spinning up new regions or increasing capacity is a configuration change, not a rewrite. We have supported platforms from early beta through to millions of monthly transactions.
Do you work with early-stage startups or only established companies?
We work with both. For pre-seed and seed-stage startups, we offer lean MVP engagements designed to maximise signal with minimum burn. For Series A+ companies, we provide team augmentation and managed projects that accelerate roadmap delivery. Our engagement models flex to match your stage and budget.
What does your design process look like for financial products?
We start with user research and competitive analysis to understand the regulatory constraints and user expectations specific to your segment. Wireframes and interactive prototypes are validated with real users before development begins. Our UX team specialises in simplifying complex financial flows — onboarding, KYC, transaction approvals — into intuitive mobile and web experiences.
Ready to Accelerate Your FinTech Roadmap?
Whether you are pre-seed or Series B, our team can compress months of development into weeks. Let us show you how.
TALK TO OUR TEAMContact Us
Tell us about your FinTech challenge. We will respond within one business day with a tailored proposal.