Fintech where the bugs are actual liabilities.
We build financial software with the correctness standards the sector demands — payment systems, banking platforms, compliance-ready architecture, and security baked in from day one, not retrofitted.
What we build
Software for every layer of your business.
Payment Systems
Payment gateway integrations, custom checkout flows, subscription billing, and split payment platforms built for edge cases.
Digital Banking
Core banking features, account management, transaction history, and open banking API integrations.
Trading Platforms
Order management, real-time pricing feeds, portfolio tracking, and execution systems with audit trails.
KYC/AML Systems
Identity verification, document checks, sanctions screening, and ongoing monitoring workflows.
Lending Platforms
Loan origination, credit decisioning, repayment tracking, and collections management.
Fintech APIs
Regulated fintech APIs for third-party developers — PSD2, Open Banking, and aggregation layers.
Who we work with
Built for founders, CTOs, and product leaders.
Fintech startups
Building your first regulated product — we know the compliance requirements and build them in from day one.
Challenger banks
Core banking and customer experience for digital-first banking products competing with incumbents.
Payment companies
Custom payment processing, gateway integrations, and merchant tooling built to handle edge cases.
Lending businesses
Loan origination, underwriting, and servicing systems built for your specific credit model.
Enterprise finance teams
Internal financial tooling — reconciliation, reporting, and treasury management systems.
Crypto and DeFi companies
Wallet integrations, smart contract interactions, and exchange connectivity.
Our process
How we deliver. Step by step.
Compliance First
We map the regulatory landscape for your product and jurisdiction before design begins. PCI DSS, PSD2, FCA, or sector-specific compliance requirements — understood and scoped.
Architecture
Financial systems need idempotent operations, audit trails, and double-entry accounting patterns. We design for correctness first, then performance.
Development
Payment flows built with edge cases as the primary cases — failed payments, partial refunds, dispute handling, and currency conversion all designed explicitly.
Security Audit
Penetration testing, vulnerability scanning, and PCI DSS assessment. Financial data requires a higher security bar — we apply one.
Launch & Monitor
Staged rollout with transaction monitoring from day one. Fraud detection patterns set up. Reconciliation reports automated.
Investment
An investment, not a line item.
In fintech, correctness is the product. The investment buys not just features but the compliance, audit trails, and security that make a financial product trustworthy — and viable. What it takes depends on these factors.
How we work together
Fixed Scope
Well-defined projects
We agree the deliverables and price upfront. You get budget certainty; we carry the estimation risk.
Time & Materials
Evolving requirements
You pay for time spent, see working software every sprint, and change direction without renegotiating a contract.
Dedicated Team
Ongoing product work
A committed team works as an extension of yours, billed monthly, with full flexibility on what gets built.
What shapes your estimate
Regulatory scope
The jurisdictions and licences your product needs to operate under.
Compliance depth
PCI DSS, KYC/AML, and audit requirements shape the architecture.
Payment complexity
Number of payment methods, currencies, and edge cases — refunds, disputes.
Integrations
Payment gateways, core banking systems, and open banking aggregators.
Security bar
Financial data demands penetration testing and hardening as standard.
Ongoing monitoring
Transaction monitoring, fraud detection, and automated reconciliation.
The only way to a real number is a real conversation. Tell us what you're building — we'll scope it and send a clear, itemised estimate. No obligation.
Get your estimateWhy DualTech Labs
Three things clients tell us matter most.
You own the code. Always.
Full source code ownership transfers on delivery. No lock-in, no licensing fees. Take it to any team at any point.
One team, start to finish.
Design, engineering, and QA under one roof. No handoffs, no miscommunication between agencies.
Real demos every two weeks.
You see working software from sprint one. No black-box delivery. No surprises at the end of a long engagement.
FAQ
Common questions. Direct answers.
Start with a conversation.
Tell us what you're building. We'll scope it, tell you exactly how we'd approach it, and give you a clear estimate — no commitment, no agency fluff.