SaaS Development · for Fintech founders
SaaS Development for Fintech MVPs
In short
Aqib Ops builds fintech MVPs end-to-end in 8–12 weeks. We deliver a hardened auth + KYC flow, a double-entry ledger, Stripe (or Treasury/Connect) money movement, and SOC 2-friendly audit trails — the parts a generalist agency typically gets wrong on a first fintech build.
The problem
Most fintech MVPs die in two ways: shipping a payments flow that ops can't reconcile, and shipping a data model that won't survive the first audit. A pre-seed founder with eight weeks of runway can't afford either failure.
Our approach
We start by modeling the ledger first (immutable journal entries, account hierarchy, idempotency keys) before a single screen is designed. KYC and bank linking flow are wired against sandbox APIs week one. Compliance and audit logging are baked into the schema, not bolted on.
Stack we'd reach for
Next.js + tRPC
Type-safe API surface from day one — no drift between client and server.
Postgres + Drizzle
Real money math runs on a real database, with type-checked migrations.
Stripe (Connect / Treasury)
Battle-tested rails; we wire reconciliation webhooks on day one.
Persona or Plaid Identity
Production-grade KYC with fewer surprises than rolling your own.
Sentry + OpenTelemetry
Money systems need observability before they need analytics.
What you'd get
- Double-entry ledger with idempotent transfers
- KYC + AML onboarding flow (Persona / Plaid Identity)
- Stripe webhook reconciliation worker
- Admin console: refunds, holds, account freezes
- SOC 2-ready audit log on every state change
- Sandbox + production environments with secrets isolation
Recent example
A B2B card-issuing pre-seed
Shipped a working ledger, KYC, and card-issuing prototype in 9 weeks. Closed a $1.4M seed two months after launch on the strength of the live demo.
Frequently asked
How long does a fintech MVP take to build?
Aqib Ops ships a fintech MVP in 8–12 weeks for a typical scope: auth, KYC, a double-entry ledger, one money-movement flow, and an admin console. Adding card issuing or international rails usually adds 2–3 weeks.
What does a fintech MVP cost?
Most fintech MVPs we ship land between $35k and $90k depending on whether you need card issuing, multi-currency, or a custom ledger. We quote per scope after a discovery call — no fixed tiers.
Do you handle compliance and SOC 2?
We build SOC 2-friendly: audit logging on every state change, secrets isolation, least-privilege IAM. Actual SOC 2 certification is a separate engagement with a compliance partner like Vanta or Drata, which we'll set up alongside the build.
Can you integrate with Stripe Treasury or Connect?
Yes. We've wired both — Connect for marketplace flows and Treasury for embedded banking. We handle reconciliation webhooks, payout scheduling, and the operational tooling around them.
Who owns the code and data?
You do. The repo is yours from day one. We hand over infrastructure access, runbooks, and a Loom-recorded code walkthrough at launch.