Fintech Software Development
A fintech software development company that has shipped stablecoin settlement, OTC trading operations, remittances, and licensed tokenization — production systems measured in $3.4B+ tracked and $100M+ settled.
Fintech systems we build
CodeDecoders builds financial software across the stack: stablecoin payment infrastructure, double-entry ledgers and reconciliation, OTC and trading operations platforms, consumer remittance products, on/off ramps, and tokenization systems. If it moves money or keeps the books on money moving, it is in scope. The common thread is production — everything we describe on this site is running, with real volume behind it.
Recent deliveries include a cross-border stablecoin settlement network with $100M+ processed and roughly 5-second settlement, the operations platform behind an OTC desk with $3.4B+ tracked across 20,000+ trades, a consumer remittance product for the USA-to-LATAM corridor, a USDC on/off ramp for a regulated business neobank, and a B2B tokenization platform delivered under a national license in El Salvador.
We keep dedicated pages for the specializations buyers ask about most: stablecoin payment infrastructure, payment rails and ledger engineering, and agentic payments. Each goes deeper on architecture, timelines, and evidence. This page covers the broader practice — what it is like to have us design and build your financial product end to end.
How we build compliance-ready financial software
Financial software has different physics. A dropped message is lost money, an unaudited state change is a regulatory finding, and downtime during a settlement window is a headline. We design for those realities from the first commit: double-entry ledgers as the source of truth, idempotent operations everywhere, immutable audit trails, and reconciliation against every external system you depend on.
Compliance is treated as a first-class requirement rather than a launch-week scramble. KYC and KYB flows, sanctions screening, transaction monitoring hooks, and regulator-ready reporting are designed into the architecture. We have shipped under real regimes — a nationally licensed tokenization platform in El Salvador and money movement for a regulated LATAM neobank — so we know what examiners actually ask for.
Why teams choose CodeDecoders
Speed with evidence. Our flagship settlement system went from concept to production in three weeks, and the El Salvador tokenization platform shipped in eight weeks under a national licensing regime with third-party audits by Hacken. We are fast because we reuse hardened patterns — ledger cores, orchestration, compliance boundaries — not because we cut corners.
We are a senior team in Ahmedabad, India, working together since 2021, and we work directly with founders and engineering leaders in the USA, LATAM, and beyond. There are no layers of account management: the engineers who design your system build it, run it, and answer for it. Timezone overlap is a scheduling detail we have handled for years, not a risk.
Engagement models
Three shapes fit most needs. Fixed-scope builds: a defined system shipped to production for a fixed price, best when you know what you need. Embedded team: our engineers extend yours for a monthly rate, owning subsystems end to end. Advisory: architecture reviews and audits of existing payment or ledger systems, typically one to two weeks with written findings.
Every engagement transfers ownership by default: code in your repositories, infrastructure in your accounts, runbooks your team can execute. Lock-in is a business model we chose against — we would rather earn the next engagement than hold the last one hostage. Most clients start fixed-scope and move to an embedded or retainer arrangement once the first system is live.
Where we go deepest
Stablecoin Payments
We design and build stablecoin payment infrastructure: cross-border settlement rails, merchant checkout, remittances, and on/off ramps. Our flagship settlement system went from concept to production in 3 weeks and has processed $100M+ in volume.
Agentic Payments
We integrate x402 and emerging agent payment standards (AP2, ACP, MPP) and build the stablecoin settlement layer underneath, so AI agents can pay for APIs, services, and each other with machine-speed finality.
Payment Rails & Ledgers
We engineer the core of money movement: double-entry ledger systems, payment reconciliation engines, and idempotent orchestration across banks, cards, and stablecoin rails. Built by the team behind an OTC operations platform that has tracked $3.4B+ across 20,000+ trades.
Backend
Web & mobile
Compliance
Infrastructure
Case studies from this practice
OTC Operations & Tracking Platform
The system of record around a multi-billion-dollar OTC desk: trade capture, position and flow tracking, reporting, and reconciliation views. More than $3.4B in volume tracked across 20,000+ trades since 2024.
Stablecoin Exchange Platform
A stablecoin exchange in public production: customers buy and sell USDC via bank transfer, with roughly 60-second processing and an itemized fee breakdown on every order.
Common questions
How much does fintech software development cost?+
It varies with scope, integrations, and compliance surface, so we quote fixed prices per milestone after a scoping call rather than publishing a rate card. As reference points, our production builds have ranged from a three-week settlement pilot to an eight-week licensed tokenization platform. Phased delivery keeps early spend small and evidence-based.
How quickly can you ship a production fintech product?+
Our fastest concept-to-production delivery was three weeks, for a cross-border settlement system now past $100M in processed volume. Most first production releases land within a few months, with the schedule driven more by partner onboarding and compliance scope than by engineering. We ship in milestones, so working software appears within weeks either way.
Do you work with startups or established companies?+
Both. Startups come to us to get a credible financial product live fast, often ahead of a license, a partnership, or a raise. Established companies bring us the systems their teams cannot prioritize: reconciliation, ledger migrations, new payment rails. The engineering standard is identical; only the engagement shape differs.
Can you handle regulatory and compliance requirements?+
We build the technical side of compliance — KYC and KYB, screening, audit trails, and reporting — and we have delivered under real regimes, including a national CNAD license in El Salvador. We are engineers rather than lawyers: we work alongside your counsel and compliance officers and implement what your regime requires.
What does your typical tech stack look like?+
TypeScript with Node.js or Go on the backend, PostgreSQL as the ledger and system of record, React and Next.js on the web, React Native or Flutter for mobile, and AWS for infrastructure. Stablecoin work adds EVM chains such as Base. We choose boring technology on purpose, because financial systems reward it.
Building fintech development? Let's scope it.
We scope engagements in days, not weeks. Send a few lines about your project and we respond within 24 hours.
Let's build something extraordinary together.
Free consultation·Response within 24h·No commitment
info@codedecoders.io