Digital wallet apps
Store balances, cards and passes with biometric unlock and secure token storage.
React Native · Fintech & Wallet · AI-First · Results-Driven
Fintech & Wallet AppsBuilt for Money, Secured for Trust
Short answer: Fintech and wallet app development builds secure iOS and Android apps for payments, accounts, balances and transactions, where strong authentication, encryption and secure design are the core requirement, not an add-on. Built in React Native, one codebase serves both platforms while reaching native secure storage, biometrics and device security features. These apps integrate regulated providers — banking, card-issuing and payment APIs — that handle money movement and compliance, so the app never stores raw financial credentials. Our Houston team designs, builds and maintains fintech React Native apps in-house.
Fintech & Wallet App Development in Houston
In a fintech app, trust is the product. Users hand over the most sensitive thing they have — access to their money — so biometric login, encrypted storage, session security and a clear, honest UX aren't features you bolt on later; they shape every screen. A wallet, a payments app, a budgeting or account app has to feel fast and simple on the surface while being rigorous underneath: secure token storage, certificate pinning, careful handling of every balance and transaction.
React Native fits because it reaches native security primitives — the iOS Keychain, Android Keystore, Face ID and fingerprint — from one codebase across both platforms, and we drop into Swift or Kotlin for anything the framework can't reach securely. Critically, we build fintech apps on top of regulated, PCI-compliant providers for payments, banking data and card issuing, so money movement and sensitive credentials live with the provider, not in your app. That keeps your compliance surface smaller and your users safer.
A Houston-based team gives you one group accountable for a domain where mistakes are expensive — from secure architecture and provider integration through launch and the ongoing updates security demands. We build the app, integrate the right regulated partners, and stay on to keep dependencies patched and the app hardened as threats evolve. Note that we build and secure the software; we are not a licensed financial or investment advisor, and regulated activities remain with your compliant provider.
What we cover
Types of Fintech Apps We Build
Payments & P2P transfer apps
Send, request and pay flows built on PCI-compliant payment providers.
Banking & account apps
Balances, statements and transactions via secure banking-data APIs.
Budgeting & personal finance apps
Account aggregation, spending insights and goals with read-only bank links.
Card & spend-management apps
Issued-card controls, limits and real-time transaction notifications.
Invoicing & business finance apps
Invoices, payment collection and reconciliation for small businesses.
Services
Fintech App Development Services
Secure, provider-backed fintech apps — where authentication, encryption and compliant integrations are designed in from the first screen.
Secure app architecture
Threat-modeled design with encrypted storage, secure sessions and least-privilege data.
Strong auth & biometrics
Face ID, fingerprint, MFA and secure token handling via Keychain and Keystore.
Payment & banking integration
PCI-compliant payments and bank-data APIs so credentials never live in your app.
KYC & onboarding flows
Identity verification and compliant onboarding through regulated providers.
Transaction & ledger UX
Clear balances, histories, receipts and states users can trust at a glance.
Security hardening & maintenance
Certificate pinning, dependency patching, monitoring and ongoing security updates.
Tools & platforms
The Fintech Stack We Build With
The exact toolset depends on your goals — these are the platforms we use most, and we work with whatever your team already relies on.
Core Framework
Auth & Device Security
Face ID / Touch IDiOS KeychainAndroid KeystoreMFAcertificate pinning
Payments & Banking
Identity & Compliance
Backend & Data
Build, Test & Ship
Chosen per project — not a fixed menu. Have a preferred tool or platform? We’ll work with it.
Built to last
Secure, Accessible & Built to Last
We build on modern, well-supported frameworks with security and accessibility baked in — dependency hygiene, input validation, HTTPS and WCAG-minded UI — so your product is safe and usable from day one.
You own all the code and assets. Everything ships with documentation and a clean handover, so your team (or ours) can maintain and extend it without lock-in.
Who we work with
Industries We Build For
20+ years across sectors — in Houston and internationally.
Transparent pricing
Estimate your project in seconds
Pick what you’re building for an indicative range, then request an exact quote. No email wall.
Simple prices for typical tasks
- MVP appfrom $15k
- iOS + Androidfrom $28k
- App + backendfrom $35k
- Care planfrom $1k/mo
Proof
700+ projects, 20+ years
See the products and growth work we’ve shipped across industries — and request a case study relevant to yours.
How we work
Fixed scope. Sprints. Working software.
- 01
Scope & fixed estimate
A short discovery call turns your idea into a clear spec and a firm range — free.
- 02
Design & architecture
UX, data model and stack chosen for your scale, not ours.
- 03
Build in sprints
Working software every 1–2 weeks — you see progress, not promises.
- 04
Launch & scale
We ship, measure and keep improving with care plans.
FAQ
Fintech & wallet app questions
How much does a fintech or wallet app cost?
Most fintech React Native apps land between about $30,000 for a secure MVP on top of a payments provider and $120,000+ for a full product with KYC, card issuing and banking data. One codebase serves both iOS and Android, avoiding two native builds. Use the estimator above for an indicative range, then book a free call for a firm quote.
What is a fintech or wallet app?
A fintech or wallet app is a mobile app for payments, accounts, balances or transactions where security and strong authentication are core to the design. It typically sits on top of regulated, PCI-compliant providers that handle money movement and sensitive credentials, so the app delivers a simple experience while the heavy compliance lives with the provider.
How long does it take to build a fintech app?
A secure fintech MVP typically ships in 2.5–4 months, since integrations and security testing add time over a standard app; a fuller product runs 5–8 months. We build in 1–2 week sprints with security reviews baked into each release.
How do you keep a fintech app secure?
We threat-model the design, store secrets in the iOS Keychain and Android Keystore, use biometrics and MFA for auth, pin certificates, encrypt data in transit and at rest, and keep dependencies patched. We also build on PCI-compliant payment and banking providers so raw financial credentials never live in the app itself.
Do you handle the money movement and compliance directly?
No — and that's by design. Money movement, card issuing and KYC run through regulated, licensed providers such as Stripe, Plaid or Marqeta, which hold the compliance. We build and secure the app that integrates them; we are not a licensed financial or investment advisor, so regulated activity stays with your compliant partner.
Can you add biometric and multi-factor login?
Yes. We implement Face ID and fingerprint unlock, secure token storage, and multi-factor authentication using native device security, so users get fast sign-in without weakening protection on a device holding their money.
Do you work with businesses outside Houston?
Yes. We are based in Houston, TX and have delivered 700+ projects internationally over 20+ years, working with local and remote teams across the USA and worldwide.
Do you offer fintech app development in Houston?
Yes. We are based at 9800 Richmond Ave in Houston (Westchase / Energy Corridor) and build fintech and wallet apps for Houston businesses locally as well as clients nationwide and internationally.
Build a fintech app users trust
Book a free consultation — we'll scope your build and give you an honest range.
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