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Financial Technology
Compliant, secure fintech products launched in 4 weeks.
Build payment platforms, banking software, investment tools, and financial automation products with the security, compliance, and performance that financial applications demand.
Choose Your Tier
All tiers ship a fully production-ready product. Choose based on your current stage, compliance needs, and growth ambitions.
Core payment or financial workflow with secure, compliant infrastructure.
4 – 6 weeks
Full financial platform with banking integrations and compliance workflows.
8 – 14 weeks
Enterprise-grade financial infrastructure with full regulatory coverage.
Custom timeline
Overview
Fintech is unforgiving — a single security lapse or compliance gap can end a company. At ZIRA, we have built payment processors, lending platforms, investment dashboards, and banking APIs for companies ranging from early-stage startups to established financial institutions.
We understand PCI DSS requirements, KYC/AML workflows, banking API integrations (Plaid, Stripe, Dwolla), and the performance expectations of financial-grade software. Our fintech MVPs are not demos — they are production systems capable of processing real transactions from day one.
Every fintech product we build starts with a compliance-first architecture review. We define data flows, identify regulatory requirements, and make the right infrastructure decisions before writing code. The result is a product that can scale without needing to be rebuilt from scratch when your compliance obligations grow.
Tech Stack
Use Cases
Every Package Includes
How We Work
We identify your regulatory environment (PCI DSS, BSA/AML, state money transmitter laws), map data flows, and architect a compliant foundation before any UI or backend code is written.
We select and design the right payment rails (Stripe, ACH, Plaid, Dwolla) for your use case and produce integration specifications before development begins.
Isolated production environment, encrypted database, secrets management, network segmentation, and logging configured to financial-grade standards.
Payment flows, wallet or account management, transaction history, and dashboard built in weekly sprints with a live staging environment for your review.
OWASP review, penetration testing on all payment endpoints, fraud rule testing, and a complete security audit before any real financial transactions.
Production deployment, monitoring, alerting, and delivery of security documentation including data flow diagrams, access control policies, and incident response procedures.
Why ZIRA
Security and compliance built in from the start — not retrofitted
Payment integrations handled by engineers with production fintech experience
Fraud and risk controls included in every tier
Scalable transaction architecture that handles growth without re-architecture
Full code ownership — no dependency on third-party fintech platforms
Faster time to market without skipping compliance obligations
Real-time financial dashboards for operations and compliance teams
Documentation package that satisfies regulatory and investor due diligence
Questions
We build PCI DSS-aware architectures that minimize your compliance scope. By using Stripe Elements or Plaid for card and bank data capture, cardholder data never touches our servers, which significantly reduces your PCI DSS obligations.
Yes — we have production experience with all three. Plaid for bank account linking and transaction data, Stripe for card payments and subscriptions, Dwolla for ACH transfers. We select the right combination for your specific product and jurisdiction.
We integrate with identity verification providers (Persona, Jumio, Onfido) for document verification and liveness checks. KYC workflow complexity depends on your regulatory requirements and is scoped during discovery.
Card payments (Stripe), ACH (Stripe, Dwolla), RTP / FedNow instant payments, wire transfers, and basic cryptocurrency integrations. The right rails for your product are selected during the architecture review.
We can build the technology platform for a money transmitter-regulated product. Licensing and regulatory applications are your responsibility, but we can design the system to satisfy typical regulator technical requirements.
Ready to Build?
Book a free discovery call. We will scope your product, confirm the right tier, and send a written proposal within 48 hours.