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Which of these situations sounds like you?

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Fintech architecture

You're launching a neobank, digital wallet, or payment service and need an architecture that meets regulatory requirements
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Digitalization

You run a microfinance organization, lending service, or leasing company and want to move client onboarding and applications to a digital channel
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Regulatory requirements

KYC, AML, and compliance need to be built into the core of your product, but you're not sure how to implement this correctly on a technical level
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Unified system

You need a mobile app for clients and an operational dashboard for your team within a single system
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Due diligence

You're preparing for an investment round and need an MVP version with a clean architecture for technical audit
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Scaling

You're entering new markets and need an architecture that meets EU and US regulatory standards

What makes Fintech different?

Fintech products operate under strict regulatory requirements, mandatory user verification procedures, and elevated data security standards. These are baseline market needs that must be accounted for at the design stage, not added later.

Fintech Starter Kit is an architectural solution built on our experience developing financial products. Compliance, security, and operational logic are embedded into a system that has been tested on 15+ projects and is ready for market launch.

What's included in the Fintech Starter Kit?

Module 1

KYC / KYB onboarding

  • Online form for collecting client or business data with validation
  • Document upload: passport, tax ID, registry extract
  • Automatic/AI document verification
  • Liveness detection during user verification
  • Integration with KYC providers: Sumsub, Onfido, or a local provider
  • Verification stage tracking: from application to confirmation or rejection
  • Automatic client notifications at every step
  • Compliance dashboard for the officer: review queue, escalation, audit log
Module 2

Payment management

  • Integration with payment providers suited to your market
  • Real-time accounts and balances (multi-currency support as needed)
  • Payment acceptance: card transactions and bank transfers
  • P2P transfers between system clients
  • Client payouts: to card, to account, or via bank API
  • Escrow logic: freezing funds until conditions are met
  • Transaction limits (daily, monthly, by category)
  • Automatic generation of statements and receipts in PDF
  • Full transaction log with audit capability
Module 3

Compliance

  • AML screening: checking clients against sanctions and PEP lists
  • Suspicious transaction monitoring based on rules and machine learning
  • Suspicious Activity Reports (SAR) and internal escalation
  • User consent management in line with GDPR and contractual terms
  • Audit log of actions with a digital signature
  • Automatic regulatory reporting in formats tailored to your market's requirements
  • Automatic client risk scoring
Module 4

Client mobile app (Flutter, iOS and Android)

  • Authorization via email, Google, or Apple Sign-In with biometrics (Face ID / Touch ID)
  • Onboarding: from registration to account activation
  • Main dashboard: balance, recent transactions, cards, limits
  • Operations: top-ups, withdrawals, transfers, and payments
  • Transaction history with filters and search
  • PDF documents with digital signature: contracts, statements, and receipts
  • Protection: certificate pinning, root/jailbreak detection, and screenshot blocking
  • Push notifications for every transaction and status change
  • Offline mode: balance and recent activity available without internet
Module 5

Team admin panel

  • Client database: profiles, documents, KYC statuses, risk levels, notes
  • Transaction dashboard: search and filtering by any parameter
  • Compliance review queue: KYC verification, escalation, decisions, and comments
  • Real-time financial reporting: turnover, balances, payouts, and fees
  • Risk monitoring: suspicious clients and transactions in a separate queue
  • Roles and access: compliance officer, support, finance, CEO, and others
  • Impersonation mode: support staff can view the interface as the client sees it
Module 6

Security and DevSecOps

  • OWASP Top 10 compliance: protection against the most common vulnerabilities
  • Data encryption at rest and in transit (TLS 1.3, AES-256)
  • Secure password storage using bcrypt or Argon2
  • Rate limiting and protection against brute force attacks
  • Input validation and protection against SQL injection
  • Event logging and system monitoring via Sentry, Datadog, or similar
  • Automatic alerts when suspicious activity is detected
  • Basic penetration testing before launch
  • Backup and disaster recovery plan

What results will you get from implementing the Fintech Starter Kit?

A finished product
in production

A mobile app on the App Store and Google Play, along with an admin panel for your operations team, ready to onboard your first clients.

Basic technical
documentation

API documentation and developer instructions covering the product's architecture.

A Figma file
with the design

A complete set of screens and components, plus a design system that supports the product's further development.

Flexibility in
product development

Access to the product code via a GitHub repository, along with access to all services and providers. No vendor lock-in: you can continue development with us or with another team.

Recommendations
for Phase 2

Suggestions and advice on next development steps, based on feedback from your first users.

Which Fintech product are you building?

Package 1

Neobank
or digital wallet

$20,000–35,000
10–14 weeks

Accounts, cards, transfers, and payments, suitable for operating either with a license or through a partner bank. KYC onboarding, mobile app, and admin panel.

Package 2

Lending service or
microfinance institution

$15,000–28,000
8–12 weeks

The entire lending cycle in a mobile app: from online application and automatic scoring to signing.

Package 3

Payment platform
or PSP

$18,000–32,000
9–13 weeks

Payment acceptance, escrow, fund distribution, and payouts to vendors, whether as a built-in module for a marketplace or as a standalone payment product.

Package 4

Insurance
or WealthTech

$18,000–40,000
10–14 weeks

Digital onboarding for an insurance policy or investment account, portfolio management, payouts, documentation, and compliance with industry regulatory requirements.

Why FreshTech?

Traditional agency
Fintech Starter Kit
Off-the-shelf SaaS
Experience and speed to launch
Lacks Fintech-specific experience for a fast start
15+ Fintech projects and deep understanding of industry requirements
Fast start, but limited functionality
Compliance
Compliance is addressed only after the code is written
Compliance architecture is built in from the first sprint
Doesn't adapt to a specific market's regulatory requirements
Architecture flexibility
Generic architecture that doesn't account for Fintech specifics
Customization based on operational processes and market requirements
Vendor lock-in: dependent on the service's terms and pricing
Payment infrastructure
Limited experience with payment rails, escrow, and split payments
Hands-on experience with KYC providers, banking APIs, and payment rails
Only the payment providers built into the platform are available
Code ownership
Depends on contract terms, may require separate negotiation
Full access to the product code
Code remains with the platform

Tell us about your idea, and we'll help bring it to life

What does this look like in practice?

View all cases
case №1

Lending startup

Flutter Mobile+Compliance 11 weeks
A digital channel for an MFI covering the full cycle, from online application and scoring to contract signing and card payout.
A Flutter app for iOS and Android with KYC via Sumsub, AI-assisted scoring based on bureau data, automatic signing via E-Sign, disbursement through the bank's API, a repayment schedule, and push reminders.
case №2

Digital Wallet

KYB+Payment Rails+Mobile 13 weeks
A B2B digital wallet: multi-currency accounts, escrow, KYB verification.
KYB onboarding for legal entities, multi-currency accounts (UAH, USD, EUR), escrow logic, a mobile app and admin panel with AML screening, in compliance with Ukrainian regulatory requirements.
case №3

Insurance Mobile

Compliance-ready 10 weeks
A mobile channel for an insurance startup covering policy issuance, identity verification, and document management.
A Flutter app with KYC, a calculator, and policy issuance, underwriting, payout management, and consent flows, in compliance with NBU requirements and insurance market regulators.

Project implementation process

Fintech Discovery

An in-depth session covering product, market, regulator, business model, and technical requirements. We define the MVP scope, priorities, cost, and timeline. If you already have a Discovery Pack, we move straight to the next step.

Design and architecture

UX/UI design for the app and admin panel. Architecture: selecting the KYC provider, payment gateway, backend stack, and infrastructure. CI/CD setup.

Iterative development

Development in two-week sprints with feature demonstrations, so you can see progress along the way. Priority: KYC, authorization, business logic, payments, compliance.

Integrations and compliance

Integration of the KYC provider, payment gateway, and AML service. Setup of compliance processes and the audit log. Security testing and basic penetration testing.

QA, preparation, launch

Full functional testing. Preparation of App Store and Google Play listings. Compliance documentation for the regulator. Training for the operations team. Production deployment.

Preparing to raise investment for your Fintech product?

What an investor's technical partner checks:

Technical block:

  • Architecture
    Scalability, dependency on third-party services, justification of technical decisions
  • Code quality
    Structure, test coverage, documentation
  • Security
    OWASP compliance, penetration test results, incident response plan
  • Code ownership rights
    Distribution of rights, presence of NDAs and rights transfer agreements with developers

Compliance block:

  • AML/KYC procedures
    Documented and technically implemented
  • Audit log
    An immutable, digitally signed record with sufficient retention depth
  • Data protection
    Compliance with GDPR or equivalent standards
  • Incident response plan
    A documented process for actions in the event of a security breach

What we provide:

  • Architecture documentation
  • Security baseline
  • Audit log
  • Compliance processes
  • Code ownership documentation
  • Basic pentest

Frequently Asked Questions

We don't have a compliance officer, can you help us figure out the requirements?
We handle the technical side of compliance and know the typical requirements for Ukraine, the EU, and the US from previous projects. That said, we don't provide legal advice. The legal and regulatory side requires a qualified compliance consultant or legal counsel. If needed, we're happy to work alongside your lawyer.
Which KYC system do you use?
Is the Fintech Starter Kit suitable for a company that already has a product and wants to add a financial module?
Do you build only the mobile app, or the full stack?
How much involvement is needed from our team?

Have an idea? Let's bring it to life

We'll go over your project on a free 30-minute call and provide a preliminary estimate of cost and timeline.
contact-image
Serhii Kutyr, CEO

[email protected]

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