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Which of these situations sounds like you?

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Mobile access

You have a fintech product on the web, but users also need a mobile version for convenient access to their transactions

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Customer journey

You need a mobile channel for an MFI or lending service with a full service cycle: online application, scoring, contract signing, payout to card

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Data security

A mobile channel requires a particular approach to security, and you want confidence that data protection is implemented correctly

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Compliance

It's unclear how to technically implement regulatory requirements for security, activity logging, and user consent processes in a mobile app

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Due diligence

You're preparing for an investment round where the investor's technical partner will review the mobile app's architecture, security, and compliance

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Unfinished product

You have a working backend and admin panel, but need an app of proper quality to show investors and first clients

What makes Fintech Mobile App 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 Mobile App is built on our experience developing financial products. Compliance, security, and operational logic are embedded in a comprehensive system, tested across 15+ projects and ready for market launch.

What's included in Fintech Mobile App?

Module 1

Authorization and KYC onboarding

  • Registration and login: email, Google Sign-In, Apple Sign-In
  • Biometric authentication: Face ID and Touch ID
  • Gradual limit increases as verification progresses
  • Document scanning via camera: passport, ID card, tax ID
  • Selfie verification with liveness check
  • Integration with KYC providers: Sumsub, Onfido, BankID, Diia, or a local provider
  • Verification status tracking: from application to approval or rejection
Module 2

Financial functionality

  • Neobank or digital wallet: accounts and balances, multi-currency support, transaction feed with filters and search, P2P transfers, card management, payment receipts and PDF statements.
  • Lending service or MFI: online application, scoring, terms and amount/duration selection, automatic contract signing, payout to card or account, repayment schedule, top-ups and early payoff.
  • Investment or trading platform: real-time portfolio and balance, market quotes, asset buying and selling, analytics, price change alerts.
  • Insurance: policy catalog and calculator, issuance and renewal, claim requests, review statuses, documents and contracts.
Module 3

Security protection

  • Certificate pinning: protection against MITM attacks
  • Biometric authentication: Face ID or Touch ID as a primary factor or additional confirmation for critical operations
  • Root and jailbreak detection: blocks app launch on compromised devices
  • Sensitive screen hiding when taking a screenshot or switching between apps
  • Session management: automatic logout on timeout, control over active sessions and devices
  • Local data encryption: cached data on the device is inaccessible outside the app
  • Brute-force protection: limits on login attempts, account lockout on suspicious activity
Module 4

Compliance, notifications, and audit

  • Real-time push notifications for transactions, status changes, and events
  • SMS and email confirmation of operations (OTP) via Twilio, SendGrid, or a local provider
  • In-app consent requests: personal data processing (GDPR), terms acceptance, document signing
  • Audit log recording user actions as an immutable record for regulators
  • GDPR compliance: consent management, right to erasure, ability to download user data
  • Deep links and Universal Links for marketing campaigns and cross-service navigation
Module 5

UX and performance

  • Offline mode: balance and recent activity available without internet
  • Skeleton screens and optimistic UI: the interface responds instantly on slow connections
  • Haptic feedback and sound cues for transaction confirmation
  • Adaptive theme: light and dark, following system settings
  • Accessibility: support for Dynamic Type and VoiceOver / TalkBack
  • Multi-language support with localized currency, date, and number formats

What results will you get from Fintech Mobile App?

Flutter app on the App
Store and Google Play

A full mobile client for iOS and Android with native behavior. Publication on the App Store and Google Play is included in the project cost.

Security
documentation

Description of implemented security measures, basic penetration test results, recommendations for next phases. A ready-made package for your investor's technical partner.

Compliance
documentation

Description of KYC processes and the audit log, GDPR documentation, Data Flow Diagram (DFD) for regulators.

Flexibility in product development

You get access to the product's code via GitHub or another repository. No vendor lock-in: you can continue development with us or with another team.

Technical
documentation

Architecture overview, API documentation, deployment and support instructions. A new developer can join the project without involving the previous team.

Recommendations
for Phase 2

Suggestions and guidance on next steps for product development, based on feedback from your first users.

What Fintech product are you building?

Type 1

Neobank or digital
wallet

$18,000–28,000
9–12 weeks

A mobile client for accounts, cards, transfers, and payments: KYC onboarding, multi-currency support, limit management, transaction feed, PDF statements, push and OTP notifications.

Type 2

Lending service
or MFI

$15,000–22,000
8–11 weeks

A full mobile lending cycle: online application, scoring, terms selection, electronic signature, payout to card, repayment schedule, push reminders. KYC via Sumsub, BankID, or Diia.

Type 3

Investment or trading platform

$20,000–35,000
10–14 weeks

Real-time portfolio and balance, market data and quotes, asset buying and selling, analytics and charts, alerts for target prices and dividends.

Type 4

Insurance mobile
app

$15,000–25,000
8–12 weeks

Policy catalog and calculator, online issuance, digital signature, policy and claims management, review statuses, documents and support chat.

Type 5

Fintech Starter Kit
+ Mobile App

Parallel development

If you need more than a mobile client, a full stack: backend, admin panel, and mobile app developed simultaneously by one team. −10% on mobile.

Why FreshTech?

Traditional agency
FreshTech
Off-the-shelf SaaS
Experience and speed to launch
Lacks Fintech-specific experience for a fast start
15+ Fintech projects and deep industry expertise
Fast start, but templated functionality
Compliance
Needs time to research KYC providers and regulatory requirements
Hands-on experience with KYC providers and regulatory requirements
Regulatory requirements limited by the platform
Approach to security
Security measures aren't built into the product's architecture from the start
Security-first app architecture
Security level determined by what the platform vendor built in
Architecture flexibility
Generic architecture without Fintech-specific considerations
Customization to your operational processes and market requirements
Limited customization of business logic and compliance processes
Code ownership
Depends on contract terms, may require separate negotiation
Full code ownership
Code stays on the platform's side

What does this look like in practice?

case №1

Lending startup

Flutter Mobile 11 weeks

Request: a digital channel for an MFI with a full cycle: from online application and scoring to contract signing and payout to card.

Result: a Flutter app for iOS and Android, KYC via Sumsub, AI-assisted scoring based on bureau data, automatic signing via E-Sign, disbursement via bank API, repayment schedule, and push reminders.

case №2

Digital wallet

KYB + Payment Rails + Flutter 13 weeks

Request: a mobile wallet for B2B payments: multi-currency accounts, escrow, KYB verification.

Result: a Flutter app (iOS + Android) with KYB onboarding for legal entities, multi-currency accounts (UAH, USD, EUR), escrow logic, transaction feed, AML monitoring, and consent flows built for Ukrainian regulatory requirements.

case №3

Insurance Mobile

Compliance-ready 10 weeks

Request: a mobile channel for an insurance startup covering policy issuance, identity verification, and document management.

Result: a Flutter app with KYC, policy calculator and issuance, underwriting, claims management, consent flows built for NBU and insurance market regulatory requirements.

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

Preparing to raise investment for your Fintech product?

What an investor's technical partner checks:

Technical block:

  • Architecture

    Scalability, third-party service dependencies, justification for technical decisions

  • Code quality

    Structure, test coverage, documentation

  • Security

    Compliance with OWASP Mobile Top 10, penetration test results, protection against common vulnerabilities

  • Code ownership

    Rights allocation, presence of NDAs and IP transfer agreements with developers

Compliance block:

  • AML/KYC procedures

     Documented and technically implemented

  • Audit log

     Immutable, digitally signed record with sufficient retention depth

  • Data protection

    Compliance with GDPR or equivalent standards

  • Consent flows

    Confirmed user consent at every step required by regulators

What we provide as part of Fintech Mobile App:

  • Baseline security in line with OWASP Mobile Top 10
  • Basic penetration test before launch
  • Compliance documentation for regulators
  • Audit log with digital signature
  • Code ownership formalization
  • Documentation ready for tech DD

Frequently Asked Questions

What KYC system do you use?

The choice of provider depends on your market and budget. For Ukraine: Sumsub or BankID/Diia. For the EU: Sumsub, Onfido, or Veriff. For the US: Persona, Jumio, or Sumsub. If you already have an arrangement with a provider, we integrate it. If not, we recommend one and help set it up.

What's the difference between Fintech Mobile App and Fintech Starter Kit?
Can you connect to our existing backend?
We don't have a compliance officer, can you help us understand the requirements?
How much involvement is needed from our team?
Can we start with a minimal scope and expand later?

Building a financial product? Let's bring it to life together

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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