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Fintech software development company for platforms that move money

We plan, build and run exchanges, wallets, payment apps and financial platforms, with security designed in before the first line of code.

Book a call See our fintech work
Three financial products InApps built or runs: the FCCX crypto exchange app with a wallet balance and live prices, in front of the Impressions Debt Services website and Vleppo's legal template desktop app

Fintech clients and recognition

Fintech teams that build with InApps

Recognised by

Clutch4.9/539 verified reviews
  • Clutch Top Software Developers, Enterprise, Vietnam
  • Clutch Top Artificial Intelligence Company, Vietnam, 2025
  • Sao Khuê Award 2025, VINASA
Why fintech is different

In fintech, one weak flow puts every account at risk

Most software can ship now and fix later. A platform that moves money cannot.

01

Security has to be designed in

Fixing permissions and transaction flows after launch costs a rebuild, not a patch.

02

Regulators and partners want evidence

Licensing bodies, partner banks and enterprise buyers ask for the documentation, not just the code.

03

Every integration is a point of failure

Each payment, banking or identity connection is a place where money or data can go missing.

04

Fintech engineers take months to hire

Engineers who know payments and regulated delivery are scarce in the US, UK and Australia.

What we build

Financial software development for six kinds of product

Fintech software development services for startups, insurers, banks and consumer finance firms. Every one is financial services software development we have built or run.

Crypto exchanges and digital asset platforms

Crypto and fiat trading, wallets and live market data on web and mobile.

Read the case study: FCCX crypto exchange

Payment and personal finance apps

Payments, banking data APIs and secure account linking, with the compliance paperwork.

Read the client's review: digital financial platform, verified on Clutch

Fintech MVPs and mobile apps

A first release scoped to what investors, partners or a regulator need to see.

MVP development

Platform takeover and stabilisation

We take over a debt relief or consumer finance platform, stabilise it and keep it shipping.

Read the case study: Impressions Debt Services

Smart contracts and blockchain apps

Solidity contracts on Ethereum and the app your users touch.

Read the case study: Vleppo smart contract platform

Engineering squads for insurers and banks

Engineers for insurance software development and banking platforms, on your compliance standard from day one.

Read the case study: Prudential
Fintech case studies

Fintech platforms we have built and run

All case studies

Already running a financial platform nobody fully owns? Start with a code audit

See the code audit
Security and compliance

Security your auditors can check, not just a promise

Your compliance team sets the standard. We build to it, show it in writing and keep it there after launch.

Two InApps engineers at work in the Ho Chi Minh City office, the InApps logo on the glass wall behind them
Every engineer signs an NDA before joining your project.

  • ISO/IEC 27001:2022 certified

    Access, devices and data handling on your project follow an audited system.

  • Security in the architecture

    Permissions, transaction flows and data handling are designed before the build starts.

  • Pentest findings fixed, not filed

    When a pentest reports issues, we fix them and show you the change.

  • Compliance inside the workflow

    Audit-ready documentation and a compliance checkpoint in every release cycle.

How to work with us

Hire fintech developers, or hand us the whole platform

  1. 01

    Build it end to end

    Best for a new product or a rebuild

    Custom fintech software development, from roadmap to launch.

    Custom software development
  2. 02

    Get a dedicated team

    Best for a platform you keep building

    A long-term team on your product only, led by a technical lead.

    Offshore development center
  3. 03

    Add fintech engineers

    Best when your team is right but too small

    Backend, mobile, QA or DevOps engineers inside your squads.

    IT staff augmentation
How we work

Plan first, then build, then prove it is safe

3%

of applicants pass our technical, English and teamwork checks.

Roadmap or only an idea? Either is a fine place to start.

Book a call

  1. Plan

    Roadmap, scope and technology agreed before any code.

  2. Design

    Architecture, data model and UX, with every transaction path reviewed for security.

  3. Build and test

    Web and mobile in short iterations, with QA on every path that touches money.

  4. Harden and run

    Pentest fixes, store release, licensing support and ongoing releases.

Client reviews

What clients say about working with InApps

4.9/5 39 verified reviews on Clutch (opens in a new tab)
Fintech client

“They were responsive, proactive, and adapted quickly to our needs throughout the project.”

Nancy DaoNancy D Business Director, FinTech Company Digital financial platform design & development · Aug 2025
Read the full review on Clutch (opens in a new tab)

  • “Project management has been an 11/10. Always respond to my needs and questions in detail and deliveries have always been on time.”

    Margo FlanaganDirector, Two Raw Sisters · Clutch review (opens in a new tab)
  • 4.5 / 5 on Clutch

    “We were impressed by their willingness to overcome cultural challenges and deliver a product beyond our expectations.”

    Doug GullerFounder & CEO, BidBid · Clutch review (opens in a new tab)

  • “They provided a lot of new ideas to improve the app.”

    Emrah ErkGeneral Manager, Pegas Vietnam Travel · Clutch review (opens in a new tab)

  • “They don’t just build what you ask for. They think about the end result, and then go beyond it.”

    James FitzgeraldCTO, computer software company
FAQ

Questions fintech teams ask us

Not sure where to start?

Tell us what you are building. We reply with the questions that decide scope and timeline.

Book a call
What does a fintech software development company do?
A fintech software development company, also called a financial software development company, designs, builds and maintains software for financial products: exchanges, wallets, payment apps, debt relief and insurance platforms. InApps Technology, a software company in Ho Chi Minh City, Vietnam, built the FCCX crypto exchange and Vleppo's smart contract platform, and runs or staffs platforms for financial firms in the US and Singapore. Its information security is certified to ISO/IEC 27001:2022.
How much does fintech software development cost?
It depends on five things: how many platforms you need (web, iOS, Android), how many third-party integrations (payments, banking data, identity checks), how much compliance documentation your regulator or partners expect, the security testing required, and the size of the team. We agree a scope first, then give you an estimate against it.
How long does it take to build a fintech app?
Scope and integrations decide it, so we set the timeline in the plan stage, before any code is written, and commit to it there.
Can you work to PCI DSS, KYC/AML or data protection requirements?
Yes. Your compliance team defines the requirements and we build to them: access control, data handling, audit logs and the documentation your auditor asks for. Certifications such as PCI DSS or SOC 2 belong to your product and your company. InApps is certified to ISO/IEC 27001:2022 for its own information security.
Do you build crypto and blockchain products?
Yes. InApps built FCCX's crypto exchange with linked wallets on web, iOS and Android, and Vleppo's smart contract platform on Ethereum, written in Solidity, as one desktop app for macOS, Windows and Linux.
Can you take over a fintech platform another vendor built?
Yes. We stabilise it first, then clean up the architecture and put predictable releases in place, as we did for Impressions Debt Services. If you do not know what state the code is in, start with a code audit.
Can a team in Vietnam work for a fintech in the US, UK or Australia?
Yes. Vietnam is 6 to 7 hours ahead of the UK, so the London morning is the Ho Chi Minh City afternoon, and it shares most of the working day with Australia. For US clients the team works US hours, as it does for Impressions Debt Services in California.
Let’s build

Building a platform that moves money? Start with the plan

Tell us what you are building and where it stands. We come back with the questions that decide scope, security and timeline.

4.9 / 5 from 39 verified reviews on Clutch
No sales deck No discovery invoice Written role map within five days

Send us a project brief

The more of the shape you give us, the more useful the first reply is. If the answer is that you should hire locally, or that another firm fits better, we will say that instead.

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