We Are Monad

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Fintech app development that ships, and passes review

We Are Monad is a London agency that designs and builds fintech and regulated-industry apps in React Native and modern web stacks. We rebuilt Hubpay's cross-border money-transfer app and lifted positive app-store reviews by 40%, and we bring the same security, compliance and release discipline to every regulated product.

What regulated delivery needs

Regulated products fail on the details. We build those details in from day one.

KYC/AML and identity verification

Flows and integrations for onboarding checks that regulators expect, without breaking the user experience.

Secure authentication and device binding

Modern auth, encrypted storage and device-level controls built in from the first sprint, not bolted on later.

Audit trails and data residency

Full audit logging and UK/EU data residency, so you can answer a regulator's question with evidence, not guesswork.

Observability and incident response

Release management built for app-store review, plus monitoring and an incident process for when something goes wrong.

Proof: the Hubpay rebuild

Redeveloping Hubpay's mobile application to provide users with a modern, efficient, and secure platform for low-cost international money transfers.

  • Improved positive app reviews by 40%
  • Enhanced app performance leading to faster load times
  • Increased user engagement leading to a rise in transaction volumes
  • Streamlined maintenance and updates
Read the full Hubpay case study

Regulated AI, done carefully

AI features in regulated products need human-in-the-loop review, redaction of sensitive data, explainability and full logging. We design those controls in from the start, rather than adding them once a regulator asks.

Read our playbook on operationalising AI in regulated spaces

How a fintech project runs

1

Discovery

We map your regulatory requirements, existing providers and the specific risks your product carries.

2

Architecture & security review

We design the authentication, data and audit model before writing product code, and document the threat model.

3

Build in the open

Regular releases, visible progress and a design system approach that keeps iOS and Android consistent.

4

Launch & support

We manage app-store review, then stay on for monitoring, incident response and ongoing iteration.

Frequently asked questions

Yes. Hubpay's cross-border payments app was rebuilt in React Native with native modules where they mattered, sharing one codebase across iOS and Android without compromising security or performance.

Ready to talk about your fintech build?

Tell us about your product and the compliance you carry; we will tell you honestly what it takes to build it right.