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
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.
How a fintech project runs
Small phases, security and compliance designed in from the start, and a working product before the big-bang launch.
Discovery
We map your regulatory requirements, existing providers and the specific risks your product carries.
Architecture & security review
We design the authentication, data and audit model before writing product code, and document the threat model.
Build in the open
Regular releases, visible progress and a design system approach that keeps iOS and Android consistent.
Launch & support
We manage app-store review, then stay on for monitoring, incident response and ongoing iteration.
Fintech app development: common questions
The cost depends on the product, the integrations and the security and compliance work involved. We scope and price each phase before it starts, so you can stop after any phase. The first call is free and gives you a rough range for the work.
We agree a delivery schedule after reviewing the scope and existing providers. Banking integrations, compliance review and app-store approval affect the timeline. Our Hubpay rebuild took six months; your schedule is based on your product rather than a fixed promise.
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.
We design for it from the first sprint: secure authentication, encrypted storage, audit logging, UK/EU data residency, dependency scanning and a documented threat model, then support your compliance team through review.
Yes. We integrate with payment rails, KYC/AML providers, open-banking APIs and core banking systems through their documented APIs, and we build fallbacks and monitoring around each one.
Yes, with controls: human review, redaction of sensitive data, explainable outputs and full logging. We will tell you where AI helps and where a deterministic rule is safer.
We are a small senior team in London. The people who scope your project are the people who build it.
Ready to talk about your fintech build?
Tell us about your product and the compliance you carry. In one free call we will tell you honestly what it takes to build it right.
No commitment. Honest answer either way.