Services · Mobile app development · Fintech apps
Codeeo delivers fintech app development in New York for advisory firms, broker dealers, small business lenders, remittance and payment companies, and the startups clustered between Lower Manhattan, Midtown and Brooklyn. We build client onboarding, portals, wallets and staff workflow tools with New York's particular rules in view: Department of Financial Services licensing, its Part 500 cybersecurity regulation, the BitLicense for virtual currency, the SHIELD Act and the federal securities rules that govern how advisers and brokers keep records.
We do not have a New York office. Our team of 80+ works remotely with New York clients from Dubai, Riyadh and Karachi, with discovery, design reviews and demos held by video call. We have delivered 200+ projects across the UAE and the US.
200+ companies across the US and the UAEFrom a first store to a listed developer
What a New York fintech app can include
New York concentrates more financial regulation in one place than anywhere else in the country. A firm here may answer to the Department of Financial Services, the SEC, FINRA and federal banking agencies at once, and each looks closely at records, security and how clients are treated. Clients are just as demanding: a portfolio manager in Hudson Yards, a restaurant owner in Queens sending money abroad and a freelancer in Bushwick paying rent all expect an app that works first time.
The features below reflect both pressures. Cybersecurity controls answer Part 500, messaging archives answer securities recordkeeping rules, disclosures answer the state's commercial finance law, and language support answers one of the most multilingual customer bases anywhere. Few firms need all of them at once, and discovery decides which belong in the first release.
Multi factor authentication for every user with access to your systems, encryption, access privilege reviews, asset inventory and logging that support the Department of Financial Services cybersecurity regulation, as amended in 2023. We document controls so your CISO can sign the annual compliance filing with evidence behind it.
Security evidence ready for the annual DFS filing.
In app chat between clients and advisers or brokers, captured and retained in an archive that supports SEC and FINRA books and records rules. Regulators have fined many firms over business conducted on personal texting apps, so we keep client conversations in a channel your firm controls.
Advice stays on the record, off personal phones.
Account applications, suitability or investment profile questions, beneficiary forms and e-signatures in one flow, with identity checks, sanctions screening and a review queue for exceptions. Clients can pause and resume, and supervisors approve from a dashboard. Wire and transfer instructions collected later pass through the same verified, logged process.
New accounts open without couriered paperwork.
For lenders and brokers offering commercial financing, the app generates the disclosures New York's Commercial Finance Disclosure Law requires at the time of an offer, records when they were shown and stores the signed acknowledgment. Offer versions are kept, so you can show which terms a merchant saw on which date.
Required disclosures produced and logged automatically.
Digital wallet app development in New York often serves immigrant communities sending money home: balances, cross border transfers with clear fee and exchange rate disclosures, recipient management and cash pickup partners. Money transmission here needs a DFS license or a bank partner, and the ledger is built to support either.
Transfers customers can trust, with costs shown upfront.
Interfaces, notices and support content in Spanish, Chinese, Russian, Bengali, Korean, Haitian Creole or other languages your clients speak. We plan layouts for longer labels and different scripts from the start, and route legal text through professional translation and counsel review. Customers can switch language at any time from settings.
Clients complete tasks in their own language.
Incident logging, escalation paths and notification templates aligned to the SHIELD Act, DFS reporting duties and the SEC's amended Regulation S-P, which now expects investment firms to run an incident response program and tell affected customers promptly. Tabletop exercises can test the plan before launch.
A plan that works under pressure, not just on paper.
Queues for account reviews, transfers, exceptions, complaints and alerts, with supervisory sign off recorded for each action. Managers see workload by team, whether staff sit in Midtown, at home or in a back office elsewhere. Exports for internal audit and regulators come straight from the console.
Every action has a reviewer and a timestamp.
Many New Yorkers juggle high rent, irregular freelance income and several bills due in the same week. Apps for this audience combine bill scheduling, rent payment, early access to earned pay where a partner supports it and alerts before a balance runs low, with every fee shown before the customer confirms.
Customers see what is due and what it costs before they act.
If your app lets New Yorkers buy, hold or transfer virtual currency, DFS requires a BitLicense under 23 NYCRR Part 200 or a limited purpose trust charter. We build custody segregation in the ledger, transaction monitoring and the disclosures the regime expects, with New York access switched off until approval arrives.
Crypto features that wait for the license, then go live cleanly.
Who this is for
The New York financial world runs from global institutions around Wall Street and Park Avenue to two person advisory practices in Long Island City and community lenders in the Bronx. Financial services app development has to fit the firm's size and its regulators. Most of the New York companies that come to us fall into one of these four groups, each with a different first release and a different set of rules to plan around. The regulator matters more than the headcount.
Midtown and Lower Manhattan firms often run on a custodian, a CRM, a portfolio system and a lot of email. We build a client app with holdings, statements, document requests and archived messaging, and an adviser console for onboarding and service requests. Recordkeeping and supervision are designed in, so the app strengthens your compliance position rather than adding a new channel to police. Quarterly reports and tax documents land in the app automatically, and service requests such as address changes or wire instructions follow a verified, logged process that resists fraud.
Archived messaging is often the feature compliance asks for first.
Merchant cash advance providers, equipment lenders and brokers serving shops and restaurants across the five boroughs need quick applications, bank data connections and the state's commercial finance disclosures. We build application flows, offer screens with the required disclosures and a broker portal that tracks submissions, with every disclosure and acceptance timestamped. Renewal offers, collection notices and payment schedules are generated from the same records, so the file a regulator or investor reviews matches what the merchant was actually shown. Brokers see status at a glance.
Firms serving communities in Jackson Heights, Flushing, Sunset Park and Washington Heights need transfers that are fast, cheap to operate and clearly explained. Licensing with DFS, federal remittance transfer disclosure rules and sanctions screening all shape the product. We design flows in the languages your customers use and a compliance console that keeps alerts moving. Recipients abroad can be saved and verified once, receipts show the exact amount delivered, and customers can cancel within the window federal rules allow, all from the app rather than at a counter.
Startups in Flatiron, SoHo and Brooklyn often find that New York is the last and slowest state approval they receive. Our fintech app developers in New York build the controls, documentation and audit evidence DFS reviewers look for, and design the app so the rest of the country can launch first while New York waits for its license. That approach keeps revenue coming in from other states and gives DFS a working product with a real compliance record to review.
Plan for New York as a later switch on, not a launch blocker.
How we work together
Most advisory and lending firms start with a fixed scope first release covering a client app and a staff console, then keep improving it on a monthly retainer as rules, products and integrations change. Funded startups often choose a dedicated team that works alongside their own engineers through a licensing process. In each model your firm owns the code and the cloud environment from day one, and our access follows your security policies, including the access reviews Part 500 expects. Each sprint ends with a demo and a short written report, so compliance and business leaders follow progress without reading code.
A defined build with a deadline
We agree what the product has to do, write it down with a price and a date, and build exactly that. Changes are priced before they are made, not discovered on the invoice.
A product that keeps evolving
Named engineers who work your hours, join your standups and stay on the codebase. You direct the backlog; we own the quality of what ships.
Something live that needs looking after
A monthly block of hours for improvements, fixes and the small requests that otherwise wait months. Unused hours carry for a quarter.
Technology
Native iOS and Android or a cross platform framework, a secure backend with a ledger where money moves, and cloud hosting configured for logging, encryption and access control. We choose tools that fit your custodian, archive and payment providers and that your future engineers will know.
01Mobile
02Data and cloud
03Marketing and tracking
Licensing and integrations decide more of the schedule than design does.
A client portal for an advisory firm connected to one custodian and an archive moves much faster than a wallet that needs a DFS money transmitter license or a BitLicense. Security testing and evidence for Part 500 also take time. After discovery we agree a timeline based on your actual obligations and systems, and write the dates into the scope before design work starts. If a partner bank or regulator review is involved, we show which milestones depend on it, so nobody mistakes a waiting period for a delay in the build.
Schedule a free consultation and get a written recommendation, with costs, before you commit to anything.
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