Services · Mobile app development · Fintech apps
Codeeo handles fintech app development in the USA for founders, lenders, payment companies, wealth firms and community institutions. We design and build digital wallets, lending apps, payment tools and investment portals, together with the operations console and compliance plumbing behind them. Every build is shaped around the rules a US financial product actually answers to: federal consumer finance law, state money transmitter licensing, sponsor bank requirements and card network standards, so the product your customers enjoy is also one your compliance officer can defend.
Our team of 80+ works remotely with US clients from Dubai, Riyadh and Karachi, and we run discovery, design reviews and sprint demos by video call. Across 200+ projects delivered in the UAE and the US, we have learned to treat regulation as a design input from the first workshop, never as a list of fixes before launch. Our fintech app developers work alongside your counsel and compliance lead, not in place of them.
200+ companies across the US and the UAEFrom a first store to a listed developer
What a US fintech app can include
A US fintech product almost never stands alone. Behind a simple balance screen there is usually a sponsor bank or your own licenses, a payment processor, an identity vendor, a ledger and a team that reviews alerts and complaints. Regulators and bank partners look at all of it, and an examiner will ask how a customer's money moved, who approved an account and where the record of a dispute lives.
We build each layer so those questions have clear answers. The parts below can be combined for a consumer wallet, a small business lending app, an advisory portal or an earned wage product. Digital wallet app development, for example, leans on the wallet, rails and ledger layers far more than on lending. Most first releases use five or six of them, chosen in discovery around your licensing path and what your bank partner expects to see before it lets you go live.
Customer identification steps that satisfy the Bank Secrecy Act program you or your sponsor bank runs: document capture, selfie matching through your chosen identity vendor, OFAC sanctions screening and a manual review queue for edge cases. Eligibility rules block sign ups from states where you are not yet licensed or covered.
Accounts open quickly, and every approval leaves an explainable trail.
Balances, peer transfers, spending controls and card provisioning to Apple Pay and Google Pay for cards you issue through a partner. Funds flow is mapped against your bank's account structure, often a pooled for benefit of account, so the app never shows money the ledger cannot back.
Customers see balances that match what the bank actually holds.
ACH under Nacha operating rules, Same Day ACH, instant payments over RTP or FedNow where your bank supports them, and push to debit card transfers. Each transfer carries a status customers can follow, and returns, reversals and holds are handled in code rather than by email.
Fewer support tickets asking where a payment went.
A double entry internal ledger that reconciles against bank and processor files every day. Regulators have paid far closer attention to custodial account records since several middleware providers failed, and a clean ledger is now one of the first things a sponsor bank asks to see.
Every customer dollar can be traced to a bank record.
Applications, underwriting rules you control, Truth in Lending disclosures, adverse action notices under the Equal Credit Opportunity Act and the Fair Credit Reporting Act, repayment schedules, autopay and hardship options, all built with servicing in mind from the first release.
Disclosures are generated by the system, not pasted in by staff.
Case handling for card chargebacks and for the error resolution timelines Regulation E sets on electronic fund transfers. Each case records when the customer reported it, what was credited provisionally and how it closed.
Deadlines are tracked by the system rather than remembered.
Connections through data aggregators for account verification, balance checks and income data. We keep this layer loosely coupled because the federal open banking rule is being rewritten, and aggregator pricing and coverage keep shifting, so the app can switch providers or data methods without a rebuild.
Your product adapts as the data access rules settle.
Role based admin for support, risk and compliance staff: transaction monitoring alerts, case notes, a handoff for suspicious activity reporting, complaint logging and an audit trail of every staff action on a customer record.
Your team works from one record instead of scattered tools.
Monthly statements, tax forms where your product needs them, privacy notices, change in terms notices and real time alerts for deposits, large transfers and new logins. Every notice is stored with the version the customer received and the date it went out, so you can prove delivery when a complaint or exam asks for it.
Required notices go out on time, with proof kept.
Multi factor authentication, encryption in transit and at rest, card data tokenized to keep PCI DSS scope small, and an information security program shaped around the FTC Safeguards Rule for non bank firms or the interagency guidelines for banks.
Security reviews start from evidence, not promises.
Who this is for
The right build depends less on the feature list and more on how your company is allowed to hold and move money. A product launched on a sponsor bank, one run under your own state licenses and one built by a bank for its own customers carry different obligations, different review steps and different launch sequencing. These are the four situations US clients most often bring to us, with the way we usually approach each. Financial services app development for an established firm looks very different from a startup's first launch, and we scope accordingly.
Banking as a service lets you offer accounts and cards under a partner bank's charter, but the bank owns the compliance outcome and will review your onboarding, monitoring and complaint handling before launch and on an ongoing basis. Since federal regulators issued consent orders to several partner banks, those reviews have become stricter. We build the evidence the bank asks for into the product, from approval logs to reconciliation reports, so diligence does not stall your release.
Plan for partner diligence as a project phase, not a formality.
Holding customer funds or transmitting money usually means a money transmitter license in each state where you serve customers, applied for and maintained through NMLS. Many states have now adopted the Money Transmission Modernization Act, which brings requirements closer together, though not identical. We design state level controls so you can launch in licensed states and switch others on as approvals arrive, without shipping a new app version.
Launch state by state from one codebase.
Community banks and credit unions often want a modern account opening flow, a small business portal or a lending app that their core processor does not provide. We build on top of your core and existing vendors, follow your vendor management and model risk processes, and document the work in the form your examiners expect to read. Where a core processor limits what can change, we work at the edges through its APIs and a separate customer data layer, so members get a modern experience without a risky core conversion.
Wealth managers, insurance agencies and specialty lenders with clients in many states need onboarding, document collection and client portals that respect each state's rules on disclosures and privacy. We build one product that adjusts copy, forms and consent steps by the client's state of residence, so staff stop maintaining separate processes for each region.
How we work together
Most US clients begin with a fixed scope first release covering one product and its operations console, then move to a monthly retainer for new states, features and partner requests. Companies with a long roadmap sometimes take a dedicated team that stays with the product. In every model you hold the repositories and cloud accounts from the first day, and our engineers work inside your controls rather than around them.
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 for the customer app, a typed backend with a double entry ledger, and cloud hosting configured for financial workloads. Final choices follow your bank partner's requirements, your vendors and the team that will maintain the product. We avoid exotic tools a future in house team would struggle to hire for.
01Mobile
02Data and cloud
03Marketing and tracking
It depends mostly on licensing, partner diligence and integrations, not on screen count.
A wallet or lending app on a sponsor bank that already has a vetted program moves faster than one waiting on state licenses. Partner bank reviews, vendor contracts and identity vendor setup often decide the launch date more than code does. We agree a timeline after discovery, once the licensing route, partner and integrations are clear, and we put the dates in the written scope.
Schedule a free consultation and get a written recommendation, with costs, before you commit to anything.
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