Fintech Development Agency
Compliance-first fintech engineering — payments, KYC, ledgers, and regulatory-grade audit trails.
Fintech is engineered, not just coded. The cost of a bad architectural decision compounds across compliance, audit, customer trust, and regulator relationships. We build fintech that auditors approve of, regulators don't reopen, and your CFO can sleep behind.
The fintech problems we get called for.
The audit log is reconstructed from logs
When the FCA / BaFin / OCC asks for a transaction's full lifecycle, you're piecing together stdout from three services. That's not an audit log — that's a liability.
PCI scope ballooned
Card data is touching servers it shouldn't. SAQ-A became SAQ-D. Annual compliance cost just doubled.
KYC providers swapped out — broke the funnel
Veriff today, Onfido tomorrow, Sumsub next year. Without a clean abstraction the compliance team can't change vendor without an engineering project.
Reconciliation is overnight batch in 2026
Payments coming in via 3 PSPs, payouts via 2 more. Daily reconciliation is a Postgres script someone wrote in 2022 and nobody owns.
How fintech engineering should look.
Tamper-evident audit logs
Append-only, hash-chained, queryable by transaction. Pass an audit on first request, not first call.
PCI-conscious architecture
We design to keep you in SAQ-A scope wherever possible — Stripe Elements / Checkout, Adyen Components, never raw card data on your servers.
Pluggable KYC + AML
Clean abstraction over Veriff / Onfido / Sumsub / Persona / Trulioo with provider routing rules and shadow-test mode.
Real-time ledger
Double-entry accounting model, immutable journal, real-time balance computation. Reconciliation in seconds, not overnight.
Regulator-ready data exports
On-demand exports for FCA / BaFin / FinCEN-style requests, with metadata and chain-of-custody attached.
Encryption + key management
AWS KMS / HashiCorp Vault, field-level encryption, key rotation, BYOK for enterprise customers.
Outcomes, measured.
Battle-tested for fintech.
The capabilities behind the work.
SaaS Product Development
Zero to revenue. Multi-tenant architecture, billing, auth, dashboards, analytics — done properly.
API Integrations
Payments, identity, messaging, analytics — integrated with rock-solid reliability and clean abstractions.
Maintenance & Support
24/7 observability, SLAs, and partnership engineering so your product never sleeps.
Recent fintech engagements.
Common questions about fintech.
Have you built regulated fintech before?+
Yes. We've shipped cross-border payouts, lending platforms, and AML-heavy compliance tooling — including SOC 2-aligned architecture, FCA-style audit exports, and BaFin-friendly data residency.
Can you keep us in the smallest PCI scope?+
Almost always. We architect with Stripe Elements / Adyen Components / hosted checkout so card data never touches your servers, keeping you in SAQ-A. For PCI-required flows we document the boundaries explicitly.
Do you work with EU-based regulators (BaFin, AFM, AMF)?+
Yes — we've shipped systems audited against German, Dutch, and French regulator requirements. We understand SCC requirements, EU data residency, and the documentation expectations of each.
Do you have a SOC 2 type 2 report?+
Localhost Labs operates as a service provider, not a SOC 2-controlled entity. For your project we architect for your SOC 2 audit — your auditor reviews your controls, not ours. We also sign DPAs and provide MSA-grade evidence on request.
Building something in fintech?
30-minute scoping call. Concrete plan and fixed pricing in writing within a week.