We build payment apps, wallets, savings and lending products for founders in the US, UK and EU. The money logic is engineered by hand, tested against real edge cases, and owned by you.
A fintech product is a ledger with a user interface on top. If the ledger is wrong, nothing else matters. Balances that drift, refunds that pay out twice and transactions with no audit trail are the faults that end a fintech startup, and they never show in a demo.
appico is an AI-amplified product agency based in India, working with founders and businesses in the US, UK and EU. Our own product GoldKitty is gold savings software for jewellers, so recurring deposits, instalment tracking and reconciliation are familiar ground. AI speeds up our scoping, concepts and front-end. Architecture, integrations, security and hardening stay with senior engineers. Builds are fixed scope and milestone-paid: an MVP from $10,000, a mobile app from $12,000. Source code, hosting and provider accounts are in your name from the first day.
Peer-to-peer transfers, top-ups, QR payments and transaction history built on licensed payment providers.
Recurring deposits, goal tracking, maturity rules and statements, drawing on what we learned building GoldKitty.
Application flows, document capture, repayment schedules and collections dashboards.
Accounts, cards and spending insights on top of a banking-as-a-service partner.
Quote, purchase and claim journeys with document upload and status tracking.
Tools for your finance team to match provider reports against your own ledger every day.
The standards that usually apply in the US, UK and EU. We build to the ones your product needs and tell you plainly which those are.
Sets the rules for handling card data, and using a provider's hosted fields or SDK keeps card numbers off your servers and reduces your scope.
In the UK and EU, most online payments need two-factor authentication, which changes checkout and login flows.
Identity verification and transaction monitoring are required for most money products, usually delivered through a specialist provider.
Financial data needs a lawful basis, retention rules and a process for access and deletion requests.
Whether you need your own licence or can operate under a partner's depends on your model and should be confirmed with a lawyer.
We start with the regulated partner: which provider moves funds, which handles identity checks and what they require from your product.
Every transaction type is written down with its reversal, refund and timeout behaviour before a screen is drawn.
AI-assisted front-end gets you a staging link by day 3. Engineers wire payments, webhooks and identity checks in test mode.
We run test transactions end to end and match every one against provider reports. Launch is followed by a 14-day bug-fix window.
Payments are where cheap builds quietly break. You need written rules for who gets what back, and when, before development starts.
Provider dashboards show their view. Without your own double-entry record, you cannot explain a disputed balance to a customer or an auditor.
Payment confirmations arrive late, twice or not at all. Code that assumes one clean callback will credit accounts wrongly.
If your model does need its own licence, approval takes time that no agency can compress. Check this before you set a launch date.
An MVP on a licensed payment provider starts from $10,000 and a mobile app from $12,000. Identity checks, multiple currencies, lending logic and back-office tools add to that. We quote a fixed scope with milestone payments. Provider fees and any licensing costs are separate and paid directly by you.
Not always. Many products launch under a regulated partner's licence, using their accounts, cards or payment rails. Whether that works for you depends on your model and your market. We can map the technical options, but the licensing question itself needs a financial services lawyer in your launch country.
A well-scoped MVP can be ready in about 7 days, and you see a staging link by day 3. Going live with real money usually takes longer, because payment and identity providers run their own approval process. We build in sandbox mode while that approval is in progress.
We choose the provider to fit your market and model, not the other way round. The questions that matter are which countries it supports, whether it handles payouts as well as payments, and what it charges. All provider accounts are opened in your company's name, never ours.
Card data stays with the payment provider. Your system stores tokens, not numbers. Beyond that we use encrypted storage, role-based access, audit logs on every money movement and rate limits on sensitive endpoints. Security and hardening are done by engineers by hand. It is not a step we hand to AI.
No. We are a product agency that designs and builds software. We do not hold client funds, give financial advice or claim any certification. Your regulated partners and your legal advisers cover those roles. Our job is to build a product that meets their technical requirements and that you fully own.