Fintech software development teams that ship under SOC 2, not around it.
Hire dedicated senior fintech engineers from a staffing partner founded by a four-time founder. We have placed payments, lending, and core-banking engineers in the Philippines, including the teams behind Basys, a 20,000-merchant payment processor, plus PMI Rate Pro and LendingStandard. Pre-vetted, full-time, and ready in as little as 7 days.
“12 developers integrated in 5 days when our roadmap was on fire. They didn't need hand-holding on compliance.”
Not a dev shop building it for you. Your fintech team, building with you.
Most fintech software development companies quote you a six- or seven-figure fixed-bid project, build it behind a vendor wall, and hand it back. We staff dedicated senior engineers into your team. You own them, manage them, and keep them.
The turnkey vendor model
The big custom-software shops
- Fixed-bid project, scoped up front, priced in the hundreds of thousands
- Engineers walled off behind an account manager
- 30–40% overhead for layers you never meet
- Hand-off at the end, and the knowledge walks out the door
The Full Scale staff-augmentation model
Dedicated engineers, embedded in your team
- $35/hr fully loaded, scale up or down as the roadmap changes
- Engineers in your standups, Slack, repo, and roadmap
- No vendor wall and no PM tax, you manage them directly
- 93%+ retention means the engineers, and the knowledge, stay
Co-founded VinSolutions, the #1 CRM in the auto industry ($150M+ exit), and founded Stackify
Built by a founder who has shipped and sold real software
Full Scale was founded by Matt Watson, a four-time founder and CTO with 20+ years in software engineering. He co-founded VinSolutions, the #1 CRM platform in the auto industry, acquired for around $150 million, and founded Stackify, a developer-tools company he later sold. He also wrote Product Driven, the engineering-leadership method every Full Scale engineer is trained on.
Full Scale exists because Matt kept hitting the same wall as an operator: good products stall when you can't hire and keep good engineers. That is the problem we solve, and it is why we vet for the senior, product-minded engineers most staffing shops never find.
Engineers experienced across the fintech stack
We don't sell you a pre-built product. We staff engineers who have shipped in these domains before and know where the compliance landmines are.
Payments & wallets
Card processing, ACH, digital wallets, ledgering, and reconciliation built to clear an audit.
Lending & loan origination
Underwriting engines, loan origination and servicing platforms, P2P lending, and credit decisioning.
Core banking & neobank
Account systems, mobile banking apps, KYC and onboarding, and banking-as-a-service integrations.
RegTech & compliance
AML and CFT monitoring, audit trails, regulatory reporting, and controls engineered in from the start.
Fraud & risk
Real-time fraud detection, risk scoring, and machine-learning transaction monitoring.
Wealth & investment
Trading platforms, portfolio and PMS tools, robo-advisors, and market-data pipelines.
Engineers who have built under audit, not around it
Fintech doesn't forgive “we'll add security later.” Our engineers have worked inside regulated, audited environments and treat compliance as an architecture decision, not a checkbox at the end.
Fintech teams we've staffed
A full-time engineering team for a 20,000-merchant payment processor
Basys's CTPO had avoided offshore development after past bad experiences. A Full Scale team embedded on ERP and payment-system integrations (Epic, QuickBooks, Business Central) alongside Basys's 60+ in-house engineers changed his mind, with retention running years, not the 12 to 18 months he expected.
“It's like we get a full-time resource there, part of the team. That's something I would have never thought we'd see with a contracting company.”Chris Borchers, Chief Technology & Product Officer
Read the case study →Rebuilding the rate platform for private mortgage insurance
A dedicated team rebuilt the core rate-comparison engine and exceeded product-expansion goals with no hand-off gaps.
“They felt like our team, not a vendor.”Nomi Smith, CEO
Read the case study →Engineering capacity for a lending software platform
Senior engineers embedded with the in-house team to accelerate the lending workflow product without growing US headcount.
The fintech specialists on our bench
Backend engineers
.NET, Java, Python, Node
Payments integration
Stripe, Plaid, Marqeta, ACH
Fraud / ML engineers
Risk scoring, anomaly detection
Security engineers
AppSec, audit readiness
Mobile (banking apps)
iOS, Android, Flutter
DevOps / SRE
Azure, AWS, IaC, uptime
QA automation
Test coverage for money flows
Solutions architects
System & data design
The fintech stack our engineers work in
Backend
Frontend
Mobile
Data
Cloud & DevOps
Payments & data
Why most offshore fintech teams fail, and how to not be one of them
The mistake isn't going offshore. It's hiring the cheapest developer you can find and hoping compliance sorts itself out. I call that cheapshoring, and in fintech it's how you end up with a failed audit and a rewrite.
Money software is unforgiving. You need engineers who understand that a rounding error is a lawsuit and an unlogged transaction is a finding. That's a hiring bar, not a rate, which is the whole reason we accept under 3% of applicants and train every engineer on the Product Driven method.
From call to coding in as little as 7 days
- 1Tell us the fintech roles and stack you need
- 2We match pre-vetted engineers from our bench
- 3You interview and pick your team
- 4They start in your standups, repo, and roadmap
Fintech Software Development Services, answered
- Do your engineers understand financial compliance?
- Yes. We staff engineers who have built inside SOC 2, PCI DSS, and GLBA-governed environments and treat compliance as an architecture decision, not a checkbox.
- Is this a fixed-bid project or a dedicated team?
- A dedicated team. We are a staff augmentation partner, so you get engineers embedded in your team at $35/hr, not a turnkey project quote.
- How fast can a fintech team start?
- As little as seven days from the first call to engineers in your standups, drawing from a pre-vetted bench.
- Who owns the code and the IP?
- You do, from day one. Our engineers work in your repositories under your process.
Staffing engineering teams across every industry
Fintech engineering guides
Cheapshoring: why the cheapest developer costs the most
The offshore mistake that sinks fintech builds.
The Product Driven method
How we train engineers to think like owners.
What staff augmentation is
The model behind an embedded fintech team.
Insurance software development
Our sibling practice for insurtech and underwriting.