Banking • Payments • Lending • Wealth • Insurance

Finance Software Where Every Decimal Earns Trust

Money moves fast; your software has to move faster without ever getting it wrong. CodeChaps designs and engineers banking apps, payment rails, lending engines and wealth platforms with fraud intelligence, open-banking integrations and compliance designed in from the first sprint.

★ 4.9/5 from 550 client reviews Security-first engineering NDA from the first call

Trusted by startups, growing businesses, and enterprise clients worldwide

Theralieve Stablish Hibotalk Neon_Cow_Boys Eco Mobility Shozon Fiit Theralieve Stablish Hibotalk Neon_Cow_Boys Eco Mobility Shozon Fiit
Why it matters

In Finance, “Almost Right” Is Simply Wrong

A rounding error, a slow payment or a missed fraud signal costs more than money; it costs the customer's confidence. That's why we treat finance software differently: ledgers that always balance, payments that settle predictably, security that's tested rather than assumed and an audit trail for every action. The result is a product customers rely on and regulators can examine with ease.

  • Double-entry ledgers and precise money handling
  • Real-time fraud and risk scoring on every transaction
  • Open-banking, card and payment-gateway integrations
  • KYC, AML and data-privacy controls designed in
  • High-availability cloud built for peak trading days
0+ Man Years Experience
0+ Happy Customers
0% Customer Retention
0+ Years in Business
0+ Company Locations
What we build

Finance Solutions for Every Way Money Moves

From a neobank's first release to a lender's decisioning engine, we build the products, platforms and back-office tools that modern finance runs on.

Digital Banking & Neobanks

Mobile-first banking that opens accounts in minutes and makes everyday money tasks feel effortless, whether you're a challenger brand or modernising an established bank.

  • Digital onboarding & eKYC
  • Accounts, cards & statements
  • Transfers & bill pay
  • Card freeze & limits
  • Savings goals & pots
  • Core banking integration
Plan a banking app

Payments & Digital Wallets

Wallets, payment gateways and merchant tools that move money instantly across cards, bank rails and QR, with reconciliation that keeps finance teams sane.

  • Multi-currency wallets
  • P2P & QR payments
  • UPI, ACH, SEPA & card rails
  • Merchant onboarding
  • Payouts & split payments
  • Auto-reconciliation
Plan a payments product

Lending & Credit Platforms

End-to-end loan journeys for consumer, SME and BNPL lending, from application and scoring to disbursal, repayments and collections.

  • Digital loan applications
  • Credit-bureau & bank-data checks
  • Rules & ML decisioning
  • e-Sign & instant disbursal
  • EMI schedules & auto-debit
  • Collections workflows
Plan a lending platform

Wealth & Investment Apps

Investing made understandable: goal-based portfolios, robo-advice, SIPs and adviser dashboards that turn savers into confident investors.

  • Goal-based planning
  • Robo-advisory & rebalancing
  • Mutual funds & SIPs
  • Portfolio analytics
  • Risk profiling
  • Adviser & client portals
Plan a wealth app

Trading Platforms

Fast, dependable trading for equities, derivatives, forex and commodities, with live market data, smart order types and risk checks before every order.

  • Real-time quotes & charts
  • Order types & watchlists
  • Broker & exchange APIs
  • Pre-trade risk checks
  • P&L & tax reports
  • Price alerts
Plan a trading platform

Insurance Software

InsurTech that makes cover easy to buy and claims painless to file, with smart underwriting and agent tools behind the scenes.

  • Quote & buy journeys
  • Policy administration
  • Photo-based claims
  • Underwriting rules & AI
  • Agent & broker portals
  • Renewals & reminders
Plan an insurance product

Personal Finance & Budgeting

Apps that help people understand where their money goes by connecting accounts, categorising spend and nudging them toward better habits.

  • Account aggregation
  • Auto-categorised spending
  • Budgets & bill reminders
  • Subscription tracking
  • Net-worth view
  • Financial literacy content
Plan a budgeting app

Crypto & Digital Assets

Secure wallets, exchanges and tokenisation platforms built with custody, on-chain monitoring and compliance in mind.

  • Custodial & non-custodial wallets
  • Buy, sell & swap
  • Exchange order books
  • Smart contracts & tokens
  • On-chain AML screening
  • Multi-sig & key security
Plan a digital-asset product
How we help

End-to-End Finance Software Development Services

Strategy, engineering, integrations, security and support, delivered by one team that understands both code and compliance. Hover over or tap a service to see what's included.

We map the customer journey, the regulatory picture and the partners you'll need, from sponsor banks to KYC vendors, before scoping an MVP that can launch with confidence.

Product discoveryRegulatory mappingPartner selection

Customer apps, web portals and back-office systems with clear money journeys, accessible design and the polish people expect from a brand that holds their money.

iOS & AndroidWeb portalsBack-office

We wrap ageing core systems in modern APIs, migrate step by step to the cloud and retire mainframe-era bottlenecks, with zero-downtime cut-overs and parallel runs.

API layersCloud migrationMicroservices

Card issuing, payment gateways, account aggregation, credit bureaus and KYC providers, all connected through resilient, well-monitored integrations.

Open banking APIsGatewaysWebhooks

Fraud models, credit scoring, forecasting and AI assistants, built on clean data pipelines and designed to be explainable to customers and auditors alike.

Fraud detectionCredit scoringBI dashboards

Threat modelling, penetration testing, ledger reconciliation tests and load testing, plus round-the-clock monitoring once real money starts flowing.

Pen testingLoad testing24/7 monitoring

Your next growth engine starts with one honest conversation.

Tell us what you want to launch or fix. We'll outline the architecture, compliance considerations and a realistic plan, with a clear estimate and at no cost.

Book a Strategy Session
Proof in production

Platforms We've Built That Already Handle the Hard Parts

Paid memberships, multi-entity reporting and real-time notifications across iOS, Android and web: the same building blocks finance products depend on, already running in production.

CLUBIO · MEMBERSHIPS & DUES

300+ societies moved from spreadsheets to one platform

A full-stack community ecosystem for IncubeX Ltd, made up of a member app, Club Admin panel and Super Admin console, that replaced group chats and spreadsheets for memberships, dues, events and attendance.

  • Membership plans & dues
  • Role-based admin panels
  • Attendance & records
  • Multi-organisation accounts
300+societies onboarded
3role-based dashboards
For finance: recurring payments, permissioned admin access and clean, auditable records.
View Case Study
THERALIEVE · MULTI-LOCATION OPERATIONS

One network, 42 partner locations, 100k+ sessions

We turned nine lines of standalone machines into one connected network, with an IoT session layer, QR and PIN check-in, partner and super-admin consoles, and ML-driven recommendations.

  • Partner & super-admin consoles
  • Multi-location reporting
  • Secure PIN & QR check-in
  • ML recommendations
100k+sessions served
42partner locations
For finance: multi-entity dashboards, secure authentication and models that learn from customer history.
View Case Study
ECO MOBILITY · REAL-TIME, 24/7

Live status and instant notifications around the clock

A chauffeur-driven mobility platform with scheduled and advance booking, live trip management, instant status updates and round-the-clock assistance across iOS, Android and web.

  • Real-time status updates
  • Instant push notifications
  • Scheduled bookings
  • 24/7 in-app assistance
24/7live tracking & support
3platforms
For finance: transaction alerts the moment money moves, and support that never closes.
View Case Study
01 / 03
One platform, four views

Built for Customers, Operations, Risk and Leadership

Every team that touches the money gets its own tools, all working from one ledger, one customer record and one audit trail.

  • Onboarding & eKYC
  • Biometric login
  • Balances & wallets
  • Transfers & payments
  • Card controls
  • Spending insights
  • Invest & save
  • In-app support
FOR CUSTOMERS

Money, made simple.

Clear balances, instant payments and helpful nudges so customers trust you with more of their finances.

  • Customer 360 view
  • Application processing
  • Reconciliation
  • Refunds & disputes
  • Statements & fees
  • SLA tracking
  • Support ticketing
  • Workflow alerts
FOR OPERATIONS

Less busywork, fewer errors.

Automated workflows and a single customer view, so your team resolves issues in minutes rather than days.

  • Real-time fraud alerts
  • Sanctions & PEP screening
  • AML transaction monitoring
  • Case management
  • Regulatory reports
  • Full audit trail
  • Rules & limits engine
  • Maker-checker approvals
FOR RISK TEAMS

See risk before it costs you.

Every alert comes with context, every decision is logged and every report is ready when the regulator asks.

  • Revenue & growth dashboards
  • Portfolio & book health
  • Pricing & fee settings
  • Product configuration
  • Roles & permissions
  • Campaigns & offers
  • Forecasting
  • APIs & data exports
FOR LEADERSHIP

Decide with real numbers.

Live views of growth, risk and profitability, with the controls to launch new products without a code release.

Features

Features Customers Trust Their Money To

The building blocks of great finance products, configured for your market, your licences and your customers.

Digital Onboarding & eKYC

ID scan, selfie liveness and instant verification in minutes.

Biometric & MFA Login

Face ID, fingerprint, device binding and step-up checks.

Multi-Currency Wallets

Hold, convert and spend in several currencies with live FX.

Instant Transfers

P2P, bank and QR payments with saved payees and limits.

Bill Pay & Scheduling

Recurring payments, standing instructions and reminders.

Virtual & Physical Cards

Instant virtual cards, freeze, limits and spend categories.

Spending Insights

Auto-categorised spend, budgets and monthly summaries.

Loan Origination

Apply, get scored, e-sign and receive funds in one flow.

Investing & Portfolios

Funds, stocks, SIPs and goal tracking with clear performance.

Real-Time Alerts

Instant notifications for every debit, credit and login.

Statements & Tax Reports

Downloadable statements, certificates and tax summaries.

AI Money Assistant

Answers balance questions, explains charges and flags unusual spend.

Who we build for

Partners Across the Financial Ecosystem

Whether you hold a banking licence or are just applying for one, we adapt to your stage, your market and your regulators.

Banks & Credit Unions

Digital channels, core modernisation and branch-to-app journeys.

Banking

FinTech Startups

MVPs that launch fast on banking-as-a-service partners and scale cleanly.

Neobank

Lenders & NBFCs

Origination, decisioning, servicing and collections platforms.

Credit

Insurers & MGAs

Digital distribution, policy admin and claims automation.

InsurTech

Wealth Managers & Advisers

Client portals, robo-advice and portfolio reporting tools.

WealthTech

Payment Providers & Merchants

Gateways, wallets, POS and payout platforms.

Payments

Accounting & CFO Tools

Invoicing, expense management and treasury software for businesses.

B2B Finance

Digital-Asset Businesses

Exchanges, custody and tokenisation with compliance tooling.

Web3
AIChaps × Finance

Intelligence You Can Explain to an Auditor

Our AI team builds models that catch fraud sooner, lend more fairly and serve customers faster, with the governance, monitoring and human oversight finance demands.

Fraud detection

Behavioural and device signals scored in milliseconds, before money leaves.

Alternative credit scoring

Fairer decisions using bank-statement and cash-flow data, with reasons attached.

AML monitoring

Pattern detection that cuts false positives and prioritises real risk.

Document AI

Read payslips, statements and IDs automatically with confidence scores.

AI assistants

Customer and agent copilots grounded in your policies and products.

Forecasting & insights

Cash-flow, churn and portfolio forecasts that guide better decisions.

Why CodeChaps

Five Principles Behind Every Finance Product We Ship

Financial software is judged on the days that go wrong. These are the habits that make sure those days stay rare.

01

Precision before polish

Decimal-safe maths, double-entry ledgers and reconciliation tests on every release.

02

Security that's proven, not promised

Threat modelling, encryption everywhere, secrets management and independent penetration tests.

03

Compliance designed in

KYC, AML, consent and audit trails planned from the architecture stage, not patched in before go-live.

04

Uptime for the busiest day

Redundant, auto-scaling cloud and load tests sized for salary days, sales and market opens.

05

Your IP, your data

Full source code, documentation and data ownership, with an NDA signed before we see a single requirement.

Our process

From Idea to Regulated Launch in Seven Steps

Two-week sprints, working demos and security reviews at every stage, so there are no surprises at audit time.

  1. Discovery & Compliance Mapping

    Customer journeys, licences, partners and the rules that apply in each market.

  2. Architecture & Security Design

    Ledger, integrations, data flows and threat model agreed before code.

  3. UX Prototype & Testing

    Clickable money journeys tested with real customers for clarity and trust.

  4. Agile Development

    Apps, APIs and back-office tools built in two-week sprints with demos.

  5. QA, Pen Testing & Load Testing

    Functional, reconciliation, security and peak-traffic testing before release.

  6. Pilot & Go-Live

    Controlled pilot with limits, partner certification, then a phased rollout.

  7. Monitor, Support & Evolve

    24/7 monitoring, regular releases and new products on a stable core.

Standards & regulation

Engineered to Support the Rules Finance Runs On

We design data handling, controls and reporting to support the payment, identity and privacy frameworks that apply in your markets, and work alongside your compliance team and auditors.

Payments & cards
PCI DSSPSD2 & Strong Customer Authentication3-D SecureEMV tokenisationRBI payment guidelinesNACHA (ACH) rulesISO 20022
Identity & AML
KYC / CDDAML / CFTFATF recommendationsOFAC sanctions screeningFinCEN BSAFINTRAC (Canada)PMLA (India)
Privacy & security
GDPRCCPAIndia DPDP ActGLBASOC 2 controlsISO 27001 practicesOWASP MASVSSOX-ready audit trails
Technology

A Stack Chosen for Accuracy, Security and Scale

Proven, well-supported technology plus the finance-specific services your product plugs into, from KYC to card issuing.

Native & Cross-Platform Apps

Swift, Kotlin, Flutter and React Native with secure storage.

Ledger & Core Services

Java, Go and Node.js microservices with event sourcing.

Real-Time Streaming

Kafka and event-driven pipelines for payments and alerts.

AI & ML

Fraud, scoring and assistant models with monitoring and drift alerts.

Secure Cloud

AWS, Azure and GCP with multi-region failover and HSM-backed keys.

Security Tooling

WAF, secrets vaults, SAST/DAST scans and SIEM logging.

Open APIs

REST, GraphQL and ISO 20022 messaging for partners.

Blockchain (Optional)

Smart contracts, custody and tokenised assets.

Stripe Plaid Razorpay Adyen PayPal Wise Onfido Sumsub Twilio Verify Alpaca Chainalysis
Swift Kotlin Flutter React Native Spring Boot Go Node.js PostgreSQL Apache Kafka Redis AWS
FAQ

Frequently Asked Questions

As a starting guide, a focused MVP (for example a wallet or budgeting app with onboarding, payments and alerts) typically begins at around $5K–$10K. A full product with KYC, integrations, an admin panel and reporting is usually $10K–$30K, and larger platforms such as lending engines, trading systems or core modernisation start from $30K. A free discovery call gives you a firm estimate.

An MVP usually takes 4–6 weeks, a full-featured product 8–12 weeks and larger platforms 2–6 months. Partner certification (card schemes, banks or regulators) can add time, so we plan for it from day one.

We map the rules that apply in your markets during discovery and design the product to support them, covering KYC and AML flows, consent, data residency, audit trails and reporting. We work closely with your compliance team, legal advisers and auditors, who remain responsible for formal sign-off and licensing.

Through layers: encryption in transit and at rest, tokenisation of card data, strict role-based access, secrets management, secure coding practices aligned with OWASP, regular vulnerability scans and independent penetration testing before launch.

Yes. We usually start by wrapping existing systems in modern APIs, then migrate one capability at a time with parallel runs and reconciliation checks, so customers keep transacting normally throughout the move.

We favour explainable models, test for bias, keep humans in the loop for high-impact decisions such as credit and account closures, and monitor models in production for drift, with every prediction logged for review.

Three common ones: a fixed-scope discovery or MVP project, an end-to-end build-and-launch engagement, and a dedicated team that extends your in-house engineers on a monthly basis. We'll recommend the one that fits your stage and budget.

Yes. You receive the complete source code, documentation and DevOps setup, and all data stays yours. After launch we provide 24/7 monitoring, security patches, regulatory updates and new features.

Why Clients Value Our Partnership

Here's what our clients have to say about working with CodeChaps.

Hibo Mohamed

Hibo Mohamed

Owner, Hibotalk, Dubai
★★★★★
❝

CodeChaps is a team that can scale fast. You can rely on them for their technical skills. The management is willing to invest in the partnership and meet the requirements.

❞
Rajani Pancholi

Rajani Pancholi

Project Manager, AadiSwan, India
★★★★★
❝

They're very impressive and result-oriented people. CodeChaps is a highly skilled team, and their focus on delivery is exceptional.

❞
Kevin Lumbe

Kevin Lumbe

Product Manager, Theralieve, USA
★★★★★
❝

CodeChaps successfully launched multiple platforms, improving system stability and data accuracy. The team demonstrated strong project management and technical depth.

❞
Emilia Amandoron

Emilia Amandoron

Chief Marketing Officer, Theralieve, USA
★★★★★
❝

Codechaps have been responsive and collaborative throughout the projects we've worked on together. They have consistently assisted with website development, SEO-related initiatives, content creation, and technical updates as needed.

❞
Lou Von Bal

Lou Von Bal

Job Portal Website, Strategy Head, Philippines
★★★★★
❝

Codechaps excelled in efficiency, innovation, and quality. Their ability to deliver solutions quickly without compromising on creativity or standards sets them apart. The team demonstrated strong technical expertise, attention to detail, and a commitment to continuous improvement, making them a reliable and forward-thinking partner.

❞
Gary Cuccia

Gary Cuccia

Gary Cuccia Marketing & Partner Success Manager, Theralieve, Inc., USA
★★★★★
❝

We have had the pleasure of working with CodeChaps and their lead developer, Girish Nailwal, on the development of a highly customized POS platform integrated with credit card processing.

❞
Antony Mott

Antony Mott

Strategy Head, BLE device (Seeed MG24), USA
★★★★★
❝

I was highly impressed with Girish and his team’s ability to develop a fully functional BLE server (IoT device) and html client without the physical hardware in hand. We worked thousands of miles apart, yet he and his team built a robust simulation, demonstrating high-level expertise in BLE protocols

❞
Earl Loc Quiao

Earl Loc Quiao

Job Portal Website, Marketing Head, Metro Manila
★★★★★
❝

What impressed us most was their ability to combine technical execution with strategic thinking. Codechaps didn't just deliver what we asked for — they went beyond, anticipating challenges, suggesting smarter approaches, and aligning the technical build with our bigger business goals.

❞
Shushant Tyagi

Shushant Tyagi

Android Auto App, India
★★★★★
❝

Girish was amazing throughout the project, will definitely hire again!

❞
Hyge Zafra

Hyge Zafra

Job Portal Website, Marketing Head, Philippines
★★★★★
❝

Our overall experience with CodeChaps Technologies Pvt. Ltd. has been exceptional. From the very beginning, the team demonstrated a deep understanding of our project requirements and provided valuable insights that helped us refine our vision.

❞
BayaniKo

BayaniKo

BayaniKo, Philippines
★★★★★
❝

Awesome app with cost-effective solutions that helped publish our start-up app BayaniKo! Will definitely recommend to others as they have been helpful all the way!

❞
Jared East

Jared East

Stablish, Founder, USA
★★★★★
❝

CodeChaps has successfully delivered an app that meets all expectations,. The team is efficient, communicative, and adaptive. They deliver on time and stand out for their development skills, quality of work, and professionalism

❞

Akanksha Mishra

IOS Native SDK Integration, India
★★★★★
❝

It was a pleasure working with Girish and his team. They consistently delivered on time and provided excellent support throughout the entire product development journey.

❞

Mathew Bob

Crestwood Advisory, USA
★★★★★
❝

Thanks to Codechaps' efforts, the client increased revenue by 30%, reduced processing time by 20%, and improved customer satisfaction. The team was highly responsive, always adjusting when necessary to meet the client's evolving needs. Their commitment to quality and customer satisfaction stood out.

❞
Adam Zak

Adam Zak

Strikescorepro App, USA
★★★★★
❝

Girish has been great to work with so far, very diligent and always following through. We still have ways to go on the project but so far so good.

❞

Shriniwas Avasthi

Pandit Ji Consultation App, Founder, India
★★★★★
❝

Mr. Girish & team is exceptional they stood by their commitments. From the very beginning, they demonstrated a deep understanding of the project requirements and delivered results that far exceeded expectations. Their communication was prompt, clear, and respectful throughout the entire process. What truly sets Girish apart is their attention to detail, creative problem-solving, and commitment to quality.

❞

Clubio

Dhaka
★★★★★
❝

They are a professional team and company. They worked very well on my project, and I am happy with their suggestions about the product. They are highly skilled, and I hope we will continue to do great work together.

❞

Let’s Connect

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india

Noida, India

  • call
    +91-7982980354
  • mail
    Sales@codechaps.com
  • location
    106, First Floor, H-207, ILD Business Center, H Block, Sector 63, Noida, Uttar Pradesh 201301
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  • call
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  • mail
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  • location
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canada

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  • call
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  • mail
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  • location
    33 Brandon Gate Dr, Mississuaga, L4T 3J7
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