How do you handle Plaid integration in a fintech MVP?

Plaid Link handles the bank connection UI. We integrate the Transactions API for pulling historical and real time transaction data, the Balance API for account balances, and webhooks for ongoing sync. The entire Plaid integration typically takes 2 to 3 days within our 14 day sprint. We have shipped Plaid integrations for expense trackers, lending platforms, and financial dashboards.

Is a 14 day fintech MVP secure enough for real money?

Yes, because we use third party processors (Stripe, Plaid) that carry the compliance burden for payment handling and bank connections. Your application never touches raw card numbers or bank credentials. We add encryption at rest, audit logging, role based access, and PCI aware architecture from day one. Several of our fintech clients have passed due diligence from VCs and financial partners using the security architecture we shipped in 14 days.

Fintech MVP

Fintech MVP Development
Bank Grade Security. 2 Weeks.

A fintech MVP handles real money, which means encrypted financial data, PCI awareness, and integrations with banking APIs from the start. We build expense trackers, payment platforms, lending tools, and financial dashboards with Plaid for bank connections, Stripe for payments, and Claude for intelligent transaction categorization. Ship in 14 days with bank grade security.

14 day delivery

Encrypted financial data

Full source code

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MVP Cost Calculator

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What Your Fintech MVP Includes

Production ready financial software with encrypted data, Plaid bank connections, and payment processing. Not a demo. A product that handles real money.

Plaid Link integration for connecting bank accounts and pulling transaction history

AES 256 encryption for all financial data at rest with isolated secrets vault

AI powered transaction categorization mapping to tax or business categories

Stripe or Polar.sh payment processing with subscription and one time billing

Financial dashboard with spending charts, category breakdowns, and trend analysis

Invoice generation and PDF export for accounting and tax reporting

SOC 2 aligned audit logging with user, action, timestamp on every data access

Automated alerts for low balance, unusual spending, and payment failures

Multi user access with role based permissions for team finance tools

Multi tenant architecture for B2B fintech platforms serving multiple companies

Real time transaction feed with search, filtering, and merchant enrichment

Regulatory reporting templates for PCI DSS awareness and financial compliance

Compliance and Security

Fintech products that cut corners on security don't survive due diligence. We build the technical safeguards that VCs and financial partners expect.

PCI DSS Awareness

We never store raw card numbers. All payment data flows through Stripe or Plaid, which handle PCI compliance. Your application touches only tokenized references, keeping you outside the full PCI audit scope while still offering a complete payment experience.

SOC 2 Aligned Architecture

Audit logging on every data access, encrypted secrets management, role based access controls, and infrastructure monitoring. We build the technical controls that your SOC 2 auditor expects to see, so certification is a documentation exercise, not a rebuild.

Data Encryption Standards

Financial data encrypted at rest with AES 256. All API communication over TLS 1.3. Plaid tokens stored in isolated secrets vault, rotated quarterly. Database backups encrypted with separate keys.

Fintech MVP, Fixed Price

$7,499

14 day delivery • Encrypted infrastructure • 30 day support

50% upfront, 50% on delivery • Complex builds from $12,999

Start Your Fintech MVP

See a Fintech MVP We Built

SpendWise: a Plaid integrated expense tracker with AI categorization that hit $8,500 MRR in 60 days. Monthly bookkeeping time dropped from 4 hours to 10 minutes.

Read the SpendWise Case Study