Financial Software Development Services

Code Brew Labs is a leading financial software development company behind regulated fintech software across the GCC. We design banking, payments, and investment platforms engineered to pass SAMA, CBUAE, and DFSA reviews.

Book a Meeting See Our Fintech Portfolio
SAMA and CBUAE compliance-ready PCI-DSS compliance ready ISO 27001 & SOC 2 compliant
Banking dashboards open on a laptop and a phone beside a payment card, held by a banker under an arc reading GCC banking, with PCI DSS, ISO 27001, SOC 2, and AES-256 marked along the base
Delivered for

Why Businesses Choose to Build With Us

60+Payment, banking, & open-finance integrations
350+AI Engineers
13+Years of Experience
100%Focused on GCC regulatory readiness

Solutions

Fintech Solutions We Build, From a Single Wallet to a Full Digital Bank

Each category holds products we have already delivered to production for a real client under a real regulator.

01 / 07

Payments and Wallets

6 products
  • Digital wallet solutions
  • Mobile banking app development
  • Neobank and digital-bank platforms
  • POS and payment acceptance
  • Remittance and cross-border payment apps
  • BNPL (Buy Now, Pay Later) platforms
Book Free Demo

02 / 07

Lending and Credit

4 products
  • P2P lending application development
  • Digital lending and loan management
  • Alternative-data credit scoring
  • EMI and repayment tracking
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03 / 07

Wealth, Trading, and Capital Markets

5 products
  • Forex trading app development
  • Investment and stock trading platforms
  • WealthTech and investment management
  • Robo-advisory platforms
  • Personal finance management apps
Book Free Demo

04 / 07

Crypto, Blockchain, and Web3

4 products
  • Crypto exchange development (CEX and DEX)
  • Multi-chain crypto wallets
  • Asset tokenization and RWA
  • Stablecoin and digital-asset development
Book Free Demo

05 / 07

Insurance (Insurtech)

4 products
  • Insurance software development
  • Mobile insurtech apps
  • Policy and underwriting platforms
  • Claims automation
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06 / 07

Compliance, Security, and RegTech

4 products
  • Shariah-compliant fintech development
  • RegTech and compliance automation
  • Cybersecurity for fintech apps
  • KYC, AML, and sanctions screening
Book Free Demo

07 / 07

AI for Finance

4 products
  • Sovereign AI for fintech
  • Arabic-first conversational agents
  • Fraud detection and AML monitoring
  • AI financial dashboards
Book Free Demo
Category 01 of 07

Start

Have a product in mind?

Bring the idea and the market to us. We bring the architecture, the compliance map, and the team that has built it in the Gulf before.

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Portfolio

Fintech Products We Have Delivered

Alfardan Exchange

Remittance · UAE

Digital Remittance for the UAE

Alfardan Exchange is an established UAE money-exchange and remittance name, moving funds for residents sending money across the region and home.

Remittance customers judge an app on two things; speed and trust. Alfardan needed a digital channel that could clear international transfers in seconds, hold up under UAE Central Bank scrutiny, and stay reliable as volumes climbed.

We built a digital remittance app that completes international transfers in under three seconds, with KYC and AML wired into onboarding, CBUAE-compliant transaction handling, and an architecture tuned for uptime at scale.

Alfardan Exchange remittance app showing an AED to USD transfer, in front of an Alfardan Exchange branch
100K+User downloads
99.9%Platform availability

duPay

Digital Wallet · UAE

A Regulated Digital Wallet for Everyday Money in the UAE

duPay is a regulated financial services app that brings digital payments, local transfers, international remittance, and bill payments into one place for UAE users.

A regulated wallet has to satisfy CBUAE requirements while still feeling simple in daily use. duPay needed secure payment rails and compliant onboarding across a wide feature set, without a heavy interface getting in the way.

We delivered a regulated wallet covering payments, peer-to-peer transfers, cross-border remittance, and bill payments, backed by biometric and multi-factor authentication, KYC and AML integration, and a real-time transaction engine.

duPay app showing a postpaid account and bill payment, in front of a du store
1M+User downloads
4.6/5Average rating

BharatPe

Merchant Payments · India

A Fintech Backbone for Millions of Indian Merchants

BharatPe is one of India's largest merchant-payment fintechs, giving small businesses QR-based payments, working-capital loans, and digital bookkeeping in a single app.

Serving millions of merchants meant accurate QR collection, a lending workflow, and bookkeeping had to live together in one product, at a scale and reliability that small businesses could depend on every day.

We rebuilt the app from the ground up, bringing QR payment collection, merchant lending, and digital bookkeeping into one product engineered for volume. That foundation supported the company's growth into a multi-billion-dollar business.

BharatPe merchant app showing QR activation and loan offers, alongside a customer paying by QR code
10M+Downloads
$600M+Funding raised

CoinBox

Crypto Wallet · Multi-Chain

Your Gateway to Multi-Chain Crypto Management

CoinBox is a multi-chain cryptocurrency wallet built for beginners and advanced users alike, combining asset management with built-in DeFi access.

A crypto wallet has to hold security to a high bar while staying usable, and support several chains plus a fiat on-ramp without turning into a complicated product.

We built a multi-chain wallet with cross-chain transactions, real-time portfolio tracking, a fiat-to-crypto gateway, and hardware-backed security, inside an interface that works whether it is someone's first wallet or their fifth.

CoinBox app showing an Ethereum price chart with market cap and all-time-high figures
Highlights
  • Multi-cryptocurrency support
  • Cross-chain transactions
  • Real-time portfolio tracking
  • Fiat-to-crypto gateway

Sectors we serve

Fintech Software Development Across Ten Financial Sectors

Our financial app development work spans the full width of the sector. Each build reflects the workflows, risks, and compliance priorities specific to that corner of finance.

A trader at a desk facing a wall of market charts

Trading and execution platforms built for latency and scrutiny.

Bankers reviewing deal documents around a table

Deal and transaction tooling for institutions moving large sums under close watch.

An adviser going through a portfolio with two clients

Portfolio and advisory platforms for private and institutional wealth.

A man holding a loan agreement at a desk

Origination-to-management across retail, SME, and corporate books.

A hand tapping a bank card on a payment terminal

Acceptance, disbursement, and cross-border money movement.

A business team meeting in a Dubai boardroom

Platforms for private equity, venture, and alternative assets.

An insurance policy document being reviewed

Policy, claims, and distribution software for insurers and brokers.

Financial reports reviewed beside a set of scales

Compliance automation, monitoring, and reporting for regulated firms.

A person managing money at home with a laptop and phone

Budgeting, saving, and money-management apps for consumers.

A ledger, calculator and financial statements on a desk

Bookkeeping, reconciliation, and reporting platforms for businesses.

Services

End-to-End Financial Software Development Services

Our fintech software development services cover the path from a regulatory-scoped idea to a product live with users across the GCC.

01

Custom Fintech App Development

Bespoke banking, payments, and investment products built to your regulatory and business model.

  • Product architecture and roadmap
  • Cloud-native, API-first build
  • Regulatory scoping in discovery
  • Full source-code handover
Get a Quote
02

Fintech MVP Development

A sandbox-ready first version that gets you into a regulator conversation fast.

  • Core feature build
  • Regulatory sandbox alignment
  • Investor-ready demo
  • Iteration to full product
Get a Quote
03

Core Banking Modernisation

Move from legacy monolith to microservices while the live bank stays online.

  • Phased migration plan
  • API layer over core systems
  • Zero-downtime cutover
  • Legacy data migration
Get a Quote
04

White-Label Fintech Products

Launch faster on a proven base, customised to your brand and market.

  • Wallet and neobank templates
  • Brand and UX customisation
  • Regional compliance fit
  • Rapid go-live
Get a Quote
05

Fintech UI/UX and Arabic-First Design

Interfaces designed for both language contexts from the first wireframe.

  • RTL layout and Arabic typography
  • Gulf-dialect content
  • Accessibility standards
  • Bilingual content management
Get a Quote
06

Compliance and Regulatory Consulting

Regulatory strategy mapped to your product before a line of code is written.

  • SAMA, CBUAE, DFSA, VARA mapping
  • Licence-class and jurisdiction advice
  • KYC, AML, and CTF workflow design
  • Audit-readiness planning
Get a Quote
07

API and Open Banking Integration

Connect your product to the banking, payment, and open-finance rails it needs.

  • Core banking connectivity
  • Payment gateway and card issuing
  • Open Finance and account aggregation
  • Third-party API orchestration
Get a Quote
08

Support and Managed Services

The work after launch that keeps a regulated product healthy.

  • Security patching and updates
  • Performance monitoring
  • Feature iteration
  • SLA-backed support
Get a Quote
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AI for finance

AI in Fintech, Built to Stay Inside Your Borders

Every AI capability we build is engineered to operate where SAMA, SDAIA, and the data-protection regulators require.

Arabic-First Conversational Agents

Support and service agents that understand Gulf dialect, switch between Arabic and English, and read correctly in RTL.

Agentic AI

Autonomous agents that carry out multi-step financial workflows under human oversight, from onboarding to reconciliation, with an audit trail behind every action.

AI Financial Dashboards

Real-time views of transactions, risk, and portfolio performance for the people who make the decisions.

Intelligent Fraud Detection

Transaction-monitoring models that flag anomalies as they happen, tuned to regional fraud patterns.

AI-Driven Credit Underwriting

Alternative-data scoring for thin-file and unbanked applicants, with explainable decisions your compliance team can defend.

AI for KYC and Document Intelligence

Automated identity verification and document extraction that cuts onboarding time without weakening the check.

AI-Powered AML and Transaction Monitoring

Sanctions screening and suspicious-activity detection that reduces false positives and hands investigators cleaner cases.

Hyper-Personalisation Engine

Product and offer recommendations driven by each customer's real financial behaviour.

RegTech Automation

Continuous compliance monitoring and regulatory reporting that operates in the background instead of consuming your quarter.

Features

Features We Engineer Into Every Fintech App

Security, compliance, and intelligence belong in the foundation of a financial product, not added later. These are the features our fintech app development team designs in from the start.

Biometric and Multi-Factor Authentication

Face, fingerprint, and device-based sign-in backed by multi-factor checks, so account access stays protected without adding friction for the user.

KYC and AML Integration

eKYC identity verification, AML screening, and sanctions checks wired into onboarding and payments, giving your compliance team its data from the first transaction.

Intelligent Fraud Detection

Machine-learning models that read transaction patterns as they happen, flag anomalies, and block suspicious activity before money leaves the account.

Regulatory Compliance by Design

CBUAE, SAMA, DFSA, and VARA requirements mapped to product logic during architecture, so compliance is structural rather than cosmetic.

How we work

Our Fintech App Development Process, From Discovery to Licence

Six stages take your product from a regulatory-scoped idea to a monitored live system. Each stage closes with a clear decision and a working output you can see.

Discovery and Compliance Mapping

We scope the product and align it to the regulators that govern it. You leave this stage knowing exactly what you are building and what it must satisfy.

Architecture and Design

Security, data residency, and Shariah requirements are set here, alongside the Arabic-first experience. Clickable prototypes confirm the flow.

Sandbox-Ready MVP

We build the version that opens a regulator conversation. It carries the core features a sandbox review needs to see.

Build and Integration

Core banking, payment gateways, KYC and AML services, and open-finance connections come together in structured sprints.

Launch and Licence Support

We stand with you through regulatory review and go-live. Deployment is planned for minimal downtime.

Scale and Support

Post-launch support covers security updates, iteration, and new features. You own the source code throughout.

Thumbnail for the Code Brew Labs demo video "How to Build a FinTech App with AI in 2026 (Step By Step Breakdown)".

Compliance

We Treat Compliance as an Architecture Decision

We build to the Saudi and UAE regulators first, layered over the global security and data standards your enterprise customers expect.

Payment & Data Security

6 standards
  • PCI DSS
  • ISO 27001
  • SOC 2 Type II
  • AES-256
  • SAMA Cyber Security Framework
  • NCA ECC

Tech stack

The Technology Stack Behind Our Financial Software Development

Our fintech app development team selects the stack per build, matched to your compliance profile, load, and the banking, payment, and open-finance systems.

AI & LLM Models

8 technologies
  • OpenAI GPT-4o
  • Anthropic Claude
  • Google Gemini
  • Azure OpenAI
  • Cohere
  • Mistral
  • Llama 3
  • DeepSeek

Why Code Brew Labs

Why Choose Code Brew Labs for Financial Software Development

Six reasons clients across the Gulf stay with us, backed by thirteen years of financial app development and a portfolio that clears real regulators.

40% faster payment processing on recent builds
20% lift in conversion
ISO, CMMI, and D&B DUNS certified

Compliance Scoped Before Code

We map the regulatory frameworks that apply to your product during discovery, so nothing is retrofitted after a failed audit.

  • KYC, AML, and CTF mapping
  • SAMA, CBUAE, DFSA, VARA scoping
  • PCI DSS planning
  • Architecture-level compliance

Secure Transaction Architecture

Payment flows, wallet operations, and data handling carry bank-grade security as standard.

  • AES-256 encryption
  • Token-based authentication
  • Role-based access control
  • Full audit logging

KYC, AML, and Fraud Workflows Built In

Onboarding and payments arrive with the compliance data your team needs from launch.

  • eKYC API integration
  • AML screening
  • Transaction monitoring
  • Sanctions checks

Banking, Payment, and Open-Finance Integration

We connect your product to the rails that make it a full financial service.

  • Core banking systems
  • Regional payment gateways
  • Card-issuing APIs
  • Open-finance infrastructure

Arabic and English Fintech UX

Every screen is designed for both language contexts from the first wireframe.

  • RTL layout
  • Locale-aware formatting
  • Gulf-dialect content
  • Bilingual content management

Full Source-Code Ownership and Support

You own the codebase, with the documentation and support to keep it healthy.

  • Complete source-code handover
  • Technical documentation
  • Security updates
  • Feature iteration

FAQ

Questions we are asked before a build starts

Cost and timeline depend on scope, integrations, compliance requirements, and platform coverage. We give a fixed estimate after the discovery and compliance-mapping stage.

SAMA in the Kingdom, and CBUAE, DFSA, ADGM/FSRA, and VARA in the UAE, plus QCB and CBB across the wider GCC.

Yes. We design product logic for Shariah-board approval, covering structures such as murabaha, ijara, and sukuk, built into the architecture.

On a sovereign or in-country cloud that satisfies Saudi PDPL and its UAE equivalent, so financial data stays inside the country.

Yes. You receive the complete codebase, documentation, and a support plan.

Yes. We migrate from monolith to microservices in stages, keeping the live system online through the cutover.

Fast enough to open a regulator conversation in weeks. The exact timeline follows the discovery stage.

Contact Us

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Our Presence

Level- 18, Dubai World Trade Centre Tower, Sheikh Rashid Tower, Sheikh Zayed Rd, Dubai, UAE

business@code-brew.com +971-55-645-7972

Plot no I - 36, Sector 83 Alpha, Mohali SAS Nagar 140308

business@code-brew.com +91-771-976-8427

Av. Miguel Hidalgo y Costilla 1995, Arcos Vallarta, 44600 Guadalajara, Mexico

business@code-brew.com +1(213)2614953

4231 Balboa Ave #512 San Diego, CA 92117 United States

business@code-brew.com +1(213)2614953

2nd floor, College House, 17 King Edwards Rd, London HA4 7AE, UK

business@code-brew.com +44 (20) 82644493

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