--- title: "FinTech & Finance Software Development" canonical: https://wavect.io/industries/finance/ language: en description: "Six shipped finance products: an institutional bond analytics platform banks use to price corporate debt, a multi-chain crypto checkout, a self-custody wallet …" image: "https://wavect.io/img/general/bak/open_graph_preview.jpg" --- INDUSTRY // FINANCE # Finance software that survives contact with banks, regulators, and real money. Six shipped finance products: an institutional bond analytics platform banks use to price corporate debt, a multi-chain crypto checkout, a self-custody wallet built for people over 50 who have never held crypto, and QA governance on a payments backend moving real savings. Finance is our deepest industry, and the case studies below are the argument. 6 case studies 4 questions answered 4 related services Shipped work > “In finance, the demo is not the product. The product is what happens when an auditor, a regulator, or a six-figure transaction hits the edge case you hoped was theoretical.” TL;DR Our deepest industry. Six shipped products: institutional bond analytics, crypto payments, a self-custody wallet for non-crypto users, QA governance for an Africa-focused fintech backend, and more. // 01 ## What we build in this industry The finance work we ship splits into three recurring shapes. Analytics and decision platforms: systems that score financial instruments and have to be defensible in front of institutions. The [bond analytics platform](/case-studies/bond-analytics/) went from zero to enterprise-ready in two months and the company closed multiple funding rounds on it. Banks and asset managers use it to price corporate debt, which means the rating algorithm cannot hand-wave a single edge case. Payments and wallets: rails that move real money, fiat and crypto, built with [blockchain engineering](/services/blockchain/) that holds up on mainnet. [ScramblePay](/case-studies/scramble-pay/) is a multi-chain Point-of-Sale and web checkout, pilot-ready for merchant integration in two months. The [Scramble wallet](/case-studies/scramble-wallet/) ships a self-custody [crypto wallet](/glossary/crypto-wallet/) to non-crypto users on every common browser and both mobile platforms. Quality governance on financial backends: [ZybraMoney](/case-studies/zybra-money/) runs group savings, wallets, and transfers for an Africa-focused fintech. Our [software quality assurance](/services/software-quality-assurance/) held the weekly release gates through a mid-flight rebuild and closed hundreds of defects, because in payments a regression is not a bug ticket, it is someone’s money. ### Fixed-price build (Werkvertrag) Scoped MVP or product build with a signed SoW we are legally bound to deliver. The bond analytics platform and ScramblePay were shipped this way: hard scope, hard timeline, real money on the other side. ### QA and release governance We own quality on your existing financial backend: release gates, regression strategy, defect triage across vendors. The shape of the ZybraMoney engagement, held for the length of a rebuild. ### Fractional CTO for regulated builds Architecture, compliance-aware engineering decisions, and hiring judgement for fintech founders who are not technical, or not technical enough for an FMA conversation. // 02 ## What makes this industry hard ### Compliance is an architecture input, not a launch checklist AML flows, audit trails, and data residency are cheap on a whiteboard and brutal to retrofit. We design them in from the first commit, because we have seen what the retrofit costs. ### Edge cases are the product Partial settlements, reversed transfers, currency rounding, a webhook that fires twice. Finance software is judged by the paths a demo never shows. Our QA background is why clients hand us these systems. ### Crypto rails meet TradFi expectations If your product touches tokens, your buyers still expect bank-grade reliability and a clean regulatory story. We have shipped both sides: DEX aggregation and self-custody on one end, institutional analytics on the other. Regulatory reality If your product touches crypto-assets in the EU, [MiCA](/blog/mica-fma-crypto-licensing-austria-2026/) decides what you may ship and the FMA decides when. If it scores people or credit, the EU AI Act likely classifies that as high-risk, with documentation duties that [stack on top of GDPR](/blog/gdpr-ai-act-stacking-dach-saas/). We build with these constraints in view. We are engineers, not lawyers, so we make your compliance story implementable, and your lawyer makes it official. // 03 ## Shipped work in this industry Six finance builds, from institutional analytics to consumer wallets. Including the ones that wound down, because those case studies say so. ### [Bond Analytics Platform](/case-studies/bond-analytics/) - **Status:** Live - **Outcome:** 2 months - 0 to Enterprise - **Summary:** Institutional bond analytics platform, zero to enterprise-ready in 2 months; raised multiple rounds. - **Stack:** NestJS, React, Typescript ### [Scramble Pay](/case-studies/scramble-pay/) - **Status:** Live - **Outcome:** 2 months - Concept to Pilot-Ready - **Summary:** PoS + web crypto checkout, multi-chain, wallet-agnostic, pilot-ready for merchant integration in 2 months. - **Stack:** React, Typescript, NestJS ### [Scramble Wallet](/case-studies/scramble-wallet/) - **Status:** Live - **Outcome:** 50+ - Target User Age - **Summary:** Multi-browser extension, Tron added, iOS + Android via multiple routes, built on a forked Enkrypt, debt paid down release by … - **Stack:** VueJS, Typescript, NestJS ### [ZybraMoney](/case-studies/zybra-money/) - **Status:** Live - **Outcome:** Weekly - Release Gates Held - **Summary:** QA governance through a high-change rebuild, release safety held weekly, hundreds of defects closed. - **Stack:** Node.js, Typescript, PostgreSQL ### [FTW Ventures](/case-studies/ftw-ventures/) - **Status:** Wind Down - **Outcome:** NFT mint - Shipped - **Summary:** Rescued a stalled NFT mint, finished it, and handed back a CMS so non-technical staff could ship without us. - **Stack:** Typescript, React, Solidity ### [Quivr](/case-studies/quivr/) - **Status:** Wind Down - **Outcome:** Day 1 - Engagement Start - **Summary:** On-chain fan-identity protocol from concept to two chains. Tech survived; the startup's runway didn't. - **Stack:** Typescript, Flutter, React These are selected projects, not our full portfolio. We have shipped 75+ products since 2018. // 04 ## Related services & reading - [SERVICE AI Integration](/services/artificial-intelligence/) - [SERVICE Blockchain Development](/services/blockchain/) - [SERVICE Software Quality Assurance](/services/software-quality-assurance/) - [SERVICE AI Enablement](/services/ai-enablement/) - [ARTICLE MiCA and FMA crypto licensing in Austria, 2026](/blog/mica-fma-crypto-licensing-austria-2026/) - [ARTICLE What EU AI Act compliance actually costs a startup](/blog/eu-ai-act-compliance-cost-startup/) - [ARTICLE GDPR and EU AI Act stacking for DACH SaaS](/blog/gdpr-ai-act-stacking-dach-saas/) - [GUIDE How to choose a software development agency](/software-development-guide/how-to-choose-a-software-agency/) // 05 ## FAQs ### Have you built for banks directly? We have built platforms banks and asset managers use, the bond analytics platform being the clearest example. We have not been the IT vendor of record inside a bank’s own infrastructure. If you need core-banking integration experience specifically, ask us about it on a call and we will be straight about the fit. ### Can you get us a MiCA license? No, and be suspicious of any dev shop that says yes. What we do: build the product so the licensing story is implementable, and work alongside your legal counsel. The regulatory analysis is theirs, the architecture that survives it is ours. ### Do you handle both crypto and traditional finance? Yes, and that combination is rarer than it should be. Six shipped finance products span institutional bond analytics on one end and self-custody wallets plus multi-chain checkout on the other. ### What does a finance MVP cost with you? The honest answer is a range: the shape of ScramblePay or the bond platform was a two-month fixed-price build. Book a call with your scope and you get a real number, not a teaser rate. 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