01 / What is at stake
The real constraint
Fintechs must combine bank-grade security and regulatory compliance with the slick UX users expect, all while integrating fragile banking rails.
Wve Labs FintechWve Labs app development
Your customers find out about fraud three days too late.
We build financial apps that alert them in three seconds.
Trust in finance is lost in the gap between something happening and someone being told. That gap is where customers close accounts.
No pressure · No obligation · Just a conversation
9:41Finance
Business banking
Move money in seconds.
Operating balance
$128,430.00
Checking●● 8842
Recent activity
Stripe Payout+$4,200
AWS Services-$842
Payroll-$3,100
Client Deposit+$8,500
In the field / FintechWe're your team
You bring the business.We bring the builders.
We're not selling you software off a shelf. We sit down with you, learn how your fintech business actually runs, and build the exact app it needs.
From the first call to launch day, you work with the same team — our people become your people. Same engineers, same designers, same names in your inbox.
We build custom, from scratch. The screens you see here are examples of what we can create for your business — yours will be built around how YOU work.
The operating brief
Understand the systembefore designing the screen.
02 / How we respond
A product-shaped answer
We build on a PCI-DSS stack with biometric auth, Plaid-linked aggregation and tokenized cards, with audit-ready logging and real-time fraud monitoring.
01
Digital wallet
Send, request and store with instant transfers and split bills.
02
Investing
Fractional trading, portfolios and round-up savings.
03
Cards
Issue virtual and physical cards with spend controls.
What your app does for you
Built around outcomes,not a feature list.
01
They know before you have to explain
Real-time push on every transaction, with freeze-the-card in one tap.
02
Onboarding that finishes
KYC, document capture and identity checks that people complete on the first try.
03
Money moves without a call
Transfers, payees, recurring rules and limits handled entirely in-app.
04
Security your auditors like
Biometric auth, device binding, encrypted storage and full event logging.
05
Clarity beats spreadsheets
Balances, categories and cashflow shown the way your customers actually think.
06
Built to plug into your core
Ledger, card processor and compliance vendors integrated properly, not bolted on.
How we work together
Talk → Design → Build → Launch.
Start with a free consultation — no pressure, no obligation, just a conversation about what your business needs.
01
Talk
A free call with the people who'd build it. We learn your business and tell you honestly what it takes.
02
Design
You see your app before a line of code — real screens, your workflow, changed until it's right.
03
Build
Your named engineers ship in two-week sprints. You get a working build in your hands, not a status report.
04
Launch
Store submission, monitoring and a team that's still here the week after go-live.
Example screens
Moments your customerswould actually use.
Examples from work we've shipped — yours gets designed from scratch around your own workflow.
9:41Shop App
Browse
Gear that moves.
Cart · 0 items
Tap a product to add
A notification arriving at the right second.
9:41No signal
Driver terminal
Scan. Queue. Sync.
Local queueAll synced
WVE-4471Bay 04 · Long BeachSynced
14
Stops
6
Left
4:20
ETA
The confirmation that ends the phone call.
9:41Finance
Business banking
Move money in seconds.
Operating balance
$128,430.00
Checking●● 8842
Recent activity
Stripe Payout+$4,200
AWS Services-$842
Payroll-$3,100
Client Deposit+$8,500
The dashboard you check before coffee.
Awarded & verified on
Relevant work
Proof lives inthe products we shipped.
Ready when you are.
Tell us what's breaking in your fintech business. We'll tell you whether an app fixes it — and what it would take.
Imagine your support queue on a Monday with no fraud escalations in it — because the app got there first.
That's a build, not a wish. Let's talk through what it would take for your business — first conversation is free.
9:41Shop App
Browse
Gear that moves.
Cart · 0 items
Tap a product to add
Applied AI4 services
AI we ship forfintech teams.
AI 01
Real-time fraud detection
Anomaly models score transactions the instant they land — flagged before the customer notices anything.
AI 02
Budgeting assistant
Personalized spending insight and savings nudges built into the app, not bolted onto a statement.
AI 03
Automated credit & risk scoring
Faster underwriting decisions using alternative data alongside traditional bureau signals.
AI 04
Support chatbot
Answers balance and transaction questions instantly and drops call volume on day one.
