Real-time transaction alerts
Every charge pings the customer the second it clears — not tomorrow, not Monday.
Call Our Project Experts — (800) 588-9094Fifteen minutes. No pressure. Just answers.
FintechDigital product company · Since 2015
Digital products. Done beautifully.
Strategy · Design · Engineering —one team responsible forthe whole product.
Wve Labs builds mobile apps, web platforms, custom software, and AI-enabled products for startups, growth companies, and established organizations — thoughtfully conceived, beautifully designed, and engineered to perform. Mobile has been at the heart of Wve for more than a decade and remains one of our deepest areas of expertise.
Start the conversation
Or call us now: (800) 588-9094 — fifteen minutes. No pressure. Just answers.
3:55
Live · Everyday Checking
$8,412.36
Available balance
New charge · $42.19
Nordvik Coffee · 2s ago
This week · T · $123.20
Payroll deposit+$1,940.00
Metro Transit-$3.20
Trusted by teams at:
- Sony
- Honda
- Guardian
- Marriott
- USC
- Maui Jim
- California State University
Real-time banking, shipped
Balances, alerts, and controls that update the second money moves.
AI-powered fintech software development
Financial software takes more than engineering expertise.
We pair a decade-plus of product engineering with AI-first delivery to build secure, compliant financial software — and to modernize the legacy systems already carrying your business.
- Governance-first approach to financial system development.
- End-to-end AI integration and legacy modernization capabilities.
- Strict privacy, access, and policy controls across the lifecycle.
- Deep middleware, API, and core-integration expertise.
- Applications designed to evolve with changing business needs.
A product partner, not development capacity
You're not hiring hands. You're gaining a product team.
Wve is best suited for organizations looking for a long-term product partner, not simply development capacity. We take responsibility from early strategy and product definition through design, engineering, launch, modernization, and continued development.
Founded in 2015, we bring a decade of designing, engineering, launching, and scaling digital products for startups, growth companies, and established organizations. Mobile has been at the heart of Wve for more than a decade and remains one of our deepest areas of expertise.
Thoughtfully conceived, beautifully designed, and engineered to perform.
Vendor
Takes a spec, bills the hours, hands back a build, and disappears at launch.
Product partner
Owns the outcome across strategy, design, and engineering — and keeps improving the product after launch.
What that means for you
One accountable team for mobile apps, web platforms, custom software, and applied AI — under your brand, on your roadmap.
The work we do well — and the work we'll happily send elsewhere.
We're a fit for
- New digital product development
- Mobile and web applications
- Custom software development
- Modernizing an existing product
- AI product development
- UX/UI redesign
Have an app already?
Already have an app that isn't performing? We modernize, redesign, and re-engineer existing products too.
We're not the right fit for
- Logo-only branding projects
- Basic brochure websites
- SEO or social media campaigns
Those are good services — they're just not what we do. We'd rather point you somewhere better than take the work.
Project floor
We scope to the work, not the other way around.
Most engagements grow over time.
Who we are
A decade of designing, engineering, launching, and scaling digital products.
0
founded
A decade of designing, engineering, launching, and scaling digital products.
0+ yrs
mobile depth
Mobile has been at the heart of Wve for more than a decade and remains one of our deepest areas of expertise.
0
disciplines, one team
Strategy · Design · Engineering — no hand-offs between agencies.
0
kinds of product we build
Mobile apps · Web platforms · Custom software · AI-enabled products.
Scalable
engagements
We scope to the work and grow with your product — from first release to full platform.
Full
lifecycle ownership
From early strategy and product definition through design, engineering, launch, modernization, and continued development.
We build this for you
This isn't our app. It's the app we'll build for your institution.
Wve Labs is a software development agency. We handle product design, mobile and web engineering, core-banking and card-processor integrations, compliance-minded architecture, launch, and ongoing support — under your brand, on your roadmap.
- Discovery and UX built around your customers' failure moments
- Native-quality iOS, Android, and web from one codebase
- Secure integrations with your core, ledger, and card processor
- Launch support, analytics, and iteration after go-live
Nothing off the shelf
We're not selling you a product. We start from a blank page — yours.
Everything on this page is an example build. Your engagement starts with your customers, your core, and your compliance reality — then we design and engineer it from scratch.
You own it outright
Code, designs, and IP are yours from day one. No licence, no per-seat fee, no lock-in to our platform.
Built around your customers
We start with discovery on your members' failure moments — then design the phone, tablet, and web experience they actually need.
Fits your systems, not ours
Your core, ledger, card processor, KYC vendor, and audit requirements shape the architecture from the first sprint.
Feature showcase
Six things we build to work the second money moves.
Spending breakdown dashboard
A live dashboard that sorts each swipe into categories as it happens.
Instant card lock / unlock
One tap freezes the card. One tap brings it back. No phone call, no ticket.
Budgeting goals with progress
Progress bars that move in real time, so overspend never sneaks up.
Bill-pay reminders
Nudges before the debit lands, so overdrafts stop being a surprise.
Biometric login security
Face or fingerprint only. Balances stay with the account holder.
Every screen your customer — and your team — hits in a bad moment.
Phone for your customer, tablet for your ops floor. These are examples of what we design and build for you from scratch — not a product you buy off a shelf.
9:41
Notifications
Charge declined — card locked
Now
Unusual charge: $312.00, Lisbon
1 min ago
Rent auto-pay clears tomorrow
2 h ago
Groceries budget 82% used
Today
iPhone · alert feed
Risk console
LiveOverview
Alerts
Disputes
Cards
Audit log
Flagged today
128
Auto-blocked
94
Avg. response
1.4s
Card •4412 — $842 Lagos, NGBlocked
Card •9930 — $59 subscriptionCleared
Card •2201 — velocity anomalyReview
iPad · your ops team
Instant card lock
Something looks wrong? One tap freezes the card.
We build the alert, the lock, and the confirmation into a single flow — so the next attempted charge dies right there. No hold music, no three-day dispute window, and far fewer calls into your support team.
9:41
Card controls
Visa · 4429
Active
Card locked
No new charges will go through. Unlock any time.
Online paymentsOn
ATM withdrawalsOn
International useOn
iPhone, iPad, web, and wrist — one product, built to match.
We ship the customer app alongside the tablet console your risk team works in, the member web portal, and the watch alert that lands first. Same design system, same ledger.
Member portal
AccountsTransfersBillsSupport
Available balance
$12,480.55
Alerts on
Card locked
Goals 68%
Bill due Fri
Web · member portal
Risk console
LiveOverview
Alerts
Disputes
Cards
Audit log
Flagged today
128
Auto-blocked
94
Avg. response
1.4s
Card •4412 — $842 Lagos, NGBlocked
Card •9930 — $59 subscriptionCleared
Card •2201 — velocity anomalyReview
iPad · risk console
Card charge
$842.00
Lagos, NG · 2s ago
Freeze cardWatch · instant alert
The failure moment
Card in one hand, phone in the other. That's where your app has to win.
A working build of the app, running right on this page.
Type your institution's name — it renders inside the app on the right, live. Then tap through the three screens of a real fraud-recovery flow: the alert lands, the card freezes, the money comes back.
9:41
Northline Credit Union · Everyday Checking
$8,412.36
Available balance
New charge · $312.00
Loja Digital LDA · Lisbon · now
Northline Credit Union pushes the alert the second the authorization hits the rail — not on tomorrow's statement.
9:41
It's not a picture. Tap through it.
This is a live prototype running in your browser — the same fidelity we ship in week two of a build. Open Alerts and report the Lisbon charge as fraud: the balance updates instantly. Then hit Card and freeze the card.
- Fraud reversal that recalculates the live balance
- Card lock that cascades to every spend control
- Editable budget caps with real-time progress
Also offered
We build the website for the institution too.
The app is the main event. But the marketing site, member portal, and content stack ship from the same team, on the same brand system.
Institution website
Fast, accessible, conversion-focused marketing site.
Member portal & PWA
Logged-in web experience that mirrors the app.
Content & SEO stack
CMS, rates pages, locations, structured data.
Compliance-ready pages
Disclosures, accessibility, audit-friendly.
App-first — backed by a full engineering, AI, and design bench.
Digital Product Engineering
We build high-performance digital products — from mobile apps to enterprise platforms — that scale with your growth.
Mobile App Development
- iPhone App Development
- Android App Development
- Hybrid App Development
- Wearable Apps
- App Rescue & Relaunch
- App Store Optimization (ASO)
Custom Software Development
- Enterprise Software & Internal Tools
- Platform & Systems Modernization
- API, Middleware & Integrations
- Data Platforms & Reporting
- Legacy Product Re-engineering
Web Development
- Custom Website Development
- Progressive Web Apps (PWA)
- E-Commerce Platforms
- API & Backend Development
- Web Rescue & Relaunch
Cloud & Emerging Technologies
- Cloud Architecture & Deployment
- Data Engineering & Management
- DevOps & CI/CD
- AR/VR Applications
- IoT-Enabled Apps
- Blockchain & Web3 Apps
Product Design & Evolution
We shape intuitive designs and ensure your digital products continuously adapt to user needs and market changes.
UI/UX & Digital Branding
- UI/UX Design
- Brand Identity & Style Guides
- Product Prototyping & Wireframing
- Creative Assets & Collateral
Ongoing Product Care
- App & Website Maintenance
- Performance Monitoring & Optimization
- Bug Fixes & Security Updates
- Feature Enhancements
Product Growth & Scalability
- Scalability Planning
- Cloud Migration & Optimization
- System Modernization
- A/B Testing & Iteration
Applied AI
We design and deploy intelligent systems that automate, optimize, and accelerate business outcomes — including AI built specifically for regulated fintech products.
AI Solutions & Automation
- Custom AI Solutions & Consulting
- Workflow Automation (RPA + AI)
- AI API integrations
- AI Cloud Deployment
- Data Engineering & Analytics
Generative & Conversational AI
- Chatbots & Virtual Assistants
- Generative Content
- LLM Integration
- AI Agents
- Knowledge Base Assistants (RAG)
Core AI & Machine Learning
- Predictive Analytics
- Natural Language Processing (NLP)
- Computer Vision
- Recommendation Engines
- MLOps & Model Maintenance
Fintech AI Applications
- AI fraud detection & real-time anomaly flagging
- AI-powered budgeting & savings assistant
- Automated credit & risk scoring
- AI customer support chatbot for banking
Money in motion
Ledgers, rails, and reconciliation — engineered, not improvised.
We build the plumbing behind the pretty screens: card processor integrations, real-time ledgers, webhook pipelines, and audit trails your compliance team can defend.
Fintech solutions we build
Robust financial software that evolves with your business.
Full-spectrum fintech development across regulated verticals — banking, payments, lending, wealth, risk, and applied AI.
Digital banking software
Build and integrate core banking systems. Add capabilities while preserving core business logic, with a strong security, compliance, and privacy posture.
Payment processing systems
Custom payment rails and gateway integrations (Stripe, Adyen, Worldpay), card management, reconciliation, and fraud detection workflows.
Wealth & investment platforms
Portfolio interfaces, investor onboarding, custody integrations, robo-advisory engines, and reporting for asset and wealth managers.
Lending & credit platforms
Loan origination, credit decisioning, underwriting automation, collections, and lender-borrower portals for consumer, SME, and BNPL.
Risk, KYC & AML systems
Identity verification, sanctions screening, transaction monitoring, suspicious activity reporting, and multi-jurisdiction regulatory reporting.
Fintech AI development
Tailored AI — forecasting, real-time risk modeling, behavioral analytics, personalization — implemented securely inside your governance posture.
AI fraud detection
Real-time anomaly detection on transactions. Flags suspicious activity before the customer even notices, with explainable risk scores and automated case routing.
AI-powered budgeting assistant
Personalized spending insights, category forecasts, and savings suggestions delivered inside the app — turning raw transaction data into actionable guidance.
Automated credit & risk scoring
Faster, fairer underwriting decisions using alternative data, machine-learning models, and compliance-ready model governance for lenders and BNPL providers.
AI customer support chatbot
Handles balance, transaction, and account questions instantly. Reduces call-center volume while escalating sensitive issues to human agents with full context.
Fintech isn't generalist work.
Governance-first architecture
Privacy, access, and policy controls are embedded across the development lifecycle — not bolted on before an audit.
Production-grade, not MVP-grade
Systems that move real money don't tolerate 'we'll refactor later'. We engineer for production load, security, and regulatory inspection from day one.
Senior multidisciplinary teams
Backend, frontend, design, DevOps, security, and a dedicated PM on every engagement. Regulated software needs coordinated craft.
Deep legacy & middleware expertise
Core banking, ledger, and card-processor integration work — API layers and modernization paths that don't break what already runs.
Long-term partnerships
Fintech systems never stop evolving: new regulations, markets, products. Our average client relationship runs four years and counting.
Clear commercial terms
Free consultation, NDA before discovery, and a written proposal with milestones — scoped to the work, not a one-size-fits-all rate card.
How it works
Talk → Design → Build → Launch.
It starts with a call. Free, 15 minutes, no obligation.
01
Talk
It starts with a call. Free, 15 minutes, no obligation. Talk to a real product expert — not a sales script.
02
Design
Product definition, UX/UI, and prototypes. We shape the thing before anyone writes production code.
03
Build
Engineering in sprints, with working software you can use every step — mobile, web, custom software, applied AI.
04
Launch
Ship it, then keep going: measurement, iteration, modernization, and continued development.
What that looks like in detail
01Week 1-3
Discovery, regulatory mapping & strategy
Stakeholder interviews, technical assessment of existing systems, and regulatory mapping per jurisdiction. You get a written plan: architecture decisions, team composition, pricing, timeline.
02Week 2-6
Architecture, security & compliance design
System architecture, data modeling, API and security design in parallel. Threat models, KYC/AML integration plan, reporting schema, disaster recovery, and PoCs on the riskiest parts.
03Week 6-onwards
Development & continuous security review
Sprint-based delivery with weekly demos and a deployable staging build every sprint. Dependency scanning, static analysis, and secrets management on every release.
04Pre-launch
Audit cycle
Independent security review, penetration testing, load benchmarking, accessibility review, and regulatory readiness verification per jurisdiction.
05Launch + ongoing
Launch & continuous compliance
Production deployment with monitoring and incident response, then feature iteration, patching, regulatory updates, scaling, and audit support.
Typical fintech MVP timeline: 20–32 weeks. Full-scale platforms: 9–18+ months. Support continues for as long as the product keeps evolving.
Choose the best fit for your fintech goals.
Staff augmentation
Individual specialists
from $75/hour
Embed experienced engineers directly into your in-house team to fill skill gaps or scale capacity on demand.
- Time-zone alignment
- Seamless team integration
- Direct reporting
- Pause anytime
Best for: Filling skill gaps
Most popular
Agile pods
Delivery-aligned execution teams
from $35,000/month
Pre-configured teams of 4–8 engineers with complementary skills, owning defined features and slices with execution autonomy.
- Cross-functional capabilities
- Bounded end-to-end execution
- DevOps, QA, security, PM included
- Direct Slack access
Best for: Delivery ownership
Managed delivery
Outcome-based scope
scoped to outcomes
We take end-to-end ownership of outcomes. You define success criteria; we deliver against milestones with full accountability.
- Detailed proposal with milestones
- Pre-agreed feature list
- Single point of accountability
- Project governance & risk management
Best for: Complete projects
Every engagement includes a free initial consultation, a written proposal, and an NDA before discovery on request.
Experts in 100+ technologies
Stacks chosen for your regulators, not for trends.
Frontend
- React
- React Native
- Next.js
- TanStack
- TypeScript
- Swift
- Kotlin
Backend
- Node.js
- Python (FastAPI, Django)
- Java (Spring)
- .NET (C#)
- Go
Data
- PostgreSQL
- MongoDB
- Redis
- Elasticsearch
- Oracle (banking)
Infrastructure & DevOps
- AWS
- Docker
- Kubernetes
- Terraform
- CI/CD pipelines
Security, compliance & identity
- OAuth 2.0
- JWT
- SSO / SAML
- KYC/AML providers
- PCI DSS-aligned
- SOC 2 principles
- GDPR
Financial infrastructure
- Core banking APIs
- Card processors
- Plaid
- Stripe / Adyen
- FIX protocol
- Real-time market data
Reviewed and listed where buyers check.
Brands we've built for
- SonyEntertainment
- HondaAutomotive
- GuardianInsurance
- MarriottHospitality
- USCEducation
- Maui JimConsumer
- California State UniversityEducation
- Digital WatchdogSecurity tech
Fintech products we build
Reviewed and listed where buyers check. Scroll the row to see all 12 listings.
Trusted by teams at Sony, Honda, Guardian, Marriott, USC, Maui Jim, and California State University.
A decade of designing, engineering, launching, and scaling digital products for startups, growth companies, and established organizations.
Talk to Wve Labs
Tell us what your customers keep finding out too late.
Questions clients ask during discovery.
Payments & transfers
Send, split, and settle — flows we design down to the last confirmation screen.
Digital products. Done beautifully.
Strategy, design, and engineering under one roof — mobile apps, web platforms, custom software, and applied AI. We scope to the work and grow with you.
Start the conversation
Talk to a real product expert — not a sales script: (800) 588-9094. Prefer to write? business@wvelabs.com
9:41
Card controls
Visa · 4429
Active
Card locked
No new charges will go through. Unlock any time.
Online paymentsOn
ATM withdrawalsOn
International useOn