Senior US engineers, AI-accelerated

Hire FinTech Software Developers

Senior US engineers who have already built in fintech and wealthtech, directing a suite of AI agents to ship your product up to 10x faster. Pay by the outcome, or for their time by the month. You own everything we build.

Book an Intro Call Get an Instant Project Estimate

10xfaster, directing AI agents

175+companies served

100%senior and US-based

7 daysrisk-free to start

Why fintech teams choose Fraction

Fintech is the hardest place to ship software and the least forgiving place to ship it badly. Payments, ledgers, KYC, regulated data, audit trails, and integrations that cannot go down. You do not want a developer learning your domain on your dime.

Fraction is an AI-era software factory: senior US engineers directing AI agents to build software end to end. We were founded by an operator who built and scaled a financial services platform, HiddenLevers, and sold it to Orion in 2021, so fintech is not a vertical we wandered into. For your build, we place developers who have already shipped regulated financial software, then accelerate them with AI so they move in a fraction of the usual time. The engineer directs the agents and reviews every line.

Hire a developer to augment your team, or have us build the whole product. Either way you own the code, there is no team to hire or manage, and you know the cost before work starts.

What we build in fintech

Domain depth, shipped at AI speed

Financial mobile apps

Senior engineers who have shipped secure financial apps, from consultation and design through development, testing, and deployment, built to the security standards fintech demands and accelerated by AI.

Digital banking solutions

Core banking integrations, payments and processing, and fraud detection, built by senior US engineers who have worked in regulated banking software.

Maintenance and modernization

Update legacy systems, keep compliance current, and move to modern stacks, including new technology such as LLM integration, with ongoing support.

How it works

From idea to shipped, without the overhead

Tell us what you are building.

Bring a feature, a backlog, or a full product idea. We scope it and give you a plan and a cost before any work begins.

We match you to a senior fintech developer.

US-based, 10+ years on average, vetted by an MIT engineer who specializes in fintech, and matched to your stack and your corner of the industry.

They ship, directing AI agents.

Your engineer runs a suite of AI agents to move up to 10x faster and reviews everything that ships. An included software architect guides the build and a project manager keeps it on track.

You own it.

No subscriptions, no lock-in, no platform to stay on. The code is yours.

What you get

Senior judgment, AI throughput

Senior fintech engineers only.

No junior candidates. Vetted by an MIT engineer who specializes in fintech, and matched on both stack and domain experience.

AI speed, senior judgment.

Each engineer directs a suite of AI agents to ship up to 10x faster, and reviews everything the agents produce.

100% US-based and responsive.

Real-time on your Slack or Teams, in your timezone, with no communication barrier.

Architect and PM included.

We manage vetting, matching, and the day to day so you do not have to.

Scale up or down.

Ramp up, add expertise, or wind a project down as your needs change.

You own it.

Everything we build is yours, with no lock-in.

Pricing

What does it cost to hire a fintech developer?

There are two ways to pay, and you choose the one that fits how you work. Every engagement starts at $6,000/month.

Option 1

Pay by the outcome.

We scope the work, price it upfront, and you pay as features ship. No hourly billing and no surprises.

Best when you have a defined product or set of features to build, and pricing is set per project once we scope it.

Get an instant project estimate

Option 2

Time-based pricing.

Bring on a senior developer for a set amount of time each month and direct the work yourself. Best when you are augmenting an existing team.

Engagements start at $6,000/month and scale with the time commitment.

View time-based pricing

Ways to get fintech software built

Compare your options

	In-house hire	Dev agency	Offshore team	Fraction
Seniority	Varies by hire	Mixed teams	Varies	Senior only
Fintech domain fit	Depends on candidate	Varies	Varies	Matched to your domain
Speed	Standard	Standard	Standard	AI-accelerated, up to 10x
Time to start	Months	Weeks	Weeks	Days
How you pay	Salary + overhead	Hourly or retainer	Hourly	By outcome or monthly
Oversight	You manage	You coordinate	You manage across timezones	Architect and PM included
Code ownership	You	You	You	You

BURN THE MAP by Fraction

Rent it or own it?

For years the math favored renting. Building software meant a big team and a long timeline, so you paid a monthly subscription for a tool that almost fit. AI changed that math. With senior US engineers directing AI agents, custom software your firm owns outright is faster and cheaper to build than it has ever been, and for many of the tools you rent today, owning now costs less than subscribing.

This is sharpest in wealthtech. If you run an advisory firm, our free tool Burn the Map lets you map the vendors in your stack and see which ones cost more to rent than to build and own. Pick your tools, see the math, and find what you would save by owning instead of subscribing. When you decide to replace one, we build it, your firm owns it, and the subscription stops.

See what your stack would cost to own

FAQ

Questions, answered

Yes. We match you to engineers who have built financial software before, across payments, lending, wealthtech, digital banking, data, or infrastructure, depending on what you need.

Yes. Our engineers are used to building for security, auditability, and compliance requirements. Specifics are covered on your intro call.

Two ways to pay: by the outcome, scoped and priced per project, or by the month, starting at $6,000/month.

We scope and price the work before it starts, and you pay as features ship rather than for hours logged.

Yes. Every engineer is senior and US-based, responsive in real time on your Slack or Teams.

Most engagements start within days of your intro call, and there is a 7-day risk-free window.

You do. There are no subscriptions and no lock-in. Everything we build is yours.

Hire FinTech Software Developers

Domain depth, shipped at AI speed

Financial mobile apps

Digital banking solutions

Maintenance and modernization

From idea to shipped, without the overhead

Tell us what you are building.

We match you to a senior fintech developer.

They ship, directing AI agents.

You own it.

Senior judgment, AI throughput

Senior fintech engineers only.

AI speed, senior judgment.

100% US-based and responsive.

Architect and PM included.

Scale up or down.

You own it.

What does it cost to hire a fintech developer?

Pay by the outcome.

Time-based pricing.

Compare your options

Rent it or own it?

Built by an operator who sold a fintech company

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Questions, answered

Hire a fintech developer who has built this before

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