Custom Fintech Solutions
With deep domain knowledge and advanced AI expertise, 10Pearls delivers custom-built, future-ready fintech solutions that deliver measurable impact.
making Fintech Innovation Happen
We partner with you to turn opportunities into secure, scalable, and forward-thinking fintech solutions. From strategy to execution, we help fintech leaders design intelligent, scalable fintech solutions that transform customer experiences, automate workflows, and unlock new business value. Whether launching or scaling, we bring the agility and technical depth to help you stay ahead.
You are in great company
Our custom fintech software solutions
We design and build secure, scalable fintech solutions that leverage emerging technologies and unlock the full potential of your data. By combining technical expertise with financial domain knowledge, we help you deliver faster, adapt smarter, and grow with confidence.
Investment management solutions
Reimagine investment management with
data-driven solutions that simplify portfolio oversight, automate asset allocation, and integrate real-time market data.
Digital payment solutions
We build secure and scalable digital payment systems designed for seamless B2B transactions, designed to integrate with your existing financial infrastructure.
Wealth management solutions
Deliver personalized, AI-driven insights and automation that streamline routine tasks and enhance client engagement through intuitive interfaces.
Advanced fraud detection
Proactively safeguard your business and clients from emerging threats with our combination of rule-based logic, ML, and AI-driven fraud detection solutions.
Compliance monitoring solutions
AI-powered risk assessment and NLP help your business navigate complex legal frameworks efficiently, minimizing risk and ensuring transparency.
Blockchain solutions
Ensure data integrity and transparency with AI & ML, integrated to analyze transaction patterns and optimize network performance.
Cryptocurrency solutions
Enable secure digital asset management with AI-driven analytics that support market insights, risk management, and ensure compliance with regulatory standards
Modern lending solutions
Leverage AI to enhance credit risk assessment accuracy and accelerate approval workflows, improving borrower experiences using streamlined interfaces.
DeFi solutions
Enable peer-to-peer lending and asset exchange without traditional intermediaries, using AI for liquidity optimization and anomaly detection.
Digital banking solutions
Deliver user-focused, secure digital banking experiences that stand out and drive measurable value, integrating AI & ML to improve efficiency and user experience.
RegTech solutions
Streamline compliance with AI-driven automation for regulatory reporting, legislative tracking, and real-time risk management.
Delivering measurable impact
60%
Faster time-to-market
Launch products in weeks, not months, with agile delivery and reusable fintech components that accelerate development.
99.9%
Platform update
Deliver a reliable user experience and minimize service interruptions with high-availability infrastructure.
60%
Reduction in onboarding time
Launch products in weeks, not months, with agile delivery and reusable fintech components that accelerate development.
10x
Transaction scalability
Deliver a reliable user experience and minimize service interruptions with high-availability infrastructure.
40%
Improvement in fraud detection accuracy
Launch products in weeks, not months, with agile delivery and reusable fintech components that accelerate development.
50%
Reduction in compliance workload
Deliver a reliable user experience and minimize service interruptions with high-availability infrastructure.
Why fintech leaders partner with 10Pearls
We combine deep fintech expertise with modern engineering practices to deliver secure, scalable, and user-focused solutions. From user experience to compliance, we provide full-spectrum support tailored to your business goals.
Engaging experiences
Deliver seamless and intuitive user experiences that drive engagement. Leveraging UI/UX expertise and proven design principles, we create user-focused digital experiences that strategically utilize the latest advanced technologies.
Subject matter expertise
Financial services success requires more than just technical skills. As a leading fintech solutions software development company in the U.S., 10Pearls brings decades of real-world industry experience, offering strategic guidance and execution support at every stage – from early product planning to expansion and growth.
Data & integration services
We ensure efficient data exchange across platforms to improve user experiences, support risk management, and maintain regulatory compliance. Our technical team integrates APIs and backend systems that form the backbone of secure, high-performance fintech products.
Security & compliance
Security and compliance are essential for any fintech solution. Our experts build systems that align with regulatory requirements like KYC, AML, and PCI-DSS, ensuring a safe and compliant environment for your users and business.
AI expertise
We help fintech companies unlock the true value of their data. Our team integrates intelligent features that enhance decision-making, improve operational efficiency, and strengthen fraud detection – while maintaining transparency and control.
Emerging challenges
In today’s fast-evolving fintech landscape, staying ahead means overcoming complex regulatory demands, rising security threats, and shifting market dynamics. Our expertise and solutions are designed to help your business navigate these challenges with confidence and agility.
Regulatory
complexity
Cross-border compliance is becoming harder as countries move away from global coordination in favor of local rules. Regulatory focus on resilience, risk, and outcomes is intensifying. Nearly 50% of banks say compliance now consumes 8–10% of operating expenses – a cost that’s only growing with complexity.
Fraud & security
Cyber threats are now the top operational risk. As digital channels grow, so does exposure to advanced fraud schemes and attacks. In 2024, the average data breach cost financial firms $5.05M – with an extra $220K tacked on due to non-compliance. Trust and continuity are on the line.
Data scalability
The explosion in data – from digital services to regulatory demands – is overwhelming outdated systems. Just 3% of institutions say their legacy tech can meet today’s compliance and innovation needs. Without scalable infrastructure, firms risk falling behind.
Customer personalization
Customers expect more than access, they want tailored financial experiences across every touchpoint. 45% have already switched providers due to poor digital interactions. Meeting rising expectations means turning data into personalized value – at speed and at scale.
Operational resilience
As transactions grow in volume and complexity, resilience is under the microscope. Regulators are watching how firms manage third-party risk and ensure uptime. 80% of institutions are now investing in cloud and real-time systems to deliver uninterrupted service.
Forecasting
Planning has become harder in a volatile world. Geopolitical uncertainty, rate swings, and trade shifts have pushed 70% of CFOs to label forecasting a top challenge. Static models no longer work—firms must embrace scenario-based, adaptive strategies.
Partnering with innovators across fintech
Digital banks & neobanks
We work with banks and fintechs to reimagine what digital banking can look like—whether that’s building something new or integrating advanced technology or intelligent functionality into existing systems.
Our digital banking and neobanks services include:
Our digital banking and neobanks services include:
- Core platform development and third-party integrations
- Intelligent consumer and commercial lending systems
- Full digital onboarding with Know Your Customer (KYC)
- Embedded digital banking capabilities
- Experience-driven UI/UX design
Payment & wallet platforms
Businesses and consumers need integrated solutions that leverage the latest payment innovations. We help you build agile, secure payment systems that feel effortless to users, driving service quality and loyalty.
10Pearls’ fintech solution development services include:
10Pearls’ fintech solution development services include:
- Real-time and international payment solutions
- Digital wallet and mobile payment solutions
- Subscription and recurring payment solutions
- Peer-to-peer payment systems
- Contactless payment integration
- Payment gateway integration
Wealth & personal finance providers
People want more control and clarity when it comes to their money. We help you meet that demand with wealth platforms that are intuitive, personal, and smart—giving your users the tools they need to manage, invest, and plan confidently.
Our personal finance and wealth management services include:
Our personal finance and wealth management services include:
- Custom portfolio management platforms
- Financial planning and tax optimization features
- Aggregated account views and actionable insights
- Client onboarding and Know Your Customer (KYC)
- Native mobile applications
- Secure communication and collaboration tools
Embedded finance platforms
From mobilizing fintech solutions through APIs to embedding third-party solutions, we help you get it right. We build the infrastructure and UX to make finance feel invisible and incredibly powerful.
10Pearls’ personal finance and wealth management services include:
10Pearls’ personal finance and wealth management services include:
- API integrations
- Payment gateway integration
- Embedded lending and BNPL tech
- Fraud and risk detection systems
- Customizable financial widgets
- Payment processing and settlement
Accelerating fintech innovation through AI-driven fintech solutions to create streamlined user experiences and scalability.
Lending & financing providers
We help financial providers modernize the full lending journey, making processes faster, smarter, and more data-driven. From credit scoring to collections, we build systems that adapt to your customers and risk models.
Our lending and financing solutions services include:
Our lending and financing solutions services include:
- Loan origination systems
- AI-powered credit risk tools
- Peer-to-peer and embedded lending features
- Mortgage and loan servicing
- Collections workflows with built-in analytics
Blockchain & crypto ventures
We enable organizations to boost efficiency, agility, and security through custom blockchain development services. Our blockchain exchange solution includes a full-scale cryptocurrency trading platform that allows transparent and immutable NFT transactions.
Our blockchain and cryptocurrency services include:
Our blockchain and cryptocurrency services include:
- Cryptocurrency exchange platforms
- Smart contract builds and audits
- DeFi (decentralized finance) solutions
- Tokenization of assets and NFTs
- Blockchain identity and wallet tools
Automation in fintech
We don’t take a plug-and-play approach to AI. We customize models to your specific data, workflows, and business goals. Our team uses machine learning, natural language processing, and real-time analytics to help you achieve measurable value from AI while maintaining transparency and control.
10Pearls’ AI solutions for fintech include:
10Pearls’ AI solutions for fintech include:
- Personalized robo-advisors
- Virtual finance assistants
- Smart chatbots for acquisition and service
- Automated credit approval and underwriting
- Automated document and data processing
- Analytics and reporting dashboards
Security-first fintechs
Security and compliance aren’t add-ons – they’re built in from the start. We help fintechs protect their customers and stay ahead of regulatory shifts. By combining deep technical expertise with an understanding of evolving compliance frameworks, we enable financial providers to move with confidence and agility.
Our custom fintech solutions include:
Our custom fintech solutions include:
- User authentication and access control
- Regulatory reporting and compliance monitoring
- AI-powered fraud detection and prevention
- Risk assessment and management
- Tokenization and secure transaction services
- Data privacy and encryption strategies
Fintech case studies
Fintech
Streamlining access to digital banking solutions
Legacy financial institutions struggle to engage with customers efficiently due to a lack of cost-effective and modern digital channels. 10Pearls developed a comprehensive SaaS platform to provide financial institutions with on-demand, advanced web and mobile banking services.
Fintech
Personalizing core banking with AI
A fintech solutions company focused on empowering global financial institutions to deliver digital-native financial products sought to develop a highly scalable, flexible digital banking platform with integrated AI and ML capabilities.
Fintech
Simplifying digital payments
A financial technology provider sought to broaden its reach into new digital ecosystems without compromising its core business functions. 10Pearls enhanced the digital payments platform by implementing extensive integrations, ensuring improved functionality to support the provider’s growth strategy.
Fintech
Accelerating credit union innovation
Driving digital transformation within the credit union industry by giving credit unions access to a marketplace of financial and fintech services through an open development platform.
Fintech
Modernizing Finance & Procurement
A global provider of procurement, payment, and finance solutions needed to modernize their core platform to improve efficiency, quality, and user experience. 10Pearls transformed their technology stack by unifying codebases, standardizing processes, and streamlining DevOps workflows, setting a new standard for performance and scalability.
Fintech
Customizing core banking solutions
A fintech company specializing in digital banking customization for financial service providers was facing substantial drop-offs due to cumbersome and inefficient service functionality. 10Pearls developed an agile digital banking solution equipped with mobile-optimized features to seamlessly integrate with core banking, third-party, and risk mitigation services.
FAQs about fintech solutions with 10Pearls
Yes, our fintech solutions are designed for seamless integration, ensuring efficient data flow and enhanced functionality.
Security is a key focus in our fintech solutions. We employ strict measures to protect your data and ensure regulatory compliance.
Yes, we stay up to date on the latest financial regulations to ensure our fintech solutions meet all required financial and data protection regulations.
We design fintech solutions for scalability, leveraging cloud-native architectures, containerization, and distributed systems to ensure your solution can scale smoothly with growing usage and demand.
We have helped fintechs drive growth, efficiency, scalability, and personalization by leveraging a wide range of advanced technologies, like AI, blockchain, machine learning, etc. By combining technical expertise with deep domain knowledge, we help fintechs innovate with confidence while staying ahead of user needs.
Yes, we offer flexible engagement models that are customized to meet your project needs and business goals. This includes ongoing maintenance, performance optimization, compliance update, or feature enhancements.
Ready to get started?
Contact us today to discover how we can elevate your fintech solutions for greater efficiency and innovation.