Money paths that stay correct
Serialized ledgers, deposits that cannot be credited twice and daily reconciliation against bank and on-chain records, with concurrency tests on matching, settlement, deposits and withdrawals.
Fintech Development Company in Vancouver
Fintech software where every cent is accounted for.
Pieoneers is a fintech development company that designs and builds trading platforms, payment flows and compliance tools for startups and financial companies across Canada and the US. A senior Vancouver team designs ledgers, onboarding and audit trails for the rules you operate under, reviews every path where money moves, and stays on after launch.
4.9 / 5
30+ verified reviews on Clutch
2009
Building web and mobile products in Vancouver
50+
Client projects launched
Top 10
Web and mobile development company in Canada
Featured Fintech project
Teresius AI: deep learning forecasts for crypto markets
Crypto forecastingDeep learningVancouver, BC
Most crypto tools give traders a direction or a lagging indicator. Teresius AI gives specific high, low and close forecasts with error estimates attached. Pieoneers Labs trained LSTM networks on five years of Binance Futures data, added multifractal analysis to catch patterns that repeat across timeframes, and delivered the forecasts through a free Telegram bot.
6 × 6
crypto pairs and timeframes, from 30 minutes to 1 week
5 years
of Binance Futures market data behind the models
0
registrations, wallets or subscriptions needed to get a forecast
- Research and model design
- LSTM forecasting models
- Multifractal analysis
- High, low and close price forecasts
- SIGMA error and volatility metrics
- Cross-timeframe validation
- Continuous model retraining
- Telegram bot with no sign-up
“Pieoneers Labs brought genuine research discipline to the engineering process, not just technical execution.”
Why a fintech team
Fintech software development built around the money path
Financial products break where money moves: a duplicate webhook, two withdrawals racing each other, a record nobody can produce for an examiner. We design for those cases before the first screen is built.
Compliance designed into the code
We map the rules in discovery: record keeping and supervision for broker-dealers, AML and sanctions screening, PIPEDA for personal data in Canada. Audit logs, dual approval and record retention are designed to those requirements.
AI speed with senior review
We build with Claude Code and review with AI agents, but every merge gets a second human approver and documentation is kept alongside the code, so generated code never becomes unexplained debt.
One senior team, full stack
Strategy, UX, web and mobile, backend, payment integrations, QA and DevOps in one team, so the investor app, the compliance portal and the ledger are designed together.
Services
Fintech development services
Launch a new financial product, connect it to payment rails, or bring an existing platform up to the standard your investors and regulators expect.
Trading and investment platforms
Investor onboarding, order matching, auctions, portfolios and settlement for private markets, brokerages and investment products, with an admin side for your operations team.
Web development →Payments and wallet integrations
Bank wires with virtual account numbers, stablecoin deposits and crypto wallets, with webhooks verified, duplicates ignored and every credit reconciled.
Full-stack development →KYC, AML and compliance tooling
Onboarding with identity documents and tax forms, sanctions screening, and compliance portals where every approve, reject and block is logged.
AI features for financial products
Forecasting, scoring and assistants built on models from OpenAI and Anthropic, with clear limits on what data reaches a model and human review where decisions involve money.
AI development →AI-built prototype to production
Generated a working fintech prototype with Claude Code or another AI tool? We review the architecture, find the bugs on money paths and bring it to production standard.
AI prototype to production →Code and security audit
An independent review of an existing financial product: access control, ledger integrity, concurrency, dependencies and logging, with a prioritized list of fixes.
Code review & security audit →Features we build
What we build into financial products
Features we have built for fintech clients, with the tools we used for them.
Serialized ledger
Balances stay correct when deposits and withdrawals arrive at the same moment.
Go · PostgreSQL 16 · daily reconciliationMatching engine
Dutch auctions, conditional offers and limit orders, with concurrency tests.
Go · race detectorAtomic settlement
Cash and securities move together in one delivery-versus-payment step.
Go · git-backed transfer-agent recordsStablecoin deposits
USDC deposits from Phantom, Backpack and Solflare, with live status.
Wallet Standard · Solana (Anchor) · HeliusWire deposits
A virtual account number per invoice and wire instructions as a PDF.
Mercury · webhooks and pollingKYC and sanctions screening
Identity documents, tax certification and qualified-purchaser checks, screened against sanctions lists.
sanctions.io · W-9 / W-8BENPasskey sign-in
Email-first registration with passkeys, magic-link verification and bot protection.
WebAuthn · AWS WAFAudit-ready records
Supervisory audit logs and records that cannot be altered after the fact.
S3 Object Lock · audit logMarket forecasting
Price forecasts across assets and timeframes, with error estimates users can check.
Python · LSTM · Binance Futures APIChoosing a partner
Fintech specialist or general agency?
What changes when the team building your product has shipped software that moves real money.
| Compared on | Pieoneers | General app agency | Freelancers |
|---|---|---|---|
| Fintech projects in production | Vex trading platform, Teresius AI forecasting | Varies | Varies |
| Compliance and audit trails | Planned in discovery | Often added before launch | Depends on the individual |
| Testing money paths | Concurrency tests on ledger, matching, settlement and deposits | General test coverage | Mostly manual |
| AI-assisted development | Claude Code with senior review and a second approver | Varies | Varies |
| Team | Senior UX, web, mobile, backend, PM and QA | Mixed seniority | One or two people |
| After launch | Monitoring, maintenance and new features | Separate support contract | Availability varies |
Starting from code an AI tool generated? See how we take AI prototypes to production.
How we work
From first call to a live fintech product
Weekly video check-ins, daily updates in Basecamp, designs in Figma and documents shared through secure channels.
Step 1
Review your project
- Existing materials, systems and money flows
- Regulatory requirements and technology strategy
Step 2
System and product design
- UX workshop, flowchart, wireframes
- Agreed features, ledger model and timeline
Step 3
Development and launch
- Sprints with testable builds and a second approver on every merge
- QA, concurrency tests and deployment
Step 4
Documentation and support
- Technical documentation kept alongside the code
- Monitoring, maintenance and new features
Your team
Meet the senior team behind your fintech product
You work directly with the engineers who plan, design and build your product, not with account managers.
Andrew Manshin
CTO, System Architect
Sets the technical direction and architecture for every project, from the first estimate to production.
Vasily Reys
Full-Stack Developer, engineering lead
Leads engineering on Vex, from the first investor app to the AI-assisted review of the Go platform.
Aleksey Ponomarev
UX, Web and Mobile Developer
Connects UX and engineering, building interfaces that make complex financial flows easy to follow.
Get started
Tell us where your fintech product is today
Whatever the stage, the first step is a free consultation with a senior engineer and our product manager.
New fintech product
We help define the MVP, the money flows and the rules that apply, then send an estimate.
AI-built prototype
We review the generated code, find the risks on money paths and outline a plan to production.
Existing platform
We review the code, ledger and integrations and outline a plan to stabilize, secure or extend it.
Portfolio
More platforms we've delivered
A FINRA-regulated trading platform for private startup stock, amplified by AI
Turning a decades-proven GTM methodology into an AI-powered assessment platform
The Sosido platform simplifies information exchange, fosters idea sharing, and enhances collaborations among healthcare professionals.
Innovative mobile application and web platform with integration to medical imaging and health data
Client reviews
What clients say about working with us
Senior engineering judgment with real fluency in AI coding tools; their code review caught critical issues before production.
Strategic partners rather than just developers: they anticipated needs on both the technology and product side.
When our host dropped support for our Rails version, they containerized the platform quickly and economically and met the deadline.
4.9 average from 30+ reviewsRead all reviews on Clutch
FAQ
Fintech development FAQs
How much does it cost to build a fintech app?
It depends on scope: the user roles, the payment rails, the compliance tooling and the integrations with banks, wallets or market data. Most of our product builds fall between $50,000 and $200,000, and regulated platforms are often released in stages. After a free consultation we send an estimate broken down by feature, so you can decide what goes into the first release.
How long does fintech development take?
A focused MVP typically takes a few months from planning to launch. With AI-assisted development and senior review it can be faster: the Go platform behind Vex went from its first commit to production in 39 days. You get a timeline with milestones before development starts.
Can you build software that meets FINRA, SEC or AML requirements?
We design and build software to the requirements that apply to your product. For Vex that meant supervisory audit logging, trade confirmations, records preservation with S3 Object Lock, sanctions screening, dual approval and a decision log for every compliance action. In Canada we also design for PIPEDA and provincial privacy acts.
Compliance also depends on your policies and procedures, so we work alongside your compliance officer or legal advisor rather than replacing them.
Can you integrate banks, payment providers and crypto wallets?
Yes. We have built wire deposits through Mercury with a virtual account number per invoice, USDC deposits on Solana from Phantom, Backpack and Solflare wallets, and sanctions screening through sanctions.io. For other providers we start by reviewing their API, sandbox and webhook guarantees.
Can you take an AI-generated fintech prototype to production?
Yes. On Vex, the CEO generated a Go rewrite with Claude Code. We reviewed it within a week, then ran a deep code review with AI agents that flagged issues on money paths, such as a deposit that could be credited twice, so they were fixed before real money moved.
Can financial data be stored in Canada?
Yes. We deploy on AWS or Google Cloud and can keep data in Canadian regions when your regulators, partners or customers call for it.
Can you add AI features to a financial product?
Yes. We build forecasting, scoring and assistants on models from OpenAI and Anthropic. In financial products we define which data may reach a model, keep a person in the loop for decisions that involve money, and log what the AI produced.
Who owns the source code?
You do. Under the Copyright Act in Canada, ownership of the code transfers to you with each paid iteration, and you own all of it when the project is complete.
What happens after launch?
We offer ongoing support and maintenance: monitoring, security and dependency updates, regular releases and new features planned against your roadmap.
Related services
Planning a fintech product?
Let's talk about your idea, the money it moves and what it takes to launch.
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