Primocys

Every fintech cost guide quotes $50,000–$500,000 — all at US or Eastern European rates, none mentioning India. The architecture decision that matters more than any feature: Banking-as-a-Service, or your own money transmitter license. Here’s the honest version of both. The number you came here for Fintech app development like PayPal or Cash App costs $18,000–$40,000 for an MVP (digital wallet, peer-to-peer transfers, KYC via a third-party provider, single payment processor) at India development rates using a Banking-as-a-Service partner. A mid-tier platform with multi-currency support and AI fraud detection costs $45,000–$100,000. A full banking-style platform with its own licensing costs $120,000–$350,000+. US and Eastern European agencies quote $50,000–$500,000+ for the same scope — and none of them mention India rates as an option. Compliance work alone typically accounts for 20–40% of any fintech app’s budget, regardless of who builds it. Get a free fintech app estimate → Fintech ap...