On your rails
We integrate to your existing core, BaaS or processor through an adapter. No migration, no new regulated provider, no change to who holds the funds.
Your licence deserves
a product
Customer app and back office for licensed EMIs and PIs — built on your own rails, to a fixed scope and date, with the exit priced before you sign.
Book an assessment
Built for regulated payments firms
You keep your licence, your core and your customers. We build what they see.
What you get
Everything your customers and your ops team touch — on top of the core you already run
Fixed scope, fixed date
Scope, price and delivery date are agreed after a paid technical discovery of your APIs — before the build contract is signed, not after.
Yours to keep
One-time licence. No per-user or per-transaction fees. A buyout price and source-code escrow are written into the contract from day one.
Built to pass due diligence
Outsourcing annex, audit and access rights, security documentation and an exit plan are ready for your compliance team to review.
Start from your situation
Which one are you?
Licensed payments firms come to us at one of four moments. The build is similar; the clock and the priorities are not.
Your app is web-only or out of date
Your licence and rails work. Your customers are comparing your portal with Revolut and Wise.
- Native iOS and Android apps
- Modern onboarding on your KYC provider
- Same core, same balances, same ledger
- Web portal retained or replaced
Customers stop leaving because of the app
Discuss your app
Scope
What’s inside the build
Every build starts from the same production-tested modules, then is fitted to your product, your brand and your core’s APIs.
You choose what is in scope for launch. Anything left out can be added later without rework.
Onboarding & KYC flows
Accounts & balances
Payments & transfers
Cards
FX & remittance
Business accounts & roles
Notifications & messaging
Content & campaigns (CMS)
Support & disputes
Back office & analytics
How it works on your core
Your core stays the source of truth
The app and back office read and write through your APIs. Balances, ledger, safeguarding and scheme connections stay exactly where they are today.
An adapter, not a migration
We build a thin integration layer between the apps and your core or BaaS provider. If you change provider later, the adapter changes — the apps do not.
Discovery of your APIs is a paid, fixed step before the build price is set, so neither side is guessing.
Roles for your whole team
Compliance, operations, support and finance each get their own access level in the back office, with every action attributed to a named user.
Every transaction, end to end
Status, fees, FX and failure reasons are visible to the customer in the app and to your team in the back office — from the same data, at the same time.
Limits and fees without a release
Your ops team changes limits, fee tables and KYC tiers in the back office. No app-store submission, no developer ticket.
Reporting your auditors can use
Exportable records for reconciliation, customer-level activity and operational KPIs — a full audit trail behind every number.
Works with what you already run
Your core, your BaaS, your KYC provider
Equals Money
ConnectPay
Currencycloud
railsr
TrueLayer
SWIFT GPI
Sumsub
OnfidoCAComplyAdvantage
AMLBot
FraudLabs Pro
Google Cloud
AWS
Firebase
Stripe
Sift
Twilio
Infobip
Vonage
SendGrid SMS
MessageBird
Mixpanel
Amplitude
Freshdesk
Zendesk
FinixIf your provider has an API, we can build on it. Providers we have already integrated are faster; new ones are scoped in discovery and priced before you commit.
We do not resell or replace your regulated providers, and we take no share of your transactions.
For your compliance team
Built to get through your outsourcing review
Finamp is a software supplier, not a regulated firm. We do not hold funds, touch safeguarding accounts or provide payment services. Here is what we give your compliance team to assess us.
What you own
You buy it once. You can leave whenever you want.
One-time licence
You pay for the build, not rent for the software. After launch there is a small annual licence fee and nothing per user.
No transaction fees
We take no percentage of your volume and no fee per payment. Your unit economics stay yours as you grow.
A buyout price in the contract
The price to own the source code outright is agreed before you sign — not negotiated when you are already dependent on us.
Source code in escrow
From day one. If we fail to support you, the code is released to you.
Fixed scope, no surprises
Change requests are priced before work starts. The number in the contract is the number on the invoice.
Support after launch
OS updates, scheme and regulatory changes, new features. Monthly plans with reserved hours and response times in writing.
Compare that with a platform subscription: the monthly fee never ends, and the day you stop paying, you have no product.
How we engage
Three steps. Each one agreed before you take it.
You never commit to a build before you have seen your own product working and your integration scoped. Each step has a fixed price, quoted in writing before it starts.
Step 1
Assessment
A structured review of your current customer experience, your core’s APIs and your launch constraints.
You get a written scope, a risk list and fixed quotes for the next two steps. About two weeks.
Book an assessmentStep 2
Branded demo
Your brand, your flows, your product — running as a real app on test data, in about two weeks.
The demo fee is credited in full against the build if you go ahead. If you do not, you keep the designs.
Ask about the demoStep 3
Build & launch
Fixed-scope delivery of customer apps and back office on your rails, typically four to six months from signed scope to go-live.
Followed by a monthly support plan. The buyout price is stated in the contract.
Discuss your buildWhat happens next
From first call to live product
Each step ends with something you can show your board — and a decision point where you can stop.
Assessment
We review your current experience, your core’s APIs and your constraints. You receive a written scope, risks and fixed prices.
Branded demo
Your product as a working app on test data. You see it in your customers’ hands before committing to a build.
Technical discovery
We test your APIs end to end and fix the integration design. The build price and date are confirmed only after this.
Build
Fortnightly releases to a test environment your team can use. Compliance and ops are involved from the first sprint, not the last.
Go-live
App-store submission, controlled rollout to your customers, and on-call support through the first weeks.
Support & growth
A monthly plan for updates, regulatory changes and new features — with the buyout option open throughout.
Book a call
Start with a 30-minute call
Tell us your licence, your core and your deadline. We will tell you honestly whether we are the right fit — and what it would cost to find out.
Frequently asked questions
No. We build on the provider you already use, through its APIs. If you later switch provider, the integration layer is replaced and the apps stay as they are.
No. We are a UK software company. You remain the regulated entity; we never hold funds, access safeguarding accounts or provide payment services. We support your outsourcing due diligence with a contract annex, audit rights and documentation.
You license it for a one-time fee and can buy it outright at a price fixed in the contract. Source code is held in escrow from the start.
In three fixed-price steps: a paid assessment, a branded demo whose fee is credited in full against the build, then the build itself. Support is a monthly plan. There are no per-user or per-transaction fees. We quote each step in writing before it starts.
A branded demo takes about two weeks. A full build is typically four to six months from agreed scope to go-live, depending mostly on how ready your provider’s APIs are.
Either. If the existing code is sound we can extend it; if it is a legacy web portal or an abandoned build, replacing it is usually faster and cheaper. The assessment answers this.
Yes. New providers are scoped during technical discovery and priced before you commit to the build.
You choose a monthly support plan with reserved hours and written response times. It covers OS updates, regulatory and scheme changes, fixes and new features.