The category
Client-owned FinTech infrastructure.
A production-ready financial platform that you own, customize, deploy in your own environment, connect to your own providers, and keep developing with a dedicated engineering team.
It exists because the two usual options force a trade. Buying source code gives you ownership and leaves the implementation to you. Renting a platform gives you implementation and keeps the deployment, the provider list, and the roadmap.
Discuss your launchNot a source-code product
The foundation arrives with an implementation team, provider integration work, security hardening, QA, documentation, and a maintenance period. You are not handed a repository and left to staff it.
Not a white-label platform
You hold the source code and the deployment. You select your own KYC, banking, and card providers rather than choosing from a vendor list, and your roadmap is not queued behind another company's backlog.
Not custom development
Ledger, accounts, transaction handling, admin tooling, and mobile applications already exist and run in production elsewhere. The work is your business model, not commodity financial plumbing.
Ownership
What you control under each model.
Four ways to get a financial product into production. They differ in what you hold at the end.
Source-code product
Yours
Yours
Yours
Yours
Minimal
White-label platform
Vendor
Vendor
Vendor list
Vendor backlog
Included
Custom build
Yours
Yours
Yours
Yours
From zero
AppDevs Finance
Yours
Yours
Yours
Yours
Included
By default, every product family ships with full source code under the engagement agreement. Any exception is stated in the proposal, in writing, before you sign.
What you keep
Own the outcome, not just a licence.
Own the source code
You receive the application source for the platform you deploy, under the terms of your agreement, and your engineers can read, modify, and extend it.
Deploy where you choose
Your AWS, GCP, or Azure account, or your own data centre. Your infrastructure team holds the keys and the access controls.
Select your own providers
Your KYC vendor, your sponsor bank, your card processor, your payment rails. Integration work is scoped and priced as part of the engagement.
Control the roadmap
What gets built next is your decision. Your priorities are not queued behind another company's product backlog.
Keep the same engineering team
The engineers who implemented the platform stay available through managed maintenance, an SLA, or a dedicated squad.
Leave without a rebuild
Because you hold the code and the deployment, ending the engagement does not end the product. That is the difference between a supplier and a dependency.
Architecture and deployment
Draw the line, then build on your side of it.
Every financial product has a boundary. Inside it sits what you own and operate. Outside it sit the regulated providers you contract separately. The useful question is where the line falls and who is accountable on each side.
Your cloud or data centre
Source code owned by you
Client applications
- Web app
- iOS app
- Android app
- Admin console
Core platform
- Accounts & ledger
- Wallets & balances
- Transfers & transactions
- Card modules
- Corridors & FX
- Limits & controls
Platform services
- KYC orchestration
- Notifications
- Reporting
- Roles & audit logs
- REST APIs & webhooks
Integrations built and maintained by AppDevs; contracts held by you
Your regulated providers, outside the platform
- KYC / KYB
- AML screening
- Sponsor bank / BaaS
- Card issuing
- Payment rails
- SMS & email
The platform runs in your own AWS, GCP, or Azure account. Your infrastructure team holds root access and the deployment pipeline.
INSIDE YOUR BOUNDARY
YOU OWN AND CONTROL
OUTSIDE YOUR BOUNDARY
REGULATED OR SPECIALIST PROVIDERS YOU CONTRACT DIRECTLY
You hold the cloud account, the source code, the data, and the deployment. AppDevs implements, hardens, documents, and continues development inside your environment.
API connectivity
REST APIs and webhooks across accounts, transactions, and provider events, for your own engineers as well as ours. Provider connections sit behind internal interfaces, so replacing a KYC vendor or adding a second acquirer is an integration change rather than a platform change. The full API reference is shared during technical evaluation.
Permissions and audit
Role-based access control across the admin console, with action logging on operational and financial events. In your own cloud or data centre, you set and control log retention and export policies, because the logs live in your infrastructure. For AppDevs-managed deployments, retention windows are agreed per engagement.
Operational resilience
Backup, monitoring, and recovery targets are set per engagement against your availability requirements rather than assumed. Recovery objectives are agreed in writing in the SLA. In client-cloud deployments they are bounded by the infrastructure tier you choose, not by a shared platform's ceiling.
Documentation
Architecture documentation, API reference, deployment runbook, and admin guidance are delivered as part of the implementation, not sold separately.
Review the architecture with an implementation lead, not a sales deck.
Discuss your launchSecurity & compliance posture
Card flows are engineered to keep sensitive card data out of your platform: primary account numbers stay with your certified issuing and acquiring providers through tokenized integrations, and the platform works with tokens and references instead of raw card data. That design keeps your own PCI DSS scope contained. The platform supports the audits you commission; it does not replace them.
AppDevs does not hold formal security certifications today, and will not claim otherwise. What every engagement does include: security hardening, encryption in transit, role-based access control with action logging, and support for the external audits and penetration tests you commission during the testing phase. Certifications will be published here if and when they are earned.