Fintech App Builder
Build a fintech app in minutes for free with AI. Write in plain English or tap buttons to create your app.
How to Use the Fintech App Builder
Fintech App Builder Example
Built with Replit.
Build your vision in minutes for free without writing a single line of code.
Prompting the Fintech App Builder
Build a digital banking app with instant eKYC onboarding (automated ID checks and liveness), real-time spending insights with categorization and charts, integrated bill pay with scheduled payments and instant P2P transfers, and card controls to freeze/unfreeze, set spend limits, and enable location and merchant locks.
Build a peer-to-peer lending app with rigorous borrower verification (identity, income, and credit checks producing transparent risk grades that strengthen underwriting and lender confidence), investor loan filters (rate, term, risk grade, purpose), rules-based Auto-Invest for diversified allocation to save time and reduce concentration risk, and a secondary market to trade loan notes for early exits and portfolio optimization that boosts liquidity and stabilizes the marketplace.
Build a robo-advisor app that lets users set goals (retirement, home) to generate tailored ETF portfolios with clear goal tracking, runs a short risk profiling questionnaire to align volatility and horizon, auto-rebalances to target weights when drift thresholds are hit, and performs tax-loss harvesting with substitutes to optimize after-tax returns in taxable accounts.
Build a cryptocurrency trading app with advanced charting (indicators, order book depth, heatmaps), automated recurring DCA buys at user-defined intervals, a secure MPC or hardware-backed wallet with address whitelists and 2FA, and on-chain analytics featuring whale flows, gas trends, and token health scores for actionable signals.
Top Fintech App Features by Type
Digital Banking
Instant eKYC Onboarding
Users open accounts in minutes with automated ID checks and liveness verification. Faster onboarding reduces abandonment and speeds time-to-value for digital banking.
Spending Insights
Real-time categorization and charts show where money goes across merchants and categories. Clear insights drive smarter budgeting and deepen daily engagement.
Bill Pay & Transfers
Pay bills, schedule payments, and send P2P transfers instantly. Consolidating money movement increases stickiness and replaces legacy banking tasks.
Card Controls
Freeze/unfreeze cards, set spend limits, and enable location or merchant locks. Self-service security reduces fraud and support costs while boosting trust.
Peer-To-Peer Lending
Borrower Verification
Identity, income, and credit checks produce transparent risk grades. Strong underwriting improves portfolio performance and lender confidence.
Loan Filters
Investors filter listings by rate, term, risk grade, and purpose. Precision matching aligns risk appetite with opportunities quickly.
Auto-Invest
Rules-based investing allocates funds across diversified loans automatically. Automation saves time and reduces concentration risk.
Secondary Market
Trade existing loan notes for early exit or portfolio optimization. Liquidity attracts more investors and stabilizes the marketplace.
Robo-Advisors
Goal-Based Portfolios
Users define goals like retirement or a home and get tailored ETF mixes. Clear goal tracking keeps users invested through market cycles.
Risk Profiling
A short questionnaire assesses tolerance, capacity, and horizon. Accurate profiles align volatility with user comfort and outcomes.
Auto Rebalancing
Portfolios rebalance to target weights when drift thresholds are hit. Discipline maintains risk levels and improves long-term returns.
Tax-Loss Harvesting
Realizes losses to offset gains while preserving exposure via substitutes. After-tax optimization enhances net performance for taxable accounts.
Cryptocurrency Trading
Advanced Charting
Pro-grade charts with indicators, order book depth, and heatmaps. Better analysis supports faster, more informed trading decisions.
Recurring Buys
Automated DCA schedules for selected coins at set intervals. Smooths volatility and builds positions without market timing.
Secure Wallet
MPC or hardware-backed custody with address whitelists and 2FA. Strong controls prevent unauthorized withdrawals and build trust.
On-Chain Analytics
Whale flows, gas trends, and token health scores from blockchain data. Actionable signals help users manage risk and spot opportunities.
The Fintech App of Your Dreams
Build your vision in minutes for free without writing a single line of code.
FAQ about the Fintech App Builder
How fast can I go from idea to a deployed fintech MVP with AI?
Start in a browser-based IDE and describe your idea in natural language prompts—Replit AI Agent generates a full-stack app and runs it with a real-time preview. Follow quickstart guides like “Ask AI” or “Build from Scratch” and deploy in minutes. Use AI Assistant to refine code, fix errors, and generate docs as you iterate. You can even build and ship from the mobile app for rapid updates on the go.
What payment, banking, and messaging providers can I integrate?
Mention integration keywords like Stripe, PayPal, Twilio, Slack, or SendGrid and the Agent adds the right API SDKs and setup code. You can also connect other services via webhooks or REST APIs. For account linking and sign-in flows, include OAuth or Google OAuth in your prompt and the Agent scaffolds the flow. Bring your provider keys, and store them securely as environment variables.
How do I handle authentication, user management, and access control?
Add Replit Auth or Google OAuth via a simple prompt, and the Agent wires up OAuth 2.0/OIDC flows for sign-in. Implement session management with cookies or JWT, and let AI Assistant help with secure defaults. You can extend your app to support MFA, RBAC, passwordless, and social login using common libraries and patterns. The Assistant can generate and explain the guardrails as you evolve your access model.
Which databases are supported and how is sensitive data handled?
Use managed PostgreSQL or the built-in Replit Database (a key-value store) for persistence. The Agent can set up a schema, basic migrations, and connect your app code quickly. For PII, apply encryption, hashing, or tokenization in your app and database, and only store what you need. Keep secrets out of code and rely on encrypted connections when you deploy.
How do I manage API keys, secrets, and environment variables safely?
Store API keys and environment variables in the built-in Secrets manager instead of hardcoding them or committing a .env file. The Agent prompts you to add required secrets when integrating services, and they remain project-scoped. Rotate keys by updating the secret value and redeploying. Limit access to trusted collaborators and avoid exposing secrets in logs or client code.
Can I import existing code or designs and collaborate in real time?
Import from GitHub to bring your repo into Replit in minutes, or import from Figma to convert designs into React code. Remix any public project to jumpstart your build. Collaborate with teammates in real time with shared editing and version control, using the full-featured code editor and Visual Editor for UI tweaks. The Assistant can explain code, propose diffs, and apply safe changes on request.
What tools help me test safely, track changes, and roll back releases?
Every AI change creates Checkpoints you can Rollback to instantly, restoring code, config, and context. Review proposed diffs from the Assistant before applying, and use version control branches to test features separately. Debug issues in chat or inline with AI guidance to pinpoint errors. This lets you experiment confidently and return to a known-good state at any time.
How do I keep SDKs and compliance needs current in a changing fintech stack?
Use Web Search to pull the latest SDK updates, docs, and changelogs directly into your workflow so the Agent codes against current APIs. Replit accelerates implementation, while you remain responsible for meeting PCI DSS, SOC 2, GDPR, PSD2/Open Banking, KYC, and AML requirements for your business. The Assistant can reference provider guidance and suggest best practices, but it does not confer certifications. Keep your dependencies updated and document your controls as you ship.