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Fractional CTO for Fintech & Financial Services Startups

Part-time executive technical leadership with deep expertise in fintech. Secure, compliant engineering for payments, lending, banking, and investment platforms.

$35M+
ARR guided
2
Acquisitions
99.99%
Uptime
15+
Startups

Fintech Engineering Challenges We Solve

Building fintech software requires navigating complex requirements. Our fractional ctos bring hands-on experience with:

Technical Challenges

  • PCI-DSS compliance for payment processing
  • SOC 2 Type II certification requirements
  • Real-time transaction processing at scale
  • Banking API integrations (Plaid, Stripe, MX)
  • Fraud detection and risk management

Our Fintech Expertise

  • Payment processing architecture
  • Banking-as-a-service integrations
  • Real-time ledger systems
  • KYC/AML compliance implementation
  • Secure financial data handling

What Our Fractional CTOs Do for Fintech Startups

When you work with a HyperNest fractional cto for your fintech startup, you get more than technical execution. You get a partner who understands the unique challenges of building fintech products—from pci-dss compliance for payment processing to soc 2 type ii certification requirements.

Fractional CTO Responsibilities in Fintech

  • • Technical roadmap aligned with fintech regulatory requirements
  • • Architecture decisions that scale while maintaining compliance
  • • Vendor selection for fintech-specific tools and services
  • • Engineering hiring with domain expertise requirements
  • • Investor storytelling for fintech technical diligence

Why Fintech Founders Choose Us

We've built production fintech systems. Our engineers understand payment processing architecture and banking-as-a-service integrations because they've implemented them before. That means faster onboarding, fewer mistakes, and a shorter path to your next milestone.

Aravind is in the top 1% of engineers I've hired. He supported us from $100K to $5M ARR, keeping us shipping through crazy growth and investor scrutiny.
Tara Viswanathan
Co-founder & CEO, Rupa Health (Acquired by Fullscript)

Fractional CTO for Fintech FAQs

What does a Fractional CTO for Fintech startups do?

A fractional cto for fintech startups provides part-time executive technical leadership with specialized knowledge of pci-dss compliance for payment processing and soc 2 type ii certification requirements. They understand the unique technical and regulatory requirements of building fintech products.

Why do Fintech startups need a specialized Fractional CTO?

Fintech software requires deep domain expertise. Secure, compliant engineering for payments, lending, banking, and investment platforms. A fractional cto who has built fintech products before can help you avoid costly mistakes, navigate compliance requirements, and ship faster.

How much does a Fractional CTO for Fintech cost?

Fractional CTO engagements for fintech startups typically range from $10,000-25,000/month depending on scope and hours. This is often 50-70% less than a full-time hire while getting senior expertise from day one.

How is HyperNest different from other Fintech development agencies?

We embed as founding engineers and fractional CTOs directly in your team—no rotating contractors, no account managers buffering conversations. Our engineers have shipped production fintech systems and understand the domain deeply.

Ready for a Fractional CTO who knows Fintech?

Let's discuss your fintech startup and how we can help you ship faster.