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Stealth-Stage Startup | Final Contract Negotiations | April 2026 Go-Live | Cash + Equity Who We're Looking For We are a stealth-stage fintech company in final negotiations for a transformational partnership with a major telecommunications operator (100+MM subs). Our go-live date is mid-April 2026. We need an experienced development partner who can move fast, deliver production-grade code, and handle the pressure of a hard deadline with significant commercial implications. We're seeking a small-to-mid-size technology company or development team with a proven track record in financial technology, payment systems, or telco integrations. You must have delivered similar projects before—not individuals piecing together a team, but an established company with infrastructure, processes, and verifiable references. What We Need Project Scope: - Enterprise-grade digital financial services platform - Native iOS and Android applications - Web admin portal and user dashboard - USSD integration for low-bandwidth markets - Mobile money platform integration - Backend API (Python/FastAPI, ~55 functions across 5 modules) - Comprehensive documentation and testing (80%+ coverage non-negotiable) Timeline: 6-8 weeks intensive development, starting immediately Architecture: Modular monolith optimized for 2G networks and emerging markets Required Qualifications Company Requirements: - Established firm with 3+ years operating history - Similar project experience: Financial services, payment systems, mobile money, or telco integrations (proof required) - Portfolio: Live applications in production with verifiable references - Process maturity: Git workflows, CI/CD, code review practices, project management tools Technical Requirements: - Backend: Python (FastAPI preferred), PostgreSQL, API design - Mobile: Native iOS (Swift/SwiftUI) and Android (Kotlin/Compose) development - Frontend: React/[login to view URL], TypeScript - DevOps: CI/CD pipelines, monitoring, deployment automation - Integration: Experience with USSD, SMS gateways, payment APIs - Proof of Experience Required: - You must demonstrate proven experience through: - Case studies of similar projects (fintech, payments, mobile money) - Live applications we can review (App Store/Google Play links) - Client references we can contact - GitHub repositories or code samples (can be anonymized) Why This Opportunity Compensation: Cash component and equity option: For firms interested in long-term partnership Ongoing work: Post-launch maintenance, Phase 2 features, potential multi-year engagement Strategic Value: - Ground-floor opportunity - Exposure to major telecommunications operator partnership - Once successful, this becomes your flagship fintech case study - Potential for follow-on contracts as we expand to additional markets Clear Path: - We're not shopping around indefinitely—we need to move now - Decision will be made within 5 days of posting - Contract signed and work starts immediately upon selection What We're NOT Looking For ❌ Individual freelancers assembling a team ❌ Companies without verifiable fintech/payment experience ❌ Agencies that outsource to unknown subcontractors ❌ Teams that treat documentation as optional ❌ Anyone who can't start immediately How to Apply Step 1: Read the Full Technical Scope Download the attached Technical Scope of Work document (comprehensive 15-page specification) Step 2: Submit Your Proposal (1-3 Pages, PDF Format) Your proposal should address: Company Overview: - Years in operation - Team size and composition - Core competencies and specializations Relevant Experience: - 2-3 most relevant projects (financial services, payments, telco) - Brief description of your role and outcomes - Links to live applications - Client references (name, contact, relationship) Technical Approach: - How you'll meet our documentation requirements - Your testing and QA process - Your project management methodology - Tools and infrastructure you'll use Team Composition: - Specific developers assigned to this project (names, roles, experience) - Availability and start date - Time zone and overlap with US Eastern Time Timeline & Budget: - Your estimated timeline (week-by-week milestones) - Your budget proposal (breakdown by role/phase) - Any assumptions or risks you've identified Proof of Capability: - Links to GitHub repos, live apps, case studies - Any relevant certifications or partnerships - Why you're the right partner for this project Step 3: Send Your Proposal Our Commitment to You - 24-hour response: We'll review and respond within 24 hours of submission. Respect your time: If you're not a fit, we'll tell you immediately Fast decision: Selected partner announced within 6 days Clear communication: No ghosting, no endless rounds, no scope creep Timeline Today: Posting goes live Next 5 days: Review proposals, conduct interviews Day 6: Partner selected, contract negotiations begin Day 7-9: Contract signed, onboarding begins Week 1: Development kickoff Weeks 2-7: Intensive development with weekly milestones Week 8: Production deployment and handover Mid-April 2026: Commercial go-live with major telecommunications partner Questions? Q: Why the tight timeline? A: Our commercial partnership has a contracted go-live date. This is a real deadline with significant business implications. Q: Can we negotiate the scope? A: Scope is largely fixed, but we're open to phased delivery if you have a compelling approach. Q: What if we need more than 8 weeks? A: We have some flexibility, but April go-live is non-negotiable. Propose your realistic timeline. Q: Cash vs. equity split? A: Your choice. We can structure as 100% cash, 100% equity, or a mix. Equity terms negotiable based on firm and commitment. Q: Do you have designs? A: Wireframes and user flows will be provided. We need implementation, not design from scratch. Q: What about IP ownership? A: Standard work-for-hire. You build, we own. Open to discussing shared IP for generic components if that makes sense. Final Note We're a serious startup with a major partnership in final negotiations. This is not a speculative project—we need production-grade code delivered on a hard deadline. If you're an established development firm with proven fintech experience and you're ready to move fast, we want to hear from you. Read the attached Technical Scope of Work. Send your 1-3 page proposal. We'll respond within 24 hours. Let's build something significant together.
Proje No: 40068432
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143 freelancer bu proje için ortalama $14.587 USD teklif veriyor

A Warm Hello! We are readily available to start working on this project! We are established technology company specializing in fintech platforms, payment systems, and telecom-integrated digital services. We have been operating for 13+ years and have delivered production-grade financial systems used by millions of end users across emerging and developed markets. We understand the urgency, the commercial stakes, and the expectations. We are ready to start immediately, commit senior resources, and deliver production-grade software aligned with your April 2026 go-live. We have reviewed the scope and are prepared to move forward. Let’s build something significant. Regards Ana
$20.000 USD 70 gün içinde
9,8
9,8

I am a seasoned developer with over a decade of experience in web and mobile development, specializing in fintech solutions and blockchain technologies. I understand the urgency and importance of your project's tight timeline and high-stakes commercial implications. In the past, I have successfully delivered projects in the financial services and payment systems domain, including telco integrations. My track record includes building native iOS and Android applications, web admin portals, and backend APIs that meet the highest industry standards. I am equipped to handle the comprehensive requirements of your project, including USSD integration, mobile money platform integration, and backend API development using Python (FastAPI) and PostgreSQL. My team's expertise in CI/CD pipelines, monitoring, and deployment automation ensures a smooth development process. I am ready to hit the ground running and deliver production-grade code within your timeline. Let's discuss how we can partner to make your project a success. Feel free to contact me to take the next steps towards building something significant together.
$16.000 USD 75 gün içinde
8,9
8,9

Hello , Nice to meet you! I will design and develop mobile application with web admin panel according to your requirement , ping me on chat so we can discuss this more. I am expert and 9 years experienced Android /iPhone app developer with backend work that you are looking for. I will provide you perfect product as you want so you would be happy with it. I am always ready to discuss about your project in detail as well as start from right now. The following are my services that i provide :- 1. Daily or Weekly update. 2. Clean and Robust code. 3. Responsible for communication for more than 15 to 20 hours each day. 4. Free Bug-Fix support for 1 year after completion. 5. Source code delivery. You can have a look at my profile by this link : https://www.freelancer.com/u/shyamvijaywargiy Let's contact me to discuss further details with me. Thanks Shyam
$10.000 USD 35 gün içinde
9,0
9,0

With cash and equity options and the potential for ongoing work, this project offers a significant long-term value that I'd love to be part of. I’ve been in the technology industry for over three years, delivering mobile apps and websites across diverse industries—so I am no stranger to fast-paced, high-pressure environments with strict deadlines. My skillset spans across Android, iOS, Python, and Website Design, all of which will be invaluable for your FinTech platform development. My deep experience includes working on financial systems, payment gateways, and a variety of integrations similar to those required in this project. Thereby, I have a good grasp of USSD integration for low-bandwidth markets and mobile money platforms. Lastly, my proficiency in CI/CD pipelines, code review practices and project management tools guarantees the completion of this project in time. This isn't just about one contract; it's about building a thriving business together. My commitment is not only to meet your immediate needs but also set you up for ongoing success as your flagship fintech case study. It would be an honor to be entrusted with your transformative project. Let's start today!
$20.000 USD 90 gün içinde
9,3
9,3

Dear dontucal, We carefully studied the description of your project and we can confirm that we understand your needs and are also interested in your project. Our team has the necessary resources to start your project as soon as possible and complete it in a very short time. We are 25 years in this business and our technical specialists have strong experience in Python, Website Design, Mobile App Development, iPhone, Android, Testing / QA, Cloud Computing, PostgreSQL, API Development, FinTech and other technologies relevant to your project. Please, review our profile https://www.freelancer.com/u/tangramua where you can find detailed information about our company, our portfolio, and the client's recent reviews. Please contact us via Freelancer Chat to discuss your project in details. Best regards, Sales department Tangram Canada Inc.
$15.467 USD 5 gün içinde
8,8
8,8

Hi there, I'm Lei, a software developer with over 18 years of experience. I have carefully reviewed your project requirements and am confident in my ability to deliver exceptional results. For the FinTech Platform and Apps development project, I will leverage my expertise in mobile development, specifically Flutter for the past 3 years, to create native iOS and Android applications. Additionally, my background in backend development will ensure a seamless integration with server-side architecture, APIs, and database design. With a focus on performance and efficiency, I aim to deliver a high-quality solution that meets your specifications. My portfolio showcases my past successful projects, which can be viewed https://www.freelancer.com/u/mikelilei82 I am a top-ranked freelancer in the Flutter and iOS categories, with a proven track record of delivering end-to-end app solutions. I am excited about the opportunity to collaborate on this project and would like to discuss further details with you. Please initiate a chat to take this conversation forward. Thanks, Lei
$10.000 USD 7 gün içinde
7,7
7,7

Hi, this is Elias from Miami. I’ve carefully reviewed the brief, and I understand you’re looking for an established development partner (not individuals) to deliver a production-grade fintech platform under a hard April 2026 go-live, including native iOS/Android apps, USSD, mobile money integrations, and a FastAPI backend—backed by serious testing, documentation, and process maturity. I represent a senior full-stack team that has delivered fintech and telco-adjacent platforms under strict commercial deadlines, including payment systems, mobile money integrations, and high-availability APIs. We’re used to working with fixed timelines, CI/CD, rigorous QA (80%+ coverage), and enterprise handovers. This kind of pressure-driven, business-critical delivery is exactly where we operate best. We can start immediately, assign a dedicated team, and align with your modular monolith architecture optimized for low-bandwidth markets. A few focused questions to ensure fit before proceeding: Q1: Is the USSD flow already fully specified in the technical scope, or do you expect protocol/flow design support as part of delivery? Q2: Will mobile money integrations target one provider initially or multiple (e.g. MTN, Airtel, Orange) within Phase 1? Q3: Do you require formal security reviews (penetration testing, compliance checks) before production launch, or post-go-live? Happy to submit a structured PDF proposal with references, live apps, and timelines immediately. Regards, Elias
$10.000 USD 70 gün içinde
7,5
7,5

We've successfully completed similar fintech projects, and our expertise aligns perfectly with your requirements. Understanding the urgency and scale of your fintech platform, we are poised to deliver a robust, enterprise-grade solution with native iOS and Android applications, a web admin portal, and comprehensive backend API support using Python and FastAPI. At Puru Gupta, we're in the top 1% on Freelancer.com, boasting over 200 satisfied clients and 8+ years of experience. Our background in AI-first product development, automation, and intelligent systems equips us to handle the technical demands of your project, including USSD integration and mobile money platform integration, optimized for emerging markets. Our track record in similar fintech and telco integrations, coupled with our end-to-end expertise in web platforms and scalable applications, ensures we can meet your April 2026 deadline without compromising quality. We follow strict documentation and testing protocols, ensuring over 80% test coverage and robust CI/CD practices. Q: Could you specify any additional flexibility in the timeline or scope? Q: How do you envision the equity structure in the long-term partnership? We invite you to review our attached portfolio for further insights into our past projects. Let's discuss how we can bring your fintech vision to life efficiently and effectively. Looking forward to partnering with you, Puru Gupta
$20.000 USD 44 gün içinde
7,7
7,7

Hello, "As an established firm powered by an experienced team, Live Experts® LLC possesses all the qualifications and more that your unique project demands. Over the last three years, we have been delivering on projects that mirror the complexity and magnitude of your fintech platform and apps development. Our expertise spans across essential facets you've defined, from backend design using Python (with a preference for FastAPI) and PostgreSQL to native iOS/Android development using Swift/SwiftUI and Kotlin/Compose. With a stellar track record, we can demonstrate our process maturity in Git workflows, CI/CD, code review practices, project management tools to en- sure 80%+ coverage of comprehensive documentation." "Choosing us as your development partner guarantees a deep partnership where we bring not only our skills but also our strategic value. This is an opportunity to be involved in a ground-breaking project with major telecommunications operator partnership visibility. In the long run, this project becomes your flagship fintech case study which potentially opens doors to future opportunities in additional markets. One key attribute that makes us stand out is our commitment to not treating your project with the 'one-size-fits-all' model. We tailor our services to meet your exact demands and deadlines." "This is not just about getting work done but transforming your ideas into reality within the stipulated timeframe. We understa Thanks!
$20.000 USD 6 gün içinde
7,4
7,4

Mirroring your urgency, we, at Carol Data Technology, have perfected our processes to efficiently deliver complex financial services solutions. Our decade-long experience crosses paths with your project's tech stack substantially. From Python and PostgreSQL to native iOS (Swift/SwiftUI) and Android (Kotlin/Compose) platforms, we’ve done it all! Moreover, our expertise in FastAPI-design backend APIs and USSD integrations makes us a well-rounded choice. Aside from just the technical finesse, Carol Data possesses a reliable operational history of ten years and a highly efficient team capable of rapid development without compromising quality. We take documentations seriously and maintain over 80% line coverage in testing - an aspect non-negotiable for us. By selecting us as your development partner, you gain access to a whole suite of skills and competencies that align precisely with your project's needs. Our flexibility to adapt to evolving technologies garnered our clients' trust over the years. Reflected in our ISO 9001:2008 certification is also the promise of error-free service for 45 days post-launch with continued support thereafter."
$10.000 USD 25 gün içinde
7,5
7,5

Hello there. We can start immediately and fully commit to the 6–8 week intensive timeline. I can help you move fast without breaking things. We work with clean Git workflows, proper QA, CI/CD, and clear documentation so your team and partners can confidently go live. Our mobile apps are built natively (Swift and Kotlin), the backend is modular and scalable, and we’re comfortable working with USSD, SMS gateways, and low-bandwidth environments. Do you already have a preferred mobile money provider for the first launch? Is USSD performance on 2G networks a hard requirement from the telco partner? Do you want the admin portal fully production-ready at launch, or can some features be phased post go-live? Let me share my past work in chat. How about a virtual cup of coffee? Let's connect. Best Mayank
$15.000 USD 7 gün içinde
7,4
7,4

Hello there Hope you are doing well as you are looking for a "Build a FINTECH MOBILE APPLICATION FOR ANDROID AND IOS " so will make the same as you want , I have already develop and Design the so many Application , - I will use latest technology to develop your Application - I will share daily update with you - I Will deliver your project within timeline - After project completion will share complete source code - I will provide 1 year support our develop work - I have 10+ year experience in Web & App development - I will make the 100% responsive design , fast loading , SEO friendly and all - I will provide you super admin panel there you can manage the whole thing Please initiate the chat so will discuss together and all Thanks & Regards Dheeraj K.
$10.000 USD 50 gün içinde
7,2
7,2

Dear Stealth-Stage FinTech Startup Team, What if you could see a working prototype of your iOS, Android, and backend API integration within 48 hours—before any commitment—to validate our technical approach matches your April go-live requirements? Smith brings 10+ years of proven fintech delivery expertise, having successfully built enterprise-grade payment platforms and mobile money solutions for telecommunications operators across emerging markets. We understand your hard deadline isn't negotiable, and we're prepared to deploy a dedicated team immediately with production-grade Python/FastAPI backend, native Swift/Kotlin mobile apps, and the rigorous 80%+ test coverage your platform demands. We're ready to move fast, deliver excellence, and become your flagship fintech case study—but more importantly, we're committed to your April success. Let's discuss our detailed execution plan, review our live case studies, and connect with our telecom operator references who can verify our delivery under pressure. Can we schedule a brief call this week to walk through our technical roadmap and demo framework? Regards, Smith
$15.000 USD 7 gün içinde
6,5
6,5

Hi dontucal, Hi, We are excited about the opportunity to partner with your team and deliver a production-grade fintech platform aligned with your April 2026 go-live. Our firm has extensive experience in financial technology, mobile money, and telco integrations, and we thrive in fast-paced, high-stakes environments like yours. Company Overview --> Years in Operation: 10+ years --> Core Competencies: Fintech platforms, payment systems, USSD integration, API-first architecture, secure mobile applications, scalable cloud deployments Relevant Experience --> Native iOS/Android app, FastAPI backend, USSD integration, 500k+ active users. [Live App Links] --> Multi-country telco APIs, Python backend, React dashboard, PCI DSS compliant. [Case Study/Reference] --> End-to-end loan origination & servicing, FastAPI + PostgreSQL + React, production-ready for multiple partners. We are an established fintech development firm with a proven track record in native iOS/Android apps, Python/FastAPI backend, USSD/mobile money integrations, and modular monolith architectures, ready to deliver production-grade code for your April 2026 go-live with full documentation, QA, and immediate start. I will focus on your requirements. I worked on similar projects and can share upon request. Let’s discuss timeline and budget based on these details via chat. Regards, Atta
$14.000 USD 25 gün içinde
6,3
6,3

Projects like this excite me because they push me and keep the work interesting. I understand you seek an experienced development partner capable of delivering a cohesive, enterprise-grade fintech platform under a tight timeline, prioritizing integrated features like USSD and mobile money capabilities. With over five years in fintech and a proven track record in delivering streamlined applications, I ensure practical, measurable results that align with your vision. Happy to outline how I would turn this plan into a working solution. Chat soon, Anne S
$14.000 USD 7 gün içinde
6,1
6,1

Hello! As per your project post, you are looking to build an enterprise grade digital financial services platform spanning USSD mobile access, iOS and Android applications, and a web portal, specifically designed for underserved and low connectivity markets. The goal is to deliver a secure, telco integrated fintech solution that supports savings groups, payments, and notifications while maintaining strict compliance, performance, and documentation standards. My focus will be on delivering a modular yet scalable fintech platform aligned with your detailed technical scope, featuring phone number based authentication, USSD session management, group savings workflows, mobile money payment processing, and real time notifications across SMS, mobile apps, and web. The system will be engineered to perform reliably on 2G and 3G networks, with offline support on mobile, strong auditability, and enterprise level security baked into every layer. I specialize in Python FastAPI backends, PostgreSQL data modeling, USSD and SMS integrations, and fintech grade mobile and web applications using SwiftUI, Kotlin Compose, and React with Next.js. My approach emphasizes clean architecture, strict requirement traceability, automated testing coverage. Let’s connect to review team composition, confirm delivery milestones, and align on documentation, traceability, and deployment strategy to ensure this platform launches securely and scales smoothly. Best regards, Nikita Gupta.
$10.000 USD 45 gün içinde
5,7
5,7

Dear Hiring Team, I am writing to express my team's keen interest in partnering with your stealth-stage fintech company for the development of your transformative platform and applications. With a focus on delivering production-grade code and meeting hard deadlines, we are well-equipped to handle the pressure and complexities of your project. Our company, with over 5 years of experience in financial technology and payment systems, has successfully delivered similar projects in the past. We have a proven track record in developing enterprise-grade platforms, native mobile applications, and backend APIs using technologies such as Python, FastAPI, Swift, Kotlin, React, and more. We understand the importance of comprehensive documentation, testing, and process maturity, and we are committed to meeting your requirements efficiently and effectively. Our team is ready to start immediately and work intensively to ensure a successful launch by mid-April 2026. We are excited about the opportunity to collaborate with you and bring your vision to life. Please find our detailed proposal attached for your review. Looking forward to the possibility of working together. Best regards,
$10.000 USD 7 gün içinde
5,2
5,2

Hi, We are an experienced fintech development firm ready to deliver your production-grade iOS, Android, and web platform on an accelerated timeline, with proven expertise in mobile money, USSD integrations, and enterprise payment systems. Can we discuss on chat. Regards Abhishek
$15.000 USD 7 gün içinde
5,5
5,5

Hi dontucal, Which mobile money providers and USSD aggregators are already confirmed with the telecom partner, so the integration layer can be designed correctly from week one? I can offer you a focused, production-ready delivery approach built for hard deadlines and regulated environments. I’ve worked on fintech and payment platforms where reliability, documentation, testing, and fast execution were non-negotiable. For your project, I would set up a modular backend with FastAPI and PostgreSQL, strict API contracts, automated testing from day one 80%+ coverage, and CI/CD pipelines to support rapid iteration. On the product side, I’ll ensure native iOS and Android apps feel truly native, integrate cleanly with USSD, mobile money, and SMS gateways, and stay optimized for low-bandwidth markets. Weekly milestones, transparent reporting, and production-grade documentation would be part of the baseline, not an afterthought Based on your scope, I suggest a phased 6–8 week execution: first locking core backend APIs and integrations, then parallel mobile and web development, followed by a dedicated stabilization and store-approval phase. This reduces risk against the April 2026 go-live while keeping room for phased delivery if needed. I’m comfortable working with fixed scope, milestone payments, and a cash + equity structure for a long-term partnership, and I can start immediately. Best regards, Aliza K,
$14.500 USD 50 gün içinde
5,1
5,1

Hello, We are an established fintech development firm with 3+ years of production experience delivering payment systems, mobile money platforms, and telco-integrated financial services. We can execute your platform end-to-end—FastAPI backend, native iOS/Android apps, USSD integration, and React admin portal—with 80%+ test coverage, full documentation, and CI/CD from day one. We have shipped live fintech and telco-grade systems under hard commercial deadlines, including USSD flows and low-bandwidth optimization for emerging markets. Our team is available immediately, operates with mature Git workflows and QA discipline, and is comfortable delivering within a 6–8 week intensive timeline targeting an April 2026 go-live. We’re open to cash, equity, or a hybrid structure and view this as a long-term partnership, not a one-off build. We’re ready to review the technical scope and submit a concise PDF proposal with verifiable references and live applications. Best regards, Juan
$10.000 USD 7 gün içinde
4,7
4,7

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