Build a fintech app with AI

Here are six steps from idea to a live fintech app, no code required:

• Map your users and money flow – Write down who pays whom, and for what, before you open any tool. In Base44, describe that in the chat and it builds a first working version.
• Decide who does what – List each type of user and what each is allowed to do. Sign-in and the admin and user roles are built in, and you add roles like advisor or client in chat.
• Lock down the data – Decide which records each user may see, since no customer should ever see another's balances. Tell Base44 who sees what and it builds those rules, then you test them with two accounts.
• Choose how customers pay – Decide between one-time payments, subscriptions or both. Base44 Payments, built in and powered by Wix, covers both on the Builder plan, test mode first, and Stripe is the alternative.
• Connect the tools you rely on – List the accounting tools, payment providers and data sources the app needs. Base44 has finance connectors for QuickBooks, Square, FreshBooks and Wave, and backend functions reach other APIs with keys stored as secrets.
• Test end to end, then go live – Run every flow with test accounts and test payments before any real money moves. In Base44, run the security scan and test purchases, publish, complete payment verification and invite your users.

Base44 replaces the dev team, not the regulated side of a financial product: licenses, identity checks and your app's compliance stay with you. To start, build an app with AI by telling Base44 who your users are and how money moves between them, then test the first version with two accounts.

You can build a finance app with AI for any of the types below, and Base44 adds the sign-in, roles and per-user data each one needs.

• Invoicing and client billing portals – an invoicing app where clients sign in, see only their own invoices and pay online
• Budgeting and expense apps – an AI budgeting app or AI expense tracker keeps each user's income, spending and limits in their own records
• Subscription products – recurring billing for a paid membership or a monthly report
• Lending and application workflows – applicant, reviewer and admin roles, with the decisions staying yours
• Investment and portfolio dashboards – an investment analysis app brings external market data in through an API
• Internal finance-ops tools – approval queues and reporting for your own finance team

In your first prompt, name the app type, its user types and how money moves. A product that holds or moves customers' money needs a licensed partner behind it, so check that before you design around it.

On Base44, the cost of a fintech app comes down to three things: your plan, the outside services you add and legal advice. You don't pay for the engineering team that traditional fintech app development needs, because Base44 does that build work.

• Your plan – The Free plan ($0) lets you build and try the app. Payments, connectors and backend functions start on the Builder plan, at $40/mo billed annually
• Payment processing – Fees are set by Base44 Payments or Stripe, whichever you use
• Third-party services – Identity checks and data providers are priced by the provider
• Legal and compliance advice – No builder removes this line item, so budget for it before you go live

List the services your app needs first, so every line item has a price before you commit. To plan what pays for them, see how to make money from your app, and for the build itself read how to create a financial app.

Base44's platform is independently certified, and how safe your fintech app is depends on the rules you set on top of it.

• What the platform covers – SOC 2 Type II, ISO 27001, GDPR with a Data Processing Agreement on request, encryption at rest and in transit, regular penetration testing, a bug bounty program and PCI DSS-certified payment processing
• What you set – Roles and data rules for every type of record, API keys stored as secrets, and a security scan before you publish
• What you test – Sign in as each type of user with real-looking accounts and try to open what they shouldn't see

Those certifications cover the platform, and your app's own compliance duties stay with you. The full list of standards is on the Base44 security page.

No. Base44 is certified at the platform level, and the compliance of your fintech app stays your job. Here is how it splits:

• Card payments – They run through PCI DSS-certified payment processing, whether you use Base44 Payments or Stripe, but that doesn't make your app itself PCI compliant
• KYC, AML and fraud checks – Base44 doesn't provide these, so you connect a specialist provider through a backend function, with its key stored as a secret
• Licenses – Whether you need one depends on what your app does with customers' money and where you operate, so get legal advice before you go live

Before you build, write down exactly what the app does with money, and take that to a lawyer who knows financial regulation in your market.

Ask Base44 to add payments and it sets them up for you. Base44 Payments, the built-in option powered by Wix, takes one-time payments and recurring subscriptions on the Builder plan and above, and it runs in four stages:

• Test first – Build the flow and run test purchases in test mode, where no real cards are charged
• Publish – Your app has to be published and accessible while your account is verified
• Verify your business – You need a business and a bank account in one of 12 supported countries: the US, UK, Germany, the Netherlands, Spain, Switzerland, Belgium, Portugal, Finland, Lithuania, Austria or Italy
• Go live – Your subscriptions show up in your app's dashboard

Stripe is the alternative, and the one to use if you're outside those countries or want what Stripe adds: Apple Pay and Google Pay, local payment methods, multiple currencies and a billing portal where customers manage their own cards, invoices and subscriptions. You can test with no registered business, but live payments need a Stripe-verified business and banking details. Payouts, fees and payment records sit in your Stripe Dashboard. For the developer side, read Base44 and Stripe.

Decide which provider fits where your business is registered before you start, and test the whole flow in test mode first.

Who sees what is a rule you set, and Base44 builds those rules when you describe them in chat.

• Roles – admin and user, plus custom roles and hierarchies such as managers, teams or one space per customer
• Row-level rules – a user sees only the records they own
• Company separation – each record carries its company, so business customers see only their own team's data
• Private app – invite-only access, on the Starter plan and above

An entity with no rules is readable by every user of the app, so define rules for every type of financial record and test with two accounts before you go live: sign in as each user type and try to open the other's records.

The best no-code platform for a fintech app is the one that controls who sees each record, backs payments with named standards and is clear about what stays your responsibility. A few things separate the serious options from the rest:

• Data access rules – row-level control over who sees which record
• Named security standards and a clear line on what's yours – certifications you can point to, plus a plain statement of which compliance duties stay with you
• Built-in payments with a test mode, plus an alternative provider – so you can test the whole flow and aren't tied to one processor
• Finance integrations plus custom API access – ready connectors for common tools and a way to call any other financial API
• Code you can take with you – an export you own, not a hosted black box
• An honest free versus paid line – clear about where the free tier stops

Base44 answers each one:

• Data access – Roles and row-level rules decide who sees which record.
• Standards and your line – SOC 2 Type II, ISO 27001, GDPR and PCI DSS-certified payment processing, with what stays yours drawn plainly.
• Payments – Base44 Payments is built in with test mode, and Stripe is the alternative.
• Connectors and APIs – Finance connectors cover common tools, and backend functions reach any other financial API.
• Code export – Export to ZIP or GitHub on the Builder plan and above.
• Free versus paid – The Free plan can't take payments.

Compare any platform on these six points before you commit. Then start yours by describing your users and money flow to Base44's finance app builder.

You can build and try your app on the Free plan ($0), but it can't take payments. The Free plan includes:

• Sign-in, database and analytics – the core of the app, from the first build
• 25 message credits a month – each change you ask for after the first build uses credits
• Up to 5 apps – each live on a free myapp.base44.app address

Taking payments through Base44 Payments or Stripe, backend functions and connectors start on the Builder plan, at $40/mo billed annually. Private apps and your own domain start on the Starter plan.

The same Free plan covers the public site that explains your product before anyone signs in: create a website for free with Base44, or start from one of the financial website templates.

Build and test the whole flow on the Free plan first, then upgrade when you're ready to take payments.