Top 11 Fintech Software Development Companies in Vietnam 2025

Fintech is booming, and Vietnam isn’t outside this game. In 2024 alone, Vietnam’s fintech market hit nearly $17 billion in transaction value (according to IMARC Group) and it’s still growing fast. Behind that growth is a wave of software companies building the tools that power payments, digital banking, and smart finance apps.

If you're looking for a reliable development team to develop your fintech idea, Vietnam has a lot to offer: skilled engineers, affordable rates, and companies that already work with global clients from the US, Europe, and beyond.

We’ve put together a list of 11 best Fintech software development companies in Vietnam for you to check out. Each one brings real experience, practical skills, and something unique to the table. Let’s go.

Here is an overview of mentioned Fintech solutions software development companies:

Top 11 Custom Fintech Software Development Companies

Relia Software

Relia Software builds the tech behind smart payments, digital wallets, and finance apps that users are the center of. They turn complex fintech ideas into smooth, reliable products for many global clients. Their team's expertise spans from mobile apps that sync with widely accepted mobile payment systems to backend systems that handle real-time transactions, rewards, and fraud checks.

Their work on LoyaltyPay is a strong example. This is a patented loyalty redemption platform at checkout with support for Apple Pay and Google Pay. Relia developed everything: mobile SDKs for iOS and Android, backend microservices, Apigee API gateways, and tokenized virtual cards. They also built smart fraud detection tools to catch suspicious patterns before they cause damage.

PowerGate Software

PowerGate Software is a Vietnam-based leading Fintech software development company. They help fintech firms in Europe, Asia, and North America to bring digital finance ideas to life. Their team has hands-on experience across personal finance, digital banking, investment platforms, and mobile payments.

One standout project is their work on a mobile app for a European financial firm to streamline digital money management. The app lets users manage accounts, track transactions, and handle e-payments securely. PowerGate handled everything from mobile interface design to backend integration with European financial systems. Their product has smooth UX and compliance with local regulations.

NashTech

NashTech is a global technology solutions company with a deep focus on building advanced software for the banking and financial services sector. Known for tackling complex enterprise needs, NashTech provides Fintech solutions for banks, insurers, and financial institutions. Their products help modernize old systems, improve customer experience, and drive digital transformation through AI, automation, and cloud technology.

For example, NashTech enhanced the PayMe app by integrating machine learning for personalized budgeting, real-time spending alerts, and predictive financial tips. They also restructured the app’s architecture to support scalable data pipelines for continuous model improvement. Finally, the upgraded app led to increased user retention, better financial decision-making.

Synodus

Synodus is a growing Vietnamese tech company helping financial institutions and fintech startups modernize how people move, manage, and store money. Digital banking, investment platforms, payment gateways, and blockchain solutions are their core fintech software development services.

One standout project is their work with an e-wallet startup looking to build a cashless payment solution. Synodus developed a complete mobile wallet system from scratch, covering features like eKYC, money transfers, bill payments, and transaction history. The app now supports over 3 million users and integrates smoothly with local banks and payment providers.

SOTATEK JSC

SOTATEK is a Vietnamese Fintech software development company that specializes in blockchain technology. Their core services include decentralized finance (DeFi) platforms, digital wallets, smart contract development and tokenization. By combining deep blockchain knowledge with financial application design, SOTATEK helps businesses create secure, transparent, and scalable systems tailored to the evolving fintech space.

A real-world example of their work is Lemonade, a DeFi platform developed to simplify crypto investing. SOTATEK built core features such as token staking, yield farming, and real-time asset tracking, all underpinned by smart contracts. The platform supports seamless interaction with various crypto assets and prioritizes ease of use for both new and experienced users.

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Axon Active

Axon Active is a long-established Vietnamese-Swiss software company known for building custom solutions for complex industries, including fintech. They offer dedicated development teams and Agile delivery models that help clients build, scale, and maintain financial platforms with reliability and speed.

A strong example of their fintech expertise is the development of a MetaTrader-compatible trading platform. Axon Active built the system to support real-time forex trading, account management, and market analysis tools. Their team handled both frontend and backend, ensuring the platform could process high-frequency trades while staying stable and user-friendly.

Saigon Technology

Saigon Technology has a strong presence in developing software for the banking and finance sector. Their fintech services cover digital banking platforms, payment integration, AI-powered analytics, and financial automation tools. With a strong Agile development culture and ISO-certified processes, they support both startups and enterprises in creating modern financial products.

A clear example of their fintech expertise is SmithBot, an AI-driven trading platform. They worked on both the web-based trading dashboard and backend services, integrating advanced algorithms that help users in making informed investment decisions. The system could process large amounts of data in real time, offering a seamless experience for traders and investors.

Newwave Solutions

Newwave Solutions is a full-service IT software development company that delivers custom fintech applications. Their services span trading platforms, blockchain wallets, personal finance tools, and financial dashboards, all designed to be secure, scalable, and user-friendly. With affordable development rates and flexible engagement models, they are a strong fit for startups and small to mid-sized firms.

One example of their work is a digital wallet app developed for a client needing a fast, secure, and convenient mobile payment solution. Newwave Solutions handled the backend and mobile development, implementing features like transaction history, real-time payments, and e-wallet account management. The app now serves as a foundation for the client’s broader fintech ecosystem.

Designveloper

Designveloper is a Vietnam-based software development company offering end-to-end solutions across web, mobile, and emerging technologies. In fintech, they focus on building blockchain platforms, crypto wallets, and more. With their support, businesses can create secure, transparent systems for digital payments, loyalty, and asset management.

A practical example is Bonux, a blockchain-based loyalty app developed by Designveloper. The team handled the full development process, building a web and mobile platform that lets users earn, store, and redeem crypto-based loyalty points across different brands. They also implemented secure wallet features and blockchain integrations to ensure transparency and user trust.

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Rikkeisoft

Rikkeisoft is one of Vietnam’s best fintech software development companies, offering end-to-end solutions for banks, financial institutions, and startups. Their services range from mobile banking apps and digital payment platforms to data-driven financial analytics and blockchain integration. With a strong focus on security, scalability, and regulatory compliance, Rikkeisoft helps financial firms modernize legacy systems and launch new digital products with confidence.

One example of their expertise is a financial analytics website developed for a U.S.-based client. Rikkeisoft built a responsive, user-friendly platform that aggregates and visualizes large volumes of market data in real time. The solution includes custom dashboards, stock comparison tools, and predictive insights, helping users make smarter investment decisions.

InApps Technology

InApps Technology is a software development company in Vietnam, offering custom fintech and blockchain solutions for startups and businesses worldwide. Their fintech services include building mobile banking apps, peer-to-peer payment platforms, lending systems, and investment tools. Also, their blockchain development covers smart contracts, tokenization, and secure decentralized platforms.

Vleppo project is a strong proof for their expertise in this field. InApps helped develop a blockchain-based platform for managing digital contracts and intellectual property. They worked on both the frontend and backend, integrating smart contract features and payment capabilities using the Komodo blockchain. The platform allows users to store, verify, and monetize digital assets securely.

What Can a Fintech Software Development Company Do?

Here’s how they add value across different areas:

• Banking & Payments: They create apps for online banking, mobile payments, peer-to-peer transfers, digital wallets, and remittance. These tools make transactions faster, safer, and more convenient.
• Wealth Management & Investment: Fintech developers build platforms that offer investment advice, manage portfolios, and enable automated trading. They often use AI and machine learning solutions to give real-time insights.
• Lending & Financing: From peer-to-peer lending to online loan marketplaces, fintech firms build systems that assess credit, speed up loan approval, and offer flexible financing using smart algorithms and data.
• RegTech & Compliance: They help financial institutions stay compliant with laws by building tools that monitor transactions, detect fraud, and simplify reporting. AI, blockchain, and automation are used in these software solutions.
• Insurance Tech (Insurtech): Fintech companies develop apps that manage policies, handle claims, assess risk, and improve customer service with features like mobile apps and AI chatbots.
• Blockchain & Crypto: They build secure blockchain platforms, smart contracts, DeFi apps, crypto exchanges, wallets, and tokenization tools.
• Data & AI Solutions: Fintech software uses data analytics and AI to understand customer behavior, improve risk models, personalize services, and support faster, smarter decisions.

Conclusion

As the fintech app market continues to grow and evolve, choosing the right development partner is more important than ever. When making your decision, look for a team with the right strategy, technical skills, industry experience, and a strong focus on user-friendly design. These factors can make all the difference in building a successful fintech product.

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