Best Fintech App Development Companies to Hire in 2026? (Looking for Recommendations)

Hey everyone,

I'm working on a fintech app (digital wallet + P2P payments, possibly adding lending down the line) and I'm trying to shortlist a development partner. There are honestly too many agencies claiming "fintech expertise" and it's hard to tell who's actually shipped compliance-heavy products versus who's just slapping the word "fintech" on a generic app-dev portfolio.

A few things I care about:

• Actual experience with KYC/AML integration, not just claiming it
• Can advise on BaaS vs. building a custom core (I genuinely don't know which path fits my budget)
• Reasonable pricing — I've gotten quotes from $40k to $400k for what sounds like the same MVP
• Someone who sticks around post-launch instead of disappearing after handoff

Would appreciate real experiences, not just agency self-promotion. Thanks!