Redqubes is a fintech app development company in Jaipur building wallets, payout and settlement systems, and agent and distributor platforms for Rs 2,49,999-5,99,999, delivered in 10-16 weeks. Every build runs on a double-entry ledger in PostgreSQL with Python/FastAPI APIs, KYC onboarding flows and full audit trails, under fixed 50/25/25 milestone contracts.
Money software has one rule ordinary software does not: the numbers must reconcile, every day, to the paisa. So we design the ledger before the screens — who is debited, who is credited, who approves — and only then build the apps on top. Browse the platforms we've delivered.
From wallet engines to distributor networks — each capability below is scoped, priced and tested as a named deliverable.
Closed-loop wallets on a double-entry ledger — balances, holds, top-ups and reversals that always reconcile to zero.
Scheduled and on-demand payouts, T+n settlement cycles, failure retries and bank-file or gateway-API disbursal.
Multi-level hierarchies with per-tier commissions, territory mapping, credit limits and downline statements.
Document and selfie capture, integration with your chosen verification provider, review queues and re-submission handling.
Maker-checker approvals, transaction search, limit management, dispute workflows and user freeze/unfreeze controls.
Append-only transaction history, per-action audit logs, daily reconciliation reports and MIS exports for accountants.
Collections via payment gateways and UPI, webhook-driven status updates and automated matching against ledger entries.
Role-based permissions, OTP/2FA logins, encrypted data at rest and in transit, and IP-restricted admin access.
Building a marketplace where payments are one part of a bigger platform? Our e-commerce and marketplace app development service covers customer, vendor and delivery apps end to end.
Six milestones, ledger designed first, reconciliation tested before go-live — payments tied to approved deliverables.
We chart your money flow end to end — who pays, who receives, who approves — and write the ledger design and scope with a fixed price.
Screens for end users, agents and your ops team, with limits and approval states made explicit. The 25% milestone follows your design sign-off.
Ledger and transaction engine first, then apps and consoles on top — every money-moving endpoint covered by automated tests from day one.
Reconciliation runs against seeded transactions, failure-mode drills (double-submit, timeout, partial payout) and sign-off from your team.
Production rollout on AWS or your servers, gateway credentials go-live, admin roles configured and handover documentation delivered.
First month free, then optional Rs 3,600/month for hosting, monitoring and bug fixes — with daily reconciliation reports in your inbox.
Every layer has to answer one question: can we prove where each rupee went? This stack can.
| Layer | Technology | Why |
|---|---|---|
| Ledger & API | Python, FastAPI | Explicit, testable transaction logic; idempotent endpoints so retries and webhooks never double-post an entry. |
| Database | PostgreSQL | ACID transactions and row-level locking — the non-negotiables for balances, holds and concurrent payouts. |
| Web consoles | Next.js, React, TypeScript | Type-safe admin and agent dashboards where a mislabeled field could mean a mispaid rupee. |
| Mobile apps | Flutter / React Native | One codebase for Android and iOS user or agent apps, with secure storage for tokens and PINs. |
| Infrastructure | Docker, AWS | Isolated environments, encrypted backups and audit-friendly deployment history; portable if you self-host. |
Ranges by scope — the final figure depends on ledger complexity, integrations and how many apps sit on top.
| Scope | Price (INR) | Timeline | Included |
|---|---|---|---|
| Agent / distributor web portal | Rs 21,000 - 1,50,000 | 4-8 weeks | Admin panel, user roles, reporting |
| Fintech mobile app + backend | Rs 99,999 - 2,49,999 | 8-12 weeks | 1 app, admin panel, API, deployment |
| Wallet / settlement platform | Rs 2,49,999 - 5,99,999 | 10-16 weeks | Ledger, apps and panels to spec, roles, reporting, integrations |
Payment milestones: 50% advance, 25% after UI/UX finalization, 25% on delivery. GST at 18% applies (SAC 998314). Prices are indicative — gateway count, KYC depth and settlement automation drive the final figure.
After go-live: the first month of hosting and maintenance is free; from month two an optional Rs 2,600/mo server + Rs 1,000/mo maintenance (Rs 3,600/mo) or Rs 38,880/yr with a 10% annual discount covers hosting and bug fixes, with new features billed separately. Self-hosting is allowed. Compare every engagement tier on the pricing page.
Every platform starts from a double-entry ledger design agreed in week one — features are built on top of correct accounting, not bolted around it.
The 50/25/25 milestone contract names every module, integration and report before the advance is paid — no hourly billing on a money system.
You talk to the Jaipur-based engineers writing the code — weekly demos, one point of contact, and in-person meetings at our Vaishali Nagar office if you want them.
Redqubes builds operations and payments-heavy platforms for Indian SMEs and startups, and is the parent company of DriverGo, Maidly and Codvyx.
Full source and data handover on final payment, first month of hosting free, self-hosting allowed — we never take a cut of transactions.
A wallet, payout or settlement platform at Redqubes costs Rs 2,49,999 to Rs 5,99,999 depending on ledger complexity, integrations and the number of apps and panels. A lighter agent or distributor portal on web falls in the Rs 21,000 to Rs 1,50,000 business-platform tier. All quotes are fixed against a written scope, billed 50/25/25, plus 18% GST (SAC 998314).
We build closed-loop wallets, payout and settlement systems, agent and distributor network platforms, collection and reconciliation tools, and lending-operations software such as application and repayment tracking. Each product is custom-built around a double-entry ledger rather than assembled from a white-label template.
That depends on your business model, and you should confirm it with a compliance professional before building — Redqubes is a software development company, not a regulated entity or legal advisor. Many models, such as closed-loop wallets within one business or distributor commission platforms, sit outside licensing regimes; others, like PPI wallets or lending, are regulated. We build to the requirements your advisor specifies.
Yes — we build document capture, selfie and data-entry onboarding flows and integrate them with the KYC verification provider you choose. Verification statuses, rejection reasons and re-submission loops are tracked per user, and the admin console shows a review queue for manual checks.
Every transaction is recorded as a balanced double-entry ledger posting, and ledger rows are append-only — corrections are new reversing entries, never edits. Combined with per-action audit logs, maker-checker approvals for payouts and exportable statements, this means any balance can be traced back to its source entries.
A typical wallet or settlement platform takes 10 to 16 weeks: one week of discovery, two of UI/UX, six to ten of development and the rest for testing and go-live. Fintech builds get extra time in QA because ledger accuracy is tested with reconciliation runs, not just feature clicks.
Bug fixes are covered by maintenance — free in the first month, then part of the optional Rs 3,600/month plan (Rs 2,600 server + Rs 1,000 maintenance) or Rs 38,880/year with a 10% annual discount. For a money-handling system we also hand over reconciliation reports so discrepancies surface in your daily checks, not in customer complaints.
You own the full source code, the ledger database and the deployment setup, all transferred on final payment. We deploy on AWS by default, but self-hosting on infrastructure you control is allowed — often preferred by finance teams — and there are no per-transaction fees payable to us.
One call to map who pays whom, when and on whose approval. You get a written scope, a fixed price and a timeline before committing anything.