Generate a full Fintech SaaS from a prompt

Ledgers, transactions, KYC hooks, audit trails. StackAlchemist generates the compliance-aware scaffolding for a fintech SaaS as a .NET 10 + Next.js 15 codebase. Compile-verified. Owned. Deployed in your own compliance perimeter.

What you get

A production-shaped fintech SaaS starter with:

• Account and ledger model with double-entry transaction semantics
• Transactions with typed categorization, reconciliation flags, and idempotency keys
• KYC workflow hooks — pluggable interfaces for Jumio, Persona, Alloy, or your custom vendor
• Audit log on every data mutation, immutable, queryable
• User roles — customer, ops, admin, auditor — each with scoped permissions
• Payment method storage with tokenization (we generate the interface; plug in your PCI-compliant vault)
• Webhook handling for Stripe, Plaid, or your bank partner
• Reporting for ops dashboards, admin reporting, and regulator-ready exports
• Authentication via Supabase with MFA enforcement
• Background workers for scheduled reconciliation, batch jobs, and eventual consistency tasks
• CI/CD with compile verification and test scaffolding
• Docker-compose for local development

All compile-verified. Owned outright. No platform dependency.

Why a generated fintech codebase is the right call

Compliance requires ownership. You cannot run a fintech SaaS on someone else's platform and claim to control the data. Regulators want to know where the data lives, who can access it, and how it is audited. An owned codebase running in your VPC is the only honest answer.

Audit trails are non-negotiable. Every hosted platform has audit logging, but typically through their API. Regulators want the audit trail in your database, under your retention policy, with your encryption keys.

KYC vendor choice is a competitive issue. Each KYC vendor has different cost, different coverage, and different UX. Locking into a platform's KYC vendor locks you out of optimization. A generated codebase gives you a vendor-swappable interface from day one.

The surface area is large. A real fintech SaaS has more surface area than most SaaS. Accounts, ledgers, transactions, reporting, KYC, AML, reconciliation — plus the user-facing product on top. Generating the boilerplate buys you weeks of work.

Who this is for

• Fintech founders in the "we have a design partner and need to ship" stage, pre-seed or seed.
• Embedded finance teams at non-finance companies — payroll, B2B SaaS, marketplaces adding financial features.
• Compliance-heavy verticals like neobanks, trade finance, insurance-tech, crypto-on-ramp.
• Engineering teams at larger fintechs scoping a new product line who want a verified starter rather than a blank slate.

Example entities generated

A typical fintech generation produces:

• Account / AccountType / AccountBalance
• Transaction / LedgerEntry / ReconciliationRecord
• Customer / KycProfile / KycCheck
• PaymentMethod / Institution / BankLink
• AuditEvent / AuditActor
• Statement / Report
• Webhook / WebhookDelivery

The shape adapts to your prompt. A neobank has different entities than a B2B AP automation tool.

Real example: Invoice financing startup

Imagine you spec this:

"We help small businesses get instant cash for unpaid invoices. A customer creates an account, uploads an invoice PDF, gets a quote, and funds their account via Stripe. We lend them 80% of the invoice value immediately. When the invoice is paid, the customer repays us with fees. Every transaction and state change is logged for audits. We integrate KYC with Persona to verify business owners. Admin team needs a dashboard to see all loans, flag issues, and export reports for the bank."

StackAlchemist generates:

• Account entity with account_number, account_type (escrow, liability, revenue), balance, currency
• Customer entity with name, business_id, created_at, kyc_status, kyc_verification_id
• KycProfile entity with customer_id, legal_name, dob, address, business_structure
• KycCheck entity with kyc_profile_id, vendor (Persona), vendor_reference_id, status (pending, approved, rejected), created_at
• Loan entity with customer_id, invoice_id, principal_amount, fee_amount, status (active, repaid, defaulted), created_at, due_at
• Transaction entity with from_account_id, to_account_id, amount, type (loan_draw, repayment, fee), idempotency_key, created_at
• LedgerEntry entity with account_id, transaction_id, debit_amount, credit_amount, balance_after (for the immutable audit trail)
• AuditEvent entity with actor_id, entity_type, entity_id, action (created, updated, deleted), old_value, new_value, ip_address, created_at
• PaymentMethod entity with customer_id, type (bank_account), token (from your PCI vault), is_default
• Webhook and WebhookDelivery entities for inbound Stripe and bank partner webhooks with retry logic
• Statement and Report entities for generating monthly statements and compliance exports
• API endpoints: POST /customers, POST /customers/:id/kyc-verify, POST /loans, POST /transactions, GET /audits, GET /reports/:id/export, plus admin and operator dashboards

Every financial action is logged with actor, timestamp, and before/after state. The ledger uses double-entry bookkeeping semantics — a loan draw creates a transaction that debits the customer account and credits a principal-owed account. Reconciliation is deterministic. The generated codebase does not know how to call your bank partner, but the webhook handlers and account-ledger structure are ready for you to wire in the specific ACH or real-time payment rails you have chosen.

After you own the code: two next steps

Once the repo is yours:

1. Integrate your KYC vendor and test the verification flow. The generated code has a pluggable KycService interface with a Persona implementation scaffold. You sign up for Persona (or Jumio, Alloy, whatever you chose in your spec), create an API key, inject it into the service, and test the flow in your admin panel. Run a few test verifications with the test endpoint. The state machine (pending → approved → rejected) and the audit trail are already there. No compliance work yet, but you have built the first gate.

2. Wire your bank or fintech partner's API and test a transaction end-to-end. The generated TransactionService and ledger are deterministic — you call the API to submit a real ACH batch or payment rail, the webhook comes back, and you post the confirmation. The codebase handles idempotency (same transaction request submitted twice creates only one ledger entry), so you can retry safely. You now have a loan that can actually be funded and repaid, with an immutable audit trail your auditor can walk.

A note on compliance

A generated codebase is a starting point, not a compliance certification. StackAlchemist hands you a well-structured starting scaffold — audit-logged, role-scoped, KYC-pluggable. The work of actually achieving compliance (SOC 2, PCI, state-by-state money transmitter licensing, bank partnerships) is still yours. We just put you further along the starting line.

We do not certify our generated code as compliant. We build it so that compliance is achievable. That distinction matters.

What is not included

We do not provide banking-as-a-service rails. You partner with Unit, Bond, Treasury Prime, Adyen, or whoever you have picked. We generate the code that talks to them. We do not include card issuance, ACH processing, or FX — those are vendor-specific and you plug them in.

Pricing

One-time, per generation:

• Simple-mode fintech — $299. Single-entity scaffolding, basic ledger, one KYC vendor integration.
• Blueprint-tier — $599. Multi-entity, advanced ledger, multi-vendor KYC, AML hooks, reporting suite.
• Boilerplate-tier — $999. Embedded-finance architecture, webhooks-first design, compliance-export tooling, advanced audit.
• Infrastructure-tier — custom engagement. When your fintech SaaS needs bespoke architecture, the scoping conversation starts here.

No monthly fee. No per-transaction fee. You generate, you own, you operate.

Get started

Describe your fintech product in plain English. We generate the code. You own it.

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