AI-driven software development company for fintech and startups
Production software,
shipped in weeks.
Priced like a startup.
Techrays Labs is an AI-driven development studio. Fixed-price MVPs and fintech platforms, built by senior engineers on proven open source, for teams across the US, UK, Europe, Canada, Australia, New Zealand, South Africa and the UAE.
Milestones
$ techrays build neobank-mvp --fixed-price
DONEdiscoveryscope locked in 2 days
DONEarchitecturefineract core · keycloak · next.js
DONEledger-servicegenerated · 148 tests passing
DONEkyc-flowintegrated · sandbox verified
RUNpaymentsbuilding · stripe + ach adapters
QUEUEsecurity-reviewpen-test scheduled
Delivery
Week 3 / 4
BudgetON TRACK
ScopeLOCKED
Code & IP100% CLIENT
Certified
Certificates available on request
Built on
- Apache Fineract
- Odoo
- Medusa
- Supabase
- Keycloak
- Next.js
- Laravel
- PostgreSQL
- Kubernetes
- Stripe
4–8wks
Idea to launch
Typical MVP, from discovery to production.
2–4×
Typically faster
AI-assisted workflows, every line human-reviewed.
Fixed
Price and date
Written into the proposal. No surprise invoices.
100%
Yours
Code, IP and infrastructure, always.
(01) How we work
Pick how you want to build.
- 01Fixed-cost projectsScope, price and date agreed in writing before we write a line of code. Milestone payments, change requests quoted upfront.
- 02MVP in weeksFrom idea to a live, investor-ready product in 2 to 8 weeks, on open-source foundations that scale with you.
- 03AI-augmented teamsA dedicated squad of senior engineers with timezone overlap, working AI-first. Scale up or down on two weeks notice.
(02) Industries
Four industries, one delivery model.
- 01FinTechPayments, ledgers, lending, KYC and invoicing.ProofPaisaPravaah and the Stripe fintech portalSTRIPE · FINERACT · KYCExplore FinTech →
- 02EdTechLearning platforms, live classes and assessment engines.ProofReal-time learning platformWEBSOCKETS · VIDEO · LMSExplore EdTech →
- 03HealthTechHIPAA-compliant records, portals and clinical workflows.ProofSecure health records on AWSHIPAA · AWS · AUDIT TRAILSExplore HealthTech →
- 04eCommTechStorefronts, catalogues and search at scale.ProofLarge e-commerce solutionLARAVEL · VUE · ELASTICSEARCHExplore eCommTech →
(03) Process
From idea to production in four moves.
DAYS 1–3
01
Scope
AI-assisted discovery turns your idea into a locked scope, architecture and a fixed quote.
WEEK 1
02
Design
Clickable prototypes on an open-source design system, so nothing is built twice.
WEEKS 2–5
03
Build
Daily releases on proven open cores, with automated tests and human code review.
WEEK 6+
04
Launch
Security review, UAT and go-live, then optional ongoing team or maintenance.
| Traditional agency | Freelancers | Techrays Labs | |
|---|---|---|---|
| Time to launch | 6 to 9 months | 3 to 6 months, unpredictable | 4 to 10 weeks |
| Pricing | Time and materials | Hourly, open-ended | Fixed price, fixed date |
| Who builds | Juniors behind a senior pitch | One person, one point of failure | Senior engineers plus AI workflows |
| Code and IP | Often licensed or locked in | Varies by contract | 100% yours from day one |
| Foundation | Proprietary, built from scratch | Whatever they know | Proven open-source cores |
Techrays Labs vs a traditional agency
- Time to launch
- 6 to 9 months
- 4 to 10 weeks
- Pricing
- Time and materials
- Fixed price, fixed date
- Who builds
- Juniors behind a senior pitch
- Senior engineers plus AI workflows
- Code and IP
- Often licensed or locked in
- 100% yours from day one
- Foundation
- Proprietary, built from scratch
- Proven open-source cores
Illustrative comparison based on typical mid-size MVP engagements.
(04) Selected work
Shipped for real businesses.
FINTECH · SAAS · AI
PaisaPravaah
GST-ready, AI-enabled invoice management for small and mid-size businesses.
FINTECH · PAYMENTS
Scalable fintech portal
Laravel, Vue.js and Stripe, built for growth and compliance.
Also shipped
Health records, HIPAA on AWS
E-commerce at scale, Laravel and Elasticsearch
Real-time learning platform
(05) Pricing
Fixed prices, built for startups.
MVP SPRINT
STARTING AT
$6k
4 to 6 weeks
- +Discovery and fixed scope
- +UI/UX design system
- +Web or mobile MVP
- +One core integration
- +Launch and 30-day support
PRODUCT BUILD
MOST CHOSENSTARTING AT
$12k
8 to 14 weeks
- +Everything in MVP Sprint
- +Payments, KYC or ledger modules
- +Admin portal and analytics
- +Security review and UAT
- +CI/CD and cloud setup
AI-AUGMENTED TEAM
STARTING AT
$6k
per month, cancel on 2 weeks notice
- +2 to 4 senior engineers
- +AI-first workflow
- +Weekly demos and reporting
- +Timezone overlap agreed
- +Scale up or down anytime
Indicative starting prices. Your fixed quote follows a free scoping call.
(06) Coverage
Your time zone, our working day.
Our core team works 09:00 to 18:00 IST. Here is how that overlaps with business hours in each of your markets, with shifted shifts available for deeper overlap.
- US / Canada East0.0 h / 9.0 h
- US / Canada West0.0 h / 9.0 h
- United Kingdom3.5 h / 9.0 h
- Europe (CET)4.5 h / 9.0 h
- UAE7.5 h / 9.0 h
- South Africa5.5 h / 9.0 h
- Australia (AEDT)3.5 h / 9.0 h
- New Zealand (NZDT)1.5 h / 9.0 h
Shifted = our hours moved to match yours. UTC axis, standard time, approximate.
(07) FAQ
Questions we hear first.
How can you be this fast without cutting corners?
AI handles repetitive work: scaffolding, tests, documentation and boilerplate. Senior engineers own architecture, security and every code review. We also start from proven open-source cores instead of a blank repository.
What does fixed price actually mean?
Scope, price and delivery date are written into the proposal. If we misjudge the effort, that cost is ours. Anything you change is quoted before work starts.
Will I own the code and IP?
Yes. The code, IP and infrastructure are 100% yours from day one. We build on open-source licences, so there is no vendor lock-in.
Can you work in my time zone?
Yes. We cover the US, Canada, UK, Europe, UAE, South Africa, Australia and New Zealand, with overlap hours agreed before we start.
Do you have fintech and compliance experience?
Yes. We have built payments, invoicing and lending products, and design for PCI-DSS, GDPR and PSD2 requirements from the first sprint.
How do we get started?
Book a 30-minute call. Within 24 hours you receive a scoped, fixed-price proposal with a delivery date.
Start a project