Fintech App Modernization
Building a global digital wallet on Stellar
100+
countries with cash-in and cash-out
150M+
consumers served by MoneyGram worldwide
Financial Services & Insurance
Turn Legacy Core Systems Into a Competitive Advantage
Cut the maintenance spend that's eating your roadmap budget, and close the speed gap with fintech-native competitors, without a risky rip-and-replace.
Trusted by banks and insurers to modernize core systems
Financial products we have helped build and scale
AI
Earning trust: AI transcription for strict financial environments
$50K+
Typical in-house build cost eliminated
25%
Churn reduction driven by contextual chat
Legacy modernization
Incremental modernization of core platforms, customer portals, and operational systems through APIs, phased cutovers, and parallel runs that protect continuity.
Data and AI foundations
Governed financial data for analytics, fraud and risk workflows, enterprise search, customer operations, and AI systems that need reliable context.
Security and regulated-market engineering
Architecture with encryption, identity and access controls, audit trails, secure secrets management, infrastructure hardening, and clear data boundaries from the start.
Digital wallets and payments
Custodial and non-custodial wallets, cross-border payments, fiat and digital-asset rails, transaction histories, ledgers, and integrations with the systems already running your operation.
Mobile and web products
Secure customer applications, internal platforms, and digital experiences built for production traffic, accessibility, observability, and long-term ownership.
Embedded teams that move fast
Dedicated product and engineering teams that integrate directly into your workflows to accelerate delivery and scale efficiently.
What financial services clients say
Martin RufoVP of Operations
@ FINN
We wouldn't be able to operate as efficiently as we do without Cheesecake Labs. Thanks to them, we're scaling our team much more efficiently in the US than in our Germany office.
Justin HallHead of Mobile Engineering
@ Tapcart
They're very proactive and solutions-oriented. They're always suggesting better ways to implement the architecture rather than just doing what they're told. This is exactly what we're looking for in our partners, and we haven't seen that in many outsourced companies.
Mark HeynenCo-Founder & Chief Product Officer
@ Knap
We couldn’t have solved some of the complex problems to deliver this product without the support of Cheesecake Labs' team.
Nan JiangVP, Business Development, M&A
@ Bemis Manufacturing Company
Cheesecake Labs has been a valuable partner to us. They consider what we don’t know and our challenges, and then they anticipate issues and find solutions for us.
Alicia SmithHead of Blockchain Innovation
@ MoneyGram International
They're great to work with. The team is very open, and when we’ve had challenges, they've worked through them with us. We feel like we're one team instead of working with a different company.
Julia RodriguesR&D & Innovation Coordinator
@ AES Corporation
They developed an understanding of the energy sector and applied that to the product. Their collaborative style, communication, and knowledge led us to achieve our goal of having this platform at the end of the project.
Financial Services Modernization Review
Bring one legacy system, core platform, or workflow you need to modernize, secure, or scale. We'll give you a clear view of the risk, architecture, and path to production.
- Format
- 30-min video call
- Who you'll meet
- Partnerships team + senior solutions engineer
- What we'll cover
- One initiative you're considering
- What you'll leave with
- Feasibility view, risk flags, rough cost & timeline
- Cost
- Free, no obligation
FAQ
We modernize core banking, policy admin, and payment systems, build governed data and AI foundations for fraud, risk, and operations, bringing deep Stellar and Web3 expertise underneath it all.
Yes. We are one of a select few official Stellar Development Foundation partners and have shipped blockchain products across Stellar, Ethereum, Solana, and Cardano — including MoneyGram's global non-custodial wallet, token launches, CBDC pilots, and DeFi protocols.
Yes. We integrate fintech products with financial APIs and infrastructure providers — Plaid, Stripe, banking cores, KYC/AML vendors, and market-data feeds — so accounts, payments, and compliance data flow through your product securely.
It is a 30-minute working session with our partnerships team and a senior solutions engineer. Bring one challenge: a product to build, a platform to scale, or a legacy codebase to move off. You leave with a feasibility view, risk flags, and a rough cost and timeline. Free, no obligation.