Vaultly: Secure Digital Banking App
A consumer mobile banking app built for a fintech challenger, with biometric authentication, real-time spending insights, and bank-grade encryption from day one.
The Challenge
A fintech challenger needed a consumer banking app that could pass regulatory scrutiny and win customer trust from launch, with no room for security shortcuts and no tolerance for a clunky first impression.
Our Approach
We designed Vaultly around two priorities that usually pull in opposite directions: airtight security and a genuinely pleasant everyday experience. Every screen was built mobile-first, with biometric authentication (Face ID / fingerprint) as the default unlock path and end-to-end encryption on all transaction data.
- React Native app with native biometric authentication and secure enclave key storage
- Real-time transaction feed and spending insights via Plaid account aggregation
- Instant peer-to-peer transfers and virtual card issuance
- Full penetration testing and OWASP Mobile Top 10 hardening ahead of launch
The Result
Vaultly launched with a 4.8-star average across app stores in its first quarter, and passed its regulatory security audit with zero critical findings.