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How to Create a Fintech App (Step-by-step Guide)

June 4, 2025
Build a fintech app with Crossmint's starter kit. Includes wallets, USDC payments, 40+ chains & fiat ramps. Open-source & production-ready.

Welcome 👋 In this step-by-step guide, you will create a fintech app in minutes using Crossmint wallets and onramp.

Fintech Starter App on GitHub: https://github.com/Crossmint/fintech-starter-app

We made this Fintech App Starter Kit for:

  • Companies looking to implement stablecoins and wallets
  • Remittance, neobanks and payroll companies looking create a stablecoin sandwich for cross-border payments
  • Startups looking to launch an MVP for a fintech app within minutes

Key features of this app include:

  • Login with email or social media
  • Automatically create non-custodial wallets for your users
  • Top up with USDC using a credit or debit card
  • Transfer USDC to another wallet or email address
  • View your wallet activity
  • Withdraw USDC to your bank account
  • Support for +40 chains (Solana, EVM, etc)
  • Leverage more than +200 onchain tools integrating GOAT

We will be adding new features like:

  • Currency conversion
  • Earn interest on your USDC
  • Issue a debit card linked to your wallet

Deploy

Easily deploy the template to Vercel here. You will need to set the required environment variables in the Vercel dashboard.

Setup

  1. Clone the repository and navigate to the project folder:
git clone https://github.com/crossmint/fintech-starter-app.git && cd fintech-starter-app
  1. Install all dependencies:
npm install
# or
yarn install
# or
pnpm install
# or
bun install
  1. Login to the Crossmint staging console and get the client API key from the overview page: 
NEXT_PUBLIC_CROSSMINT_API_KEY=your_client_side_API_key
  1. Run the development server: 
npm run dev
# or
yarn dev
# or
pnpm dev
# or
bun dev

Using in production

This starter app is designed for rapid prototyping and testing in a staging environment. To move to production you'll need to:

  1. Login to the Crossmint production console and create a client side API key with the following scopes: users.create, users.read, wallets.read, wallets.create, 
    wallets:transactions.create, wallets:transactions.sign, wallets:balance.read, wallets.fund
  2. Update the chain environment variable to a mainnet chain.

    Note ⚠️: Non custodial signers for Solana are not available in production yet since they are undergoing a security audit. Reach out to us on Telegram to be the first to know when they are available.
  3. Customize your email template for login and signup in the Crossmint console under the Settings tab in the Branding section.
  4. For using onramp in production reach out to us on Telegram.

Enabling Withdrawals

Withdrawals are powered by Coinbase and only work in production. For enabling withdrawals you'll need to:

  1. Create a Coinbase developer account
  2. Create a Server API Key
  3. Add the NEXT_PUBLIC_COINBASE_APP_ID, COINBASE_API_KEY_ID, and API_KEY_SECRET to the .env file.
  4. In the Onramp configuration add your domain to the domain allowlist

Voilà! You now have a fintech app in production 🥳

Looking to unlock new revenue streams and accelerate customer acquisition for your fintech company?

Contact us here to learn more about how our all-in-one stablecoin platform can drive growth.