Your FinTech MVP Built and Validated in 1–2 months (2 or 4 sprints).

Helping Singapore FinTech teams ship working code in 1–2 months (2 or 4 sprints) — for SGD 13,000+, not a six-month hire.

30-minute call · No obligation · Code yours from Day 1 · Response within 1 business day

Get Your Free MVP Scope Proposal → See the breakdown ↓

SGD 13,000+

fixed price (approx. USD 10,000+) · no surprise fees

1–2 months

(2 or 4 sprints) · From kickoff to working prototype

100%

code ownership · Source + IP yours from Day 1

50+

client engagements · SaaS, FinTech, Healthcare, Manufacturing

How Long Until You Have Something Real

Four paths every Singapore FinTech team evaluates — measured in time-to-working-code, not slideware.

In-house hire

120–180

days

Hiring + onboarding + ramp-up

Big-3 agency

60–120

days

Discovery + proposal + scope

Freelancer

Variable

timing

Sourcing varies; quality unbounded

LLL Inc.

1–2

months (2 or 4 sprints)

Kickoff to working prototype, fixed scope

Three FinTech Realities. Three Answers.

MAS-regulated FinTech teams in Singapore can't hand a payments stack to an unvetted offshore shop.

→ Same-timezone team in Malaysia, signed NDAs and DPAs before any technical discussion. PDPA-aware from Day 1.

Existing payments code already runs at scale — you need engineers who won't break audit trails or settlement logic.

→ Engineers who ship to production daily on our own SaaS (Fortrain). They understand reconciliation, idempotency, and traceability.

Cost of compliance failure dwarfs build cost — yet most agencies treat security as an afterthought.

→ Fixed-scope quote with security baked in: audit log, role-based access, encrypted storage from Sprint 1.

Why This Speed Is Possible.

Structural reasons. Not promises — process.

In-house Malaysia team

~20 full-time engineers. Zero freelance outsourcing. Day-1 live capacity, no formation lag.

AI-augmented development

Internal use of Claude / Cursor / Cowork compresses implementation hours, with human PR review on every merge.

Reusable architecture templates

Sharpened across 50+ client engagements — auth, billing, RBAC, observability already in place.

Japanese-rooted QA process

Detailed scoping, rigorous QA cycles, clear documentation, predictable communication. Every task has a named engineer.

How the engagement runs.

STEP

Initial Call

Response within 24 h. 30-minute consult and current-state interview.

STEP

Scope & Quote

Fixed-scope, fixed-price proposal by the next business day.

STEP

Kickoff & Sprint Start

NDA signed → repo invite → Sprint 1 begins.

STEP

Build & Demo

1–2 months (2 or 4 sprints) of build, daily GitHub progress, weekly demo.

STEP

Handover

Working code + documentation + 1 walkthrough call.

One Price. One Deliverable. No Surprises.

Each option is fixed scope, fixed price. No estimates. No surprise change requests.

SGD 13,000+

Fixed price: SGD 13,000–26,000 (approx. USD 10,000–20,000)

1–2 months (2 or 4 sprints)

Production-ready MVP — backend, DB, auth, billing, deploys
CI/CD + monitoring + documentation, included
Full source code & IP — 100% yours from Day 1
7-day post-launch bug-fix window
PoC SGD 6,500 credits fully toward the MVP price

Get Your Free MVP Scope Proposal →

Fixed-scope pricing

No hidden fees

Full code & IP ownership

7-day post-delivery support

Ready to Move?

Get a 1–2 months (2 or 4 sprints) delivery scope + fixed price within 24 hours. No obligation.

Get Your Free MVP Scope Proposal →

30-minute call · No obligation · English PMs, GMT+8

Compare Your Options

A transparent look at what each path costs, takes, and delivers.

Criteria	In-house hire	Big-3 agency	Freelancer	LLL Inc.
Cost	SGD 200K+/yr salary + benefits	SGD 30–80K per project	SGD 5–15K but variable	SGD 13,000+ fixed
Time to first deliverable	4–6 months (hiring + ramp-up)	2–4 months (proposal + discovery)	Unpredictable (sourcing)	1–2 months (2 or 4 sprints)
Quality control	You manage	Agency process (variable)	None built-in	Daily GitHub review, AI + human PR review
Code & IP ownership	You own (employment)	Contract-dependent	Often unclear	100% yours from Day 1
Communication	Direct (SG local)	Account-manager layer	Timezone gaps (6–12 h)	English PMs, GMT+8, daily

Built on Evidence

50+

client engagements

10+

years of engineering experience

countries served — Singapore, Japan, Australia

Trusted across SaaS, FinTech, Healthcare, and Manufacturing.

University partners

Universiti Malaysia Sabah (UMS) Tunku Abdul Rahman University of Management and Technology (TAR UMT) Sunway University Taylor's University

Frequently Asked Questions

How quickly can you start?

We respond within 24 hours of your initial message. Once NDA and DPA are signed — typically within 48 hours — Sprint 1 begins immediately. Our in-house Malaysia team of 20+ engineers has zero formation lag. Day 1 is a real start date, not a kickoff planning session.

Who owns the code and IP?

You own 100% of the code and IP from Day 1. We sign IP transfer documentation before any line of code is written. The repository is yours — we never retain a licence or fork rights.

How do you handle MAS guidelines, PDPA compliance, and audit-ready development?

We do not claim to be MAS-licensed or certified. What we do: we build with audit trails, role-based access control, encrypted-at-rest storage, and idempotent payment flows from Sprint 1. Our engineers run Fortrain — our own AI security SaaS — so compliance architecture is not an afterthought. All data handling agreements are covered in the DPA signed before the engagement begins.

What if our requirements change mid-engagement?

Our engagements are fixed-scope, fixed-price. If new requirements emerge, we document the delta and issue a separate change quote before any additional work begins. No silent scope creep, no surprise invoices.

How do you communicate across timezones?

Our team operates from Malaysia on GMT+8 — the same timezone as Singapore. English-speaking PMs provide daily GitHub progress updates and weekly demo calls. You always have a named contact, not a ticket queue.

Do you sign NDAs and DPAs before any technical discussion?

Yes, always. No technical information is shared until NDA and DPA are both signed. This applies to all engagements regardless of size. For FinTech teams under MAS scrutiny, we treat confidentiality as a hard requirement, not a formality.

Tell Us About Your Product.

30-minute call. No obligation. You'll receive a delivery scope and timeline within 24 hours.

Message received.

You'll receive a delivery scope and fixed-price proposal within 1 business day. We'll reach out to confirm a 30-minute call.