My fintech app uses Stripe — do I still need a security code audit?

Yes. Stripe handles card data, but your code handles the logic around it: subscription state, webhook events, refund triggers, and access control. Stripe cannot protect you from a race condition in your own balance update logic or a webhook handler that doesn't validate signatures. We audit the integration, not just the payment processor.

Do you audit crypto and blockchain-based fintech apps?

Yes. We audit wallet key management, transaction signing flows, smart contract interaction code, RPC endpoint security, and the web2 layer that sits in front of web3. We also look at front-end injection risks that can manipulate transaction parameters before they reach the blockchain.

Can you check our app's PCI DSS posture?

We can review your code for common PCI DSS control failures — data storage, logging, access control, encryption in transit and at rest — and flag the gaps most likely to fail an assessment. We are not a QSA and do not issue formal PCI attestations, but our report gives you a clear pre-assessment remediation list.

How do you handle confidentiality for fintech source code and customer data schemas?

We sign an NDA before any code changes hands, work only in your repository with the access you grant, and never retain code or schemas after the engagement. We do not use your code to train models or share it with third parties.

VibeAudits

Fintech Code Audit

Fintech Apps Handle Money.Every Bug Is a Liability.

Security and compliance code audits for payment apps, lending platforms, crypto wallets, and AI-powered financial tools built with Cursor, Claude, Lovable, or any vibe-coding tool.

Fintech is the highest-stakes vertical for vibe-coded apps. Payment flows, KYC checks, transaction ledgers, and banking API integrations all need to be airtight before you handle a single real dollar. We audit the code, not just the scanner output.

60-minute strategy call · fixed-price quote within 24 hours · most audits start within the same week.

What Goes Wrong

The Fintech Code Bugs We Find Most Often

These are not hypothetical risks. These are the patterns we find in real fintech & financial apps codebases built with AI coding tools — Cursor, Claude, Lovable, Bolt, Replit, and GitHub Copilot. Every item below is something we can find, report on, and help you fix.

Stripe & Payment Logic Bugs

Webhook signature validation, idempotency keys, subscription edge cases, and refund flows are routinely botched by AI-generated code. We've seen race conditions that let users pay once and get multiple subscriptions, and webhooks that silently fail and never retry.

KYC / AML Flow Vulnerabilities

Identity verification flows cobbled together with third-party SDKs and AI-generated middleware are a common source of bypass vulnerabilities. We test whether your KYC checks can be skipped, replayed, or manipulated before a regulator or bad actor does.

Exposed API Keys and Banking Credentials

AI coding tools frequently embed Plaid tokens, Stripe secret keys, and banking credentials directly in code or config files. One leaked GitHub commit can compromise your entire customer base. We find every secret that should not be there.

Transaction and Ledger Integrity

Double-spend scenarios, race conditions in balance updates, and unatomic database transactions are catastrophic in fintech. We audit your transaction logic for consistency under concurrent load — before real money is on the line.

Weak Authentication on Financial Actions

Vibe-coded fintech apps often have strong login flows but weak re-authentication on high-value actions like transfers, withdrawals, or account changes. We test every privileged action for missing auth checks.

PCI DSS and Compliance Gaps

If your app touches card data, even indirectly, PCI DSS applies. AI-generated code often stores data it shouldn't, logs more than it should, and misses required controls. We map your codebase against the controls that matter for your scope.

Compliance & Regulatory Context

Fintech apps are subject to PCI DSS, SOC 2, AML/BSA requirements, and increasingly FCA or SEC scrutiny. We check your code against the controls that apply to your specific scope — payment facilitator, lender, or crypto platform.

PCI DSSSOC 2AML/BSAGDPR

Our Review Covers

A Full Code Audit Tailored to Fintech

Our fintech & financial apps code audit combines a general production-readiness review with fintech-specific security and compliance checks. You get a single prioritized report covering everything — not a generic scanner output.

Security vulnerabilities and authentication gaps

Access control and multi-tenancy isolation

Fintech-specific compliance and regulatory controls

Payment, billing, and financial logic (where applicable)

AI feature risks: prompt injection, data leakage, cost controls

Architecture, scalability, and performance bottlenecks

Secrets, API keys, and environment configuration

Third-party integration security and data flow

Use Cases We Cover

Fintech Apps We Audit

We work across the full range of fintech & financial apps products built with AI coding tools. If your app touches this space, we can audit it.

Payment SaaS with Stripe or Braintree integration

Peer-to-peer lending or BNPL platforms

Crypto wallets and DeFi dashboards

Personal finance and budgeting apps

Open banking aggregators using Plaid or TrueLayer

AI-powered trading or investment tools

Expense management and spend analytics platforms

Embedded finance features in non-fintech SaaS

VibeAudits Services for Fintech Teams

Whether you need a full security audit, help getting a stuck app to production, or coaching on the AI tools you're building with — we have a service for exactly where you are right now.

Code Audit

Most popular for pre-launch Fintech apps

A full security, reliability, and architecture review of your fintech app. Delivered as a prioritized, fix-ready report within 3–10 business days.

Finish Line Service

For stuck vibe-coded apps

Your fintech app is 80% done and stuck. We take it the rest of the way — fixing bugs, hardening security, and getting it production-ready.

Vibe Coding Education

For non-technical founders

1-on-1 coaching to help fintech founders understand the code their AI tools generate — and build more confidently from the start.

What You Get at the End of a Fintech Code Audit

A single, prioritized report — not a raw scanner dump. Every finding includes a severity rating, reproduction steps, and concrete guidance your team or AI tools can act on immediately.

Prioritized Security Findings

Every vulnerability and exposure in your fintech app, ranked by severity and business impact with fix-ready remediation steps.

Fintech-Specific Compliance Gaps

A clear list of the PCI DSS, SOC 2, AML/BSA, GDPR control gaps in your code — mapped to specific lines and components, not just framework-level policies.

Reliability and Edge Case Report

The billing bugs, race conditions, and flow failures that work fine in a demo but break in front of real customers — documented with reproduction steps.

Architecture and Performance Notes

The scalability bottlenecks, N+1 queries, and structural issues most likely to cause problems as your user base grows — with practical recommendations.

AI Feature Risk Assessment

If your app uses AI features, a dedicated section covers prompt injection vectors, cross-user data leakage, cost guard gaps, and unsafe tool execution.

Founder-Friendly Executive Summary

A plain-English summary you can share with co-founders, investors, or enterprise procurement teams — no security jargon required.

FAQ

Fintech Code Audit: Frequently Asked Questions

Common questions from fintech & financial apps founders and technical teams before booking a code audit.

Code Audits for Other Industries

Ready to Audit Your Fintech App?

Book a free 60-minute intro call. We review your repo, identify the highest-risk areas, and send a fixed-price quote within 24 hours. Most fintech & financial apps audits kick off within the same week.

NDA available before any code is shared · PCI DSS · SOC 2 · AML/BSA · GDPR · Fixed-price engagements