How Fintechs Can Scale Faster by Outsourcing Wallet Infrastructure

It has since become foundational in today’s fast paced financial world with FinTechs looking to scale fast but remain agile, compliant, and innovative. With the pressure to push the envelope on frictionless financial experiences becoming more intense, an increasing number of FinTech start-ups and even mid-stage companies have learned that recreating the wheel — specifically, some of the components of their tech stack from the ground up, including their digital wallet infrastructure — can be an expensive side trip from their reason to be.

The business case for outsourcing wallet infrastructure

Accelerating Time-to-Market

In the FinTech universe, speed is money. The reality is that product launch blisteringly fast can be the make or break difference between getting market share or being a footnote. Standing up wallet infrastructure from the ground up can usually be accomplished in 12-18 months taking into account hiring, architecture, integration and security hardening.

Through the process, traditional and FinTech companies benefit from established solutions built by the hands of core developers, regulatory experts, and highly scalable cloud infrastructure.

A blockchain remittance company had time-to-market slashed in half by outsourcing core wallet infrastructure to a FinTech company.
Another company building AI-facilitated lending has swiftly built their MVP by piecing together a remote team of machine learning and data science pros.

By outsourcing, execution time is also shortened, and the risk of a repeat of that work because of compliance oversights, failure to scale or have considered security is minimized.

Cost Efficiency Without Compromising Quality

FlipDish gets that, and the bootstrapping startups that are usually cash-strapped, seeking to eke out the most from budget, will be grateful. Outsourcing of wallet infrastructure adds an elastic OpEx model—FinTechs can purchase what they need when they need it, rather than investing heavily in wallet infrastructure and engineers up front.

Going serverless These serverless offerings enable all companies, not just those with large in-house DevOps teams, to:

Reduce operational costs by 20–40%
Don’t let servers that aren’t being used or hires that aren’t performing be a sunk cost
Reinvest those savings in growth channels like user acquisition or R&D

For instance, Purple Next which is a FinTech incubator realised twice the net monetary benefit by their infrastructure being managed on the cloud. They drove capital costs down and switched to predictable, scalable operational costs which allowed their companies to devote internal resources to product innovation.

Access to World Class Skills in Specialized Areas

Fintech platforms are more and more relying on sophisticated technologies—such as real-time KYC, blockchain settlements, or AI-based fraud detection. Hiring top quality talent in these niche areas, however, is costly as well as slow.

Outsourcing helps close the knowledge gap by providing access to experienced:

Blockchain architecture
Data security and compliance
Scalable cloud-native infrastructure
API into banking and reg systems

TransFi Wallet Infrastructure Product Spotlight:

The FinTech build vs buy wallet solution dilemma When FinTechs are considering their build vs buy wallet solution options, numerous firms are discovering that TransFi Wallet Infrastructure provides a powerful, turnkey utility that deploys everything necessary to launch and manage a scalable, secure, compliant wallet system.

TransFi offers:

Multi-currency wallet orchestration
Integrated KYC/AML compliance workflows
Real-time transaction immediate throughput via developer-first APIs
Infrastructure optimized for scalability, uptime, and global reach

By spinning off wallet operations to TransFi, FinTechs can concentrate on customer experience and go-to-market, not the backend. Whether you’re a neobank, lending app, or cross-border payments platform, TransFi equips you to move faster — safely.

Also read: Popular Local Payment Methods and Solutions in Zambia

Scalability on Demand

FinTech growth is rarely linear. A product rollout, marketing blitz or viral sensation can send traffic soaring past what badly built systems can handle. This is why wallet infrastructure should offer scalable, elastic performance as a given.

FinTechs benefit from outsourcing to cloud-native vendors as they:

Auto-scaling infrastructure that adjusts to usage
High availability systems with 99.99% uptime SLAs
Disaster recovery and performance monitoring included

A digital payments service provider transitioned to a cloud wallet via an outsourcing service provider. Consequently, they could manage peak traffic without latency or downtime — providing a quick, unbroken experience that kept users and increased transaction volume.

Compliance and Security Without Distraction

Managing sensitive financial data carries with it regulatory responsibilities. From PCI-DSS to GDPR to, well, you name it, compliance is not an option – it’s a license to drive.

It guarantees that partners with know-how handle your wallet infrastructure and:

Continuous updates for adjustments in regulations
Data at rest and access at scale enforced with encryption and access controls
How SOC 2, ISO 27001, and security audits keep our certifications current

Purple Next, once more, is a good example. By working with a specialist company to undertake browser wallet migration, the company became PCI-DSS compliant and were able to re-platform their infrastructure from Azure VMs to Kubernetes on AWS for increased resilience and cost profile.

Liberating In-House Teams to Work on What Counts

Internal resources are limited. For every hour you spend maintaining infrastructure, you are not working on user experience, expansion strategy, or product. That is why many FinTechs are outsourcing wallet infrastructure and also neighboring non-core operations, including:

KYC/AML verification
Customer support
Back-office and reconciliation services

It’s a 20% increase in customer retention that one FinTech company experienced after outsourcing multilingual customer support. With routine out of the way, internal teams could shift their focus to what really makes FinTechs stand-out in a busy market: delivering new features, and driving customer delight.

Also read: Global Regulation of Stablecoins in 2025: GENIUS Act, EU MiCA & Asian Competition

Real-World Proof: Applications and Outcomes

It is clear that outsourcing wallet infrastructure for a high-growth FinTech has its benefits; here are a few high-growth clients that have shown us this.

Purple Next: A company that transitioned to cloud-native infrastructure in 4 months, offshored monitoring and compliance to scale faster without sacrificing security or performance.
OriginClear: Teamed up with a water FinTech to manage finance across the Internet, allowing investors to put their money to work funding water projects anywhere in the world, the parent company concentrating on corporate sponsorship and scaling.
Digital Payments Company: Moved wallet system to the cloud to eliminate downtime during spikes, improving UX and retention.

This trend is further confirmed by the industry reports:

FinTech industry worth an estimated $698.48 billion by 2030
KYC Outsourcing can reduce the review time by 50-70% of processing.
83% of SMBs kept or grew their outsourcing budgets in 2023 (Clutch)
Experience improves by 30-40% with 24/7 multilingual support
Outsourcing equates to 30% faster product launches and 40% lower development costs

Considerations Before You Outsource

Detailed due diligence must be carried out before a FinTech picks an outsourcing partner. Look for:

Experience with fintech wallet infrastructure development
Extensive knowledge of various compliance standards (i.e., PSD2, PCI DSS, GDPR)
Flexible teams that can be resized based on product roadmap adjustments
API documentation and integration support designed for developers first
Protected hosting environments and backup systems

Conclusion:

The FinTech landscape is advantageous to speed, agility, and specialism. This is pithily phrased as “you move fast when you own a bank”, but the joke is that owning a bank isn’t supposed to make you faster: Owning a bank is owning a lot of tech stack to solve problems no one else can solve, which you could just rent, and let someone else manage your node.

Using wallet-as-a-service platforms such as TransFi, FinTechs can get to market faster, run with greater efficiency, grow more intelligently, and stay compliant effortlessly.

FAQs:

What is wallet-as-a-service for FinTechs?

Wallet-as-a-service provides an ‘as-a-service’ approach in which a third party hosts and maintains a wallet which is then made accessible for fintech developers to integrate into their applications.

Why should the digital wallet infrastructure be outsourced?

The benefits are faster time to market, lower costs to deploy, better scalability, access to specific expertise and inherent compliance and security.

Is outsourcing the answer to FinTech’s compliance woes?

Yes. Outstaff vendors sometimes retain relevant compliance certifications (such as PCI DSS, GDPR, SOC 2) keeping down the regulatory burden for FinTechs.

How does outsourcing improve scalability?

Third-party companies also provide a cloud-native infrastructure that can scale to any number of users, maintain uptime, and autoscale to demand.

When FinTech startups need to outsource wallet development themselves?

Outsourcing should actually be considered early in the game because you can cut burn, go faster with MVP and the hassle around hiring big tech and compliance teams.

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