Neobank pilot app
Sign-up with identity verification, linked bank accounts, a card or balance screen and transfers through your banking-as-a-service partner. Built for a closed pilot group, with audit logs in place from the first release.
Mobile App Development · New York, NY
Mobile App Development Company in New York
Join.To.IT is a mobile app development company for New York founders and product teams who need a senior crew without Manhattan agency rates. We work with NYC clients remotely on fintech, building and consumer apps, and fix the price of the first release before the build starts.
- KYC onboarding and payments through licensed providers
- Tenant apps for co-ops, condos and rentals
- MVP timelines planned around your next raise
- 01 Discovery call
- 02 Scope and estimate
- 03 Design and prototype
- 04 Build and test
- 05 Store release
Where New York app budgets actually go
Many New York app projects start with a deadline that has nothing to do with code. A founder has investor meetings in six weeks. A landlord wants the tenant app live before the next lease-up. A brand wants the app in the stores before a holiday drop. By that date the product has to be real, with working payments and a store listing, and the budget has to survive the rates this city is known for.
We work backward from that date. In discovery we cut the scope to the flows a user or an investor will actually touch, decide whether Flutter or native code fits, and fix the price as a package. After each two-week sprint you get a build to install and show around. Fintech apps get extra room in the plan, because a bank partner or your counsel will ask about audit logs and data handling before anything goes live.
Typical mobile app development projects in New York
Residential building app
Package alerts from the front desk, guest passes, elevator booking for move-ins and maintenance tickets with photos. One admin panel lets a property manager run every building in the portfolio.
Subscription media app
Articles, newsletters and audio in one app, with a metered paywall, App Store and Google Play subscriptions, and offline reading for the stretches of a subway ride where the signal drops.
What a New York app costs with us
We charge $25–50 per hour, and each package below is fixed-price, so the scope and the total are agreed before the first sprint.
| Package | Proof of concept | MVP | Market ready | Enterprise |
|---|---|---|---|---|
| Price | From $2,400 | From $9,600 | From $24,000 | From $48,000 |
| Typical timeline | 2–4 weeks | 2–4 months | 4–7 months | 7+ months |
| Typical New York scope | Clickable prototype and a thin backend to show investors or a bank partner | Fintech or tenant app with sign-up, payments or bookings, and an admin panel | Subscriptions, analytics, push campaigns and a link to your CRM or property system | Multi-building or multi-brand platform with roles, audit logs and a security review |
Technologies
- Swift, SwiftUI
- Kotlin, Jetpack Compose
- Flutter
- React Native
- Node.js, Laravel, Python
- Firebase, AWS, Google Cloud
- Stripe, Apple Pay, Google Pay
- OpenAI and other LLM APIs
Collaboration
Working with New York teams
Our engineers keep U.S. business hours, so a 10 a.m. standup or an afternoon release call in New York happens live with the people writing the code. If the release is tied to a funding round or a launch date, that date goes into the sprint plan in the first week.
Our U.S. operations are facilitated through Orcatec LLC, our trusted American business partner, enabling seamless collaboration with clients across the United States.
Related work
Automotive · Marketplace
Currux
From a simple request website to an app that rents a car in minutes.
Minutes to rent a car from the mobile app
Read the case study →
Fitness · Mobile product
Spinning
Studio classes, delivered on demand to subscribers on iOS and Android.
2 mobile platforms: iOS and Android
Read the case study →Frequently asked questions
Can you build a fintech app that a bank partner will accept?
We build the app and backend to the requirements your bank or BaaS partner and your counsel set: identity checks through providers like Persona or Alloy, encrypted data, role-based access and audit logs. We do not hold licenses or certify compliance. The regulatory sign-off stays with you, and we prepare the technical documents their review asks for.
Can a tenant app connect to the access and package systems in our buildings?
Often, if the vendor offers an API or a partner program. In discovery we check each system your buildings use, then plan the integrations that are possible and a manual fallback for the rest, for example front-desk staff logging packages in the admin panel. Residents get one app either way.
An NYC agency built our first version. Can you take it over?
Yes. We start with an audit of the code, the backend and the store accounts, and tell you plainly what to keep and what is slowing you down. Then we fix whatever blocks the next release and move to a normal sprint schedule. The repositories stay in your accounts the whole time.
Should a New York publisher sell subscriptions in the app or on the web?
Usually both. Readers who subscribe inside the app pay through Apple or Google billing, which takes a commission. Readers who already pay on your site sign in and get access. We connect both to one entitlement service so a subscriber is recognized everywhere, and follow the current store rules on linking out to web checkout.
How much does a mobile app cost for a New York startup?
Cost depends mostly on payments and identity checks, integrations with banks or building systems, and how many user roles need their own screens. Packages start at $2,400 for a proof of concept, $9,600 for an MVP, $24,000 for a market-ready app and $48,000 for an enterprise build, based on our $25–50 per hour rate.