Now taking projects for 2026

Mobile apps for your business, built in Charlotte.

We're an app development studio that actually ships. Our own apps are live on the App Store and Google Play with users around the world — and we bring that same engineering to iOS and Android apps for Charlotte businesses.

Fixed quotes · One codebase for iPhone & Android · You own everything

Mara voice AI companion app built by Charlotte Fintech, shown on an iPhone ChinCheck AI sports-scoring app built by Charlotte Fintech, showing a 95.4 score on an iPhone
2
Apps of our own, live on both stores
175+
Countries where our apps are available
12+
Languages our products ship in
1000s
Of real users on apps we operate

Proof, not promises

Apps we built, launched, and operate ourselves

Most agencies have never shipped their own product. We run two — through App Store review, real users, real revenue, and real 2 a.m. bug fixes.

AI · Computer Vision iOS + Android Subscriptions

ChinCheck — AI sports scoring from your camera

Record 30 seconds of shadowboxing and an AI judge scores your technique, ranks you on a global leaderboard, and calls out your biggest weakness.

  • On-device pose tracking + AI video analysis
  • Live head-to-head duels over peer-to-peer video
  • Localized in 12+ languages on both stores
  • Full subscription business: trials, paywalls, A/B testing
Read the case study →
ChinCheck app score breakdown screen showing punch analysis
Voice AI iOS + Android Realtime Audio

Mara — a voice companion that remembers you

Real-time voice conversations with an AI companion who listens, remembers every conversation, and picks up where you left off.

  • Low-latency realtime voice AI infrastructure
  • Long-term memory across every conversation
  • Subscription monetization with free trial
  • Live on the App Store and Google Play
Read the case study →
Mara voice AI app conversation screen

How it works

From first call to live app — a process with no surprises

01

Discover

A free consultation. We map what your app needs to do and what it should cost — you get a fixed quote.

02

Design

Clickable designs of every screen before a line of code is written. You approve exactly what gets built.

03

Build

Weekly builds on your own phone via TestFlight. You watch the app come to life, not a slide deck.

04

Launch

We handle App Store and Google Play submission, review, and compliance under your accounts.

05

Grow

Analytics, updates, and new features on an ongoing plan — or a clean handoff to your team. Your call.

Why Charlotte Fintech

The difference between an agency and a studio that ships

We operate our own apps

ChinCheck and Mara aren't portfolio mockups — they're live products with paying subscribers. Every recommendation we make to you has been tested with our own money first.

Fintech-grade engineering, whatever you build

Based in the nation's second-largest banking city, we hold every app to the standard payments demand: secure auth, encrypted data, reliable billing, audited infrastructure.

One codebase, both stores, half the cost

React Native + Expo means your iPhone and Android apps share a single codebase — dramatically cheaper to build and maintain than two native teams, with native modules where it counts.

Local and accountable

We're in the Charlotte metro. Meet us in person, call us directly, and work with the actual people writing your code — not an account manager relaying messages overseas. More on app development in Charlotte.

Ali Eskiev, founder of Charlotte Fintech
"I spent my finance career watching what happens when software fails people with real money on the line. I build apps for Charlotte businesses the way banks expect systems to be built — and I ship my own apps to prove it."
Ali Eskiev, Founder — read his story

5.0 ★ on the App Store

What users say about the apps we've shipped

★★★★★
"This is a really cool application and is very well executed. The shadow boxing concept and scoring feedback is a great way to develop and strengthen your skillset."
Remone S — App Store review of ChinCheck
★★★★★
"The AI feels incredibly natural and calm when I talk through my thoughts or feelings at the end of the day. She actually remembers what I share and gives thoughtful reflections."
Daily clarity — App Store review of Mara
★★★★★
"This app has been extremely helpful for me. It replaced my daily diary and offers great insight. I rarely recommend apps to friends but I felt compelled after this."
SNKRhead3 — App Store review of Mara

Real, public App Store reviews — verify them yourself on ChinCheck and Mara.

Questions

Frequently asked questions

How much does it cost to build a mobile app in Charlotte?
It depends on scope. A focused MVP with a clear feature set costs a fraction of a full product build-out. After a free consultation we give you a fixed quote with milestones — no open-ended hourly billing surprises. For typical ranges, see our Charlotte app development cost guide.
How long does it take to launch on the App Store and Google Play?
Most MVPs go from kickoff to live on both stores in 8–14 weeks. We handle App Store and Google Play submission, review, and compliance ourselves — we've shipped our own apps through both processes many times.
Do you build for both iPhone and Android?
Yes. We build with React Native and Expo, which gives you a single codebase that runs natively on both iOS and Android — roughly half the cost of building each platform separately, with native modules where performance demands it.
Who owns the code and the app?
You do. The code, the app store listings, and every account are owned by your business from day one. We set everything up in your name and hand over complete access.
Do you only work with fintech companies?
No — we build apps for businesses of every kind: services, fitness, health, retail, logistics, and more. The name reflects our home base in Charlotte, the nation's second-largest banking center, and the fintech-grade standards we bring to payments, subscriptions, and security in every app.
What happens after my app launches?
Launch is the starting line. We offer ongoing plans covering updates, crash monitoring, analytics, A/B testing, push notifications, and new features — the same growth toolkit we run on our own apps every day.
Will you sign an NDA? What about my idea?
Yes — we're happy to sign an NDA before you tell us anything sensitive. And to address the unspoken worry: we don't take ideas. Our own product pipeline is full, and our business is building yours. Everything we build for you is owned by you, under contract, from day one.
My app is half-built or broken — can you take it over?
Yes. Rescue projects are some of our most common work: a developer disappeared, an offshore build stalled, or an app is live but crashing. We start with a code audit so you know exactly what you have, then give you a fixed quote to finish, fix, or rebuild — whichever is honestly cheaper.
Do you build websites too?
Yes — we design and build fast, search-optimized websites, usually alongside an app project or as the first step before one. If a website serves your goal better than an app, we'll tell you that in the first call and build you the website instead.

Have an app idea for your business?

Tell us what you're thinking. We'll tell you honestly what it would take to build — and whether it's worth building at all.

Start the conversation