Miami, Florida
The Fastest-Growing Fintech Hub in America.
Who’s Auditing the Code?
Miami closed $6.2 billion across 400+ deals in 2025. $1.8 billion in fintech alone. 1,500+ startups. The gateway between U.S. financial markets and Latin America. We’re the onshore engineering team that makes sure the code behind it all can survive an audit.
Vibe Coding Just Shipped to a Cross-Border Payment Pipeline
AI-generated code ships fast and looks clean. Until your PCI-DSS assessor or FinCEN examiner finds the gap. When your code moves money between the U.S. and Latin America, “it passed review” isn’t a defense.
Your Offshore Team Has Access to Customer Financial Data
SOC 2, PCI-DSS, and BSA/AML regulations don’t care where your contractor is located. If they’re touching transaction records, customer accounts, or compliance-sensitive data from overseas, you’re already exposed.
Your Fintech Platform Was Built by Three Different Vendors
Each one made assumptions about tokenization, KYC flows, and data handling. None of them documented what they built. Your compliance exposure has been compounding across two countries and three regulators.
The Risks Nobody Talks About Until It’s Too Late
01
Vibe Coding Is a Compliance Breach Waiting to Happen
Your dev team is using AI to ship faster. That’s fine. Until it isn’t. AI-generated code doesn’t get reviewed the way human-written code does. It introduces logic errors, insecure dependencies, and auth gaps that slip through code review because nobody fully understands what was generated. In a city where fintech platforms process cross-border payments, handle digital assets, and serve customers across multiple regulatory jurisdictions, one unchecked endpoint isn’t just a bug. It’s a multi-regulator enforcement event.
02
Offshore Isn’t Cheaper When Financial Data Crosses Two Borders
The hourly rate looks great. Then you add: timezone delays, miscommunication overhead, rework cycles, and the realization that customer financial data, transaction logs, and KYC records left the country. Miami’s fintech companies already operate across U.S. and Latin American regulatory frameworks. Adding a third jurisdiction through offshore development compounds an already complex compliance surface. One exposure and your cost savings become a liability filing in multiple countries.
03
Your Payment Platform Is Held Together With Duct Tape
You’ve been adding to it, patching it, hiring contractors to “just keep it running.” But nobody really knows how all of it fits together anymore. The original dev left years ago. The documentation is a lie. One bad update, one deprecated library, one new integration, and your payment flows, KYC verification, or settlement systems go dark. In Miami’s hypergrowth market, a system failure doesn’t just cost you money. It costs your investors confidence.
04
Compliance Gaps Don’t Wait for Your Renewal Date
PCI-DSS, SOC 2, BSA/AML, GLBA, state money transmitter licenses. These aren’t annual checkboxes. They’re continuous requirements. Every new integration, every new team member, every infrastructure change is a potential gap. With 429+ fintech startups in Miami all scaling into regulated markets, auditors and regulators aren’t short on targets. The companies we talk to are almost always surprised to learn how many gaps they have.
05
Cyber Insurers Are Scrutinizing Fintech and Crypto Code
The days of filling out a form and getting a policy are over. Underwriters are asking technical questions, especially in fintech and digital assets. Do you have MFA? How is your code reviewed? What’s your incident response plan? If vibe-coded features are processing payments, managing wallets, or handling KYC data with no audit trail, your claim could be denied. Or your premium just tripled.
06
You’re Automating the Easy Parts, Not the Expensive Ones
Most teams automate the easy stuff. The hard stuff (legacy reconciliation workflows, manual compliance reporting, cross-border settlement integrations, KYC/AML review pipelines) stays manual because nobody wants to touch it. That’s exactly where your operational costs are hiding. We’ve seen fintech companies cut 40+ hours of manual work per week by automating the workflows everyone assumed were too complicated.
Built for the Companies That Keep This City Running
Miami isn’t just another Sun Belt relocation story. It’s the gateway between U.S. financial markets and Latin America, home to $1.8 billion in fintech deals in 2025, 1,500+ startups, and a hedge fund migration that’s reshaping Brickell into a global capital markets hub. That’s exactly where we operate best.
Fintech & Cross-Border Payments
The Americas’ Payment Bridge Needs Auditable Code
Miami is the operational headquarters for fintechs building payment infrastructure between the U.S. and Latin America. 70% of the city’s fintech capital goes to companies serving LatAm markets. Cross-border payment platforms, remittance services, neobanks, and embedded finance companies all handle transaction data that falls under multiple regulatory regimes simultaneously: U.S. PCI-DSS and BSA/AML requirements, plus the data protection and financial regulations of every Latin American market they serve. One improperly configured API and you’re managing compliance failures in two hemispheres.
Crypto, Blockchain & Digital Assets
Tokenization Is Maturing. Your Compliance Has to Keep Up.
Miami has evolved from crypto hype to real infrastructure. Blockchain.com operates from the city. Tokenization companies are building institutional-grade trading platforms. Stablecoin projects and on-chain asset managers are attracting serious capital. Coindesk’s Consensus conference is moving to Miami Beach in 2026. As regulatory clarity increases, the compliance surface for digital asset companies is expanding, not shrinking. Custody requirements, transaction monitoring, sanctions screening, and state money transmitter licensing all require code that can survive examination by FinCEN, the SEC, and state regulators.
Hedge Funds & Wealth Management
$65 Billion in AUM Moved to Brickell. The Compliance Didn’t.
Citadel relocated its global headquarters from Chicago to Miami in 2022, bringing $65+ billion in assets under management. Millennium Management, H.I.G. Capital, Fortress Investment Group, and a growing cluster of alternative investment firms have followed. These firms run complex trading systems, portfolio management platforms, and investor reporting infrastructure. SEC regulations, SOC 2 requirements, and the data security expectations of institutional LPs create overlapping compliance obligations. The offshore teams building trading tools and analytics platforms often have access that would alarm your compliance officer and your investors.
Cruise, Logistics & Travel Technology
Millions of Customers. Billions in Transactions. Code That Has to Hold Up.
Miami is the cruise capital of the world: Royal Caribbean ($74B market cap), Carnival, and Norwegian all operate from here. Ryder manages 234,000+ vehicles from its Miami headquarters. PortMiami and Miami International Airport make the city a global logistics command center. These companies process massive volumes of customer PII, payment data, and operational logistics simultaneously. PCI-DSS for payment flows, GDPR for European passengers, and SOC 2 for enterprise partners create a multi-framework compliance surface that doesn’t tolerate shortcuts.
Real Estate Technology & PropTech
Miami’s Real Estate Boom Runs on Software That Needs to Hold Up
Lennar is one of the largest homebuilders in the U.S. and a Fortune 500 company headquartered in Miami. The city’s real estate development boom has spawned a thriving proptech ecosystem: platforms handling mortgage origination, title processing, property management, and tokenized real estate investment all carry serious data obligations. Customer financial data, appraisal records, and transaction details require GLBA and PCI-DSS compliance. The startups scaling in this space are increasingly facing SOC 2 requirements from institutional partners and investors.
Stop Duct-Taping. Start Automating.
Every patch you add to a 15-year-old system is borrowed time. You know the person who built it is gone. You know nobody fully understands what happens when X triggers Y. You know it’s going to break, you just don’t know when.
We go in, map the thing, document it properly, and build a modernization path that doesn’t take your operations offline. Then we find every manual process that should have been automated five years ago and we fix it.
40+
Hours/week recovered through automation
0
Offshore contractors touching
your data
100%
US-based
engineering team
1
Point of contact who actually
knows your stack
If You Handle Sensitive Data,
You Have Compliance Obligations. Full Stop.
We don’t just build software. We build software that can survive an audit. Whether you’re preparing for SOC 2, maintaining HIPAA posture, or pursuing a DoD contract, we engineer with compliance in the architecture, not bolted on at the end.
PCI-DSS
Payment card security, transaction systems, cross-border payment infrastructure
SOC 2
Type I & II readiness, security controls, audit trail architecture
BSA / AML
Anti-money laundering compliance, transaction monitoring, FinCEN reporting
GLBA
Financial data privacy, Safeguards Rule, consumer protection compliance
The Comparison Your CFO Needs To See
Offshore looks cheaper until you run the real numbers. Vibe coding looks faster until the auditor shows up.
Here’s what the comparison actually looks like.
Hoyack Core Service |
Hoyack (Onshore) |
Offshore/Vibe Coding |
|
HIPAA & compliance-safe code practices |
Built in from day one |
Assumed, rarely verified |
|
Data stays onshore (US soil) |
Guaranteed |
Often unclear or outright no |
|
SOC 2 audit-ready code & logs |
Architected for it |
Retroactive fixes required |
|
Code review by human engineers |
Every commit |
AI-gen code often skipped |
|
Cyber insurance eligibility |
Documented & defensible |
Increasingly at risk |
|
Legacy system knowledge transfer |
Full documentation |
Knowledge walks when contract ends |
|
Real total cost (incl. rework, risk, delay) |
Predictable |
Unpredictable & compounding |
If You’re Not Sure Where Your Gaps Are, That’s the Problem.
We’ll do a no-pressure technical assessment of your current stack, compliance posture, and automation opportunities. You’ll walk away knowing exactly what’s at risk, and what it takes to fix it.
