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4IRE Labs

4IRE Labs

Review
★8/10
🇪🇪 Tallinn, Harju County, Estonia·50 - 249 employees·Est. 2010·Reviewed Nov 2026

Banking, fintech and blockchain software development since 2010

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Best For
Banks and fintechs building regulated digital finance products
Hourly Rate
$25-49/hr
50% below the $75/hr median for software agencies in Estonia
Min. Project
$10,000+
Industries
Financial Services, Banking, Blockchain
4IRE Labs

Clients

FICOFirst Abu Dhabi BankTeradataJumioTBC BankNEARRarible

About 4IRE Labs

4IRE Labs is a software development company founded in 2010 that builds compliance-grade software for banks, fintechs and regulated enterprises, with its head office in Tallinn and a sales office in Stockholm. Its 50+ developers and IT professionals work on digital banking and neobank platforms, payment orchestration, core banking, KYC/AML infrastructure, SEPA and SWIFT integrations, blockchain and DeFi protocols, stablecoins and real-world-asset tokenization, and AI infrastructure for finance, and the company also offers white-label products such as its NeobankX platform. 4IRE reports 250+ delivered projects and work for banks including Danske Bank and First Abu Dhabi Bank. Projects include an eight-year partnership that grew Swedish booking app Agendo from an iOS MVP into a full automation platform, smart contracts and DeFi security work for Ondo Finance, and the audit, rescue and launch of the Loop digital wallet for a Saudi fintech.

Who 4IRE Labs Is Best For

4IRE Labs is best for banks, fintech startups and Web3 teams that need an experienced engineering partner for digital banking, payments, tokenization, stablecoin or DeFi products where compliance and security matter.

Why Choose 4IRE Labs

16 years of fintech and blockchain engineering
Work for banks such as Danske Bank and First Abu Dhabi Bank
White-label neobank and tokenization platforms

Things to Consider

Narrow focus on finance and Web3 projects
$10,000+ minimum project size
Distributed delivery across European offices

4IRE Labs Services

Custom Software DevelopmentBlockchain DevelopmentFintech Software DevelopmentSmart Contract DevelopmentAI DevelopmentMobile App Development

Selected Work

Agendo booking platform

Agendo

Agendo's CEO hired 4IRE in 2017 after struggling to find a local vendor in Stockholm to build the Swedish booking app for iOS. Over the following years 4IRE grew the MVP into a full platform for bookings, online payments, access control with digital keys, cloud data storage and marketing, supporting the company's international expansion.

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Ondo Finance DeFi security

Ondo Finance

4IRE developers tested Ondo Finance's existing vault strategies, wrote new smart contracts and strategies to make liquidity provision on DEX platforms smoother and safer, and handled front-end development and design for the US DeFi company's updated website.

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Loop digital wallet rescue

BayanPay

After a previous contractor missed deadlines, Saudi fintech BayanPay asked 4IRE to take over its SAMA-licensed Loop e-wallet. A 10-person team audited the code for quality and security, completed development, hardened security and integrated local banking systems to prepare the app for launch.

View case study

Photos

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