Vibe-code rescue for Miami fintech founders
Miami's startup scene has become the U.S. staging ground for Latin American fintech, with Brickell alone home to more than 120 funded companies moving money between the U.S. and Mexico, Brazil, Colombia, and Argentina. That concentration means more of the apps we see here touch cardholder data, cross-border payment rails, or both, which puts PCI's escalating monthly fine schedule and a bank partner's own security review on the table earlier than founders expect. We work remotely with Miami teams on Eastern hours, no office visit required, and the same $1,500 Rapid Diagnostic, credited toward the full audit, that we run everywhere.
A payments app built fast is a payments app in scope fast
Most Lovable, Bolt, or Cursor-built fintech MVPs we see reach for Stripe or a payment processor within the first sprint, long before anyone has mapped what that puts in PCI scope.
A bank partner's review comes before revenue, not after
A Miami fintech onboarding its first U.S. or LatAm banking partner almost always hits a vendor security review before the account goes live, and an AI-built app that skipped row-level security or left a service-role key in the client bundle fails that review on inspection, not on suspicion.
Cross-border rails multiply the attack surface
An app moving funds to Mexico, Brazil, or Colombia typically integrates two or three payment or KYC providers instead of one, and each integration is a place where a secret can leak or a webhook can be spoofed if nobody reviewed it as a security boundary.
A card-data leak costs more than a Miami DTC app's leak
Our own industry research prices Rescue & Harden work in three consequence tiers, not by headcount. A Miami fintech handling cardholder data sits in the moderate-to-high tier because of the fine schedule above, even if the codebase is the same size as a bootstrapped SaaS tool.
Fixed scope, same everywhere. Credited toward the full audit if you go ahead.
Priced against the exposure a PCI or bank-partner review would find, not against engineering hours.
A scorecard written for a bank partner's or a fintech investor's technical reviewer.
Miami founder questions
Do you have a Miami office?
No. Rescue Engineers is a fully remote team. Miami founders work with us the same way founders anywhere do, over video calls, written diagnostics, and direct repo access, scheduled on Eastern hours.
Can you make my app PCI compliant?
No, and no engineering firm can. A PCI DSS attestation of compliance can only be issued by a certified Qualified Security Assessor. What we do is the remediation and hardening work that supports your own QSA-led process: closing the specific gaps a QSA would flag, before they flag them.
Do you work with LatAm cross-border payment apps specifically?
Yes. We regularly audit integrations with multiple payment and KYC providers at once, which is the normal shape of a Miami fintech app moving funds across two or three countries rather than one.
How fast can you start if a bank partner's review is already scheduled?
Triage usually begins within 24 to 48 hours. If you have a dated review or onboarding deadline, say so when you reach out and we scope around it.
Related reading
Send us the repo. We'll tell you the truth about it.
A senior engineer reads your actual code and gives you a straight assessment, on your schedule.