Locations · Miami, FL
Senior European engineering teams for Miami fintech, crypto, and LATAM-bridge platforms. Brickell is the densest US concentration of Spanish-speaking founders building rails between North America and Latin America — we sit in the same time zone (ET, 6 hours from Berlin), speak Spanish and Portuguese on the team, and have shipped PIX, SPEI, Open Banking Brazil, Solidity contracts, and MPC custody into production for multi-jurisdictional fintech. Dedicated teams from 12,000 EUR/month, fixed-scope MVPs from 25,000 EUR. We contract through our German GmbH, invoice in USD/EUR or stablecoin, and never sub-vendor.
Miami's 2026 tech identity finally crystallized after the 2021–2023 hype cycle filtered out the tourists. What remained is concentrated and real: a fintech-and-crypto-heavy ecosystem in Brickell, a venture base that survived the 2024 reset (Founders Fund Miami office, OpenSea relocation residue, Andreessen Horowitz crypto presence, Coatue, Thrive, Lux), and an unmatched LATAM bridge. Roughly 70 percent of Miami fintech startups serve a multi-jurisdictional consumer or SMB base spanning the US, Mexico, Brazil, Colombia, Argentina, Chile, and Puerto Rico. The 2024 spot Bitcoin ETF approval and the 2025 stablecoin regulatory clarity (GENIUS Act passage) pulled a second wave of crypto founders to Miami specifically because of the favorable Florida regulatory posture, no state income tax, and direct flights to LATAM hubs.
The market is also small enough that senior engineering talent gets recycled fast. Coinbase, Robinhood Crypto, Bitso, MercadoLibre, Belvo, Nuvei, dLocal, Fiserv (Coral Gables), and the surviving 2021 cohort (Mercury, Pipe, Bolt diaspora) all pull from the same 3,000-engineer Brickell pool. Fully loaded senior engineer cost in 2026 is $180–$280/hr — lower than Bay Area but high relative to historical Miami baselines and rising. Add the structural shortage of engineers who actually speak production-grade Spanish or Portuguese, and the gap between what you can hire and what you need widens fast. EU nearshore solves both the cost equation and the LATAM-fluent talent gap simultaneously: 65–95 EUR/hr senior engineers, half of whom speak Spanish or Portuguese, who have already shipped PIX, SPEI, CoDi, and Open Banking Brazil into production.
Miami senior engineer loaded cost: $180–$280/hr (Florida no state tax is a recruiting hook, not a discount — comp expectations match coastal markets). Our EU senior engineer: 65–95 EUR/hr (~$70–$103). For a 5-engineer team over 12 months, $620k vs $1.7M.
Spanish and Portuguese on the team, real PIX/SPEI/CoDi/Open Banking Brazil production experience, and an understanding of LATAM consumer UX, KYC patterns, and payment-rail quirks — without needing to staff up a separate LATAM dev shop.
Berlin to Miami is 6 hours — our standard 9:00–18:00 CET workday already covers your 9:00–12:00 ET every day. Shifted shift extends to 5:00–14:00 ET. Same time zone as your NYC investors and FL clients.
USD ↔ MXN, USD ↔ BRL, USD ↔ ARS rails with PIX, SPEI, CoDi, Open Banking Brazil, and ACH/wire on the US side. KYC/AML with Sumsub, Persona, Alloy, or in-house.
Wallet infra (custodial + non-custodial), Solidity on Ethereum L1/L2/Base, Solana in Rust/Anchor, MPC custody (Fireblocks, BitGo), Travel Rule, on-chain analytics (Chainalysis, TRM).
USDC/USDT settlement, on/off-ramps via Bridge, Stripe Crypto, Circle Mint, MoneyGram Access, MetaMap KYC, and GENIUS Act-aligned compliance posture for US-issued stablecoin flows.
Multi-region commerce with country-specific tax engines (CFDI for Mexico, NF-e for Brazil), local payment methods (OXXO, Boleto, Mercado Pago), and LATAM logistics integrations.
RAG, agent orchestration, multilingual (English/Spanish/Portuguese) chatbots, voice agents on ElevenLabs/Vapi, and fraud-detection models for cross-border fintech use cases.
Drop-in senior engineers inside your sprint, or a self-managed pod with tech lead, engineers, and QA. Either model, your roadmap, your standups, our team accountability.
A Series A US-LATAM remittance startup needs to add PIX (Brazil) and SPEI (Mexico) instant rails plus a stablecoin settlement layer behind the scenes, while passing a SOC 2 Type II audit before Series B fundraise. We deliver the rails in 5 months with a 4-person team, parallel SOC 2 evidence collection, and a stablecoin treasury implementation that the regulator-friendly auditor approves.
A post-2024 crypto company needs to ship a non-custodial wallet, MPC fallback, fiat on-ramp, and a yield product compliant with GENIUS Act stablecoin rules. We deliver a 14-week MVP at 48,000 EUR — React Native app, Solidity contracts on Base L2, Fireblocks integration, Circle Mint — with a staff engineer continuing as embedded tech lead post-launch.
A US-based vertical SaaS that wants to expand to Mexico and Brazil needs CFDI invoicing, NF-e e-invoices, multi-currency billing, and a Spanish/Portuguese UX layer. We staff a 5-person team for 8 months that integrates the country-specific tax engines, builds the locale infrastructure, and ships the first 200 paying LATAM customers.
CET (Berlin) is 6 hours ahead of ET (Miami) year-round. Our default 9:00–18:00 CET workday gives Miami every hour from 9:00 ET to 12:00 ET in real-time overlap, plus async hand-off for your afternoon. For deeper overlap we offer a shifted 11:00–20:00 CET shift covering Miami 5:00 ET to 14:00 ET — covering the full first half of your working day including the LATAM-friendly early-morning calls (Brazil opens 2 hours before Miami). For incident-grade work we extend lead-engineer availability to 22:00 CET (16:00 ET). We also offer optional Spanish or Portuguese language standups when your stakeholder layer prefers them.
Miami clients contract with YuSMP GmbH, our Berlin-registered German operating entity (DE VAT, GDPR DPA template ready, US-side bank rails for USD invoicing, and stablecoin invoicing rails via Stripe Crypto or Bridge for crypto-native clients). Master Services Agreement is governed by either Delaware law (default) or Florida law — we have signed both. Standard package: mutual NDA, IP assignment on payment, work-for-hire, source-code escrow available, DPA covering GDPR Art. 28 and CCPA, BAA for healthtech-adjacent fintech work. SOC 2 Type II in progress (H2 2026), SOC 2 Type I available now, ISO 27001 mapping for procurement review. We sign GLBA processor terms for fintech, and we are aware of the FinCEN Money Services Business landscape if you are an MSB or BitLicense applicant.
From 12,000 EUR/month. 2-person pod (1 tech lead at 50%, 1 senior engineer at 100%). Drop-in inside your sprint. Three-month minimum.
From 28,000 EUR/month. 4–6 person team: tech lead, 3–4 engineers, QA, optional product analyst. Self-managed delivery against your roadmap.
From 25,000 EUR. 6–10 week MVP build with a written scope, fixed price, hand-off to your team or our retainer.
Net 30 standard. USD, EUR, or stablecoin (USDC) billing. No setup fee, no recruiter fee, no equity asks.
45-minute call: product, jurisdictions, rails, regulatory posture, timeline. Written team proposal in 3 business days.
NDA in 24 hours, MSA + DPA in 5–7 days. Delaware or Florida law, USD/EUR/USDC invoicing.
Named engineers on-boarded into your Slack, Linear, GitHub within 5 business days. First demo in week 2.
Daily standup 9:00 ET, weekly demo, bi-weekly architecture review, monthly written report to your CTO and board.
Miami senior engineer fully loaded cost in 2026 sits between $180 and $280 per hour — pushed up sharply by the 2021–2023 crypto/fintech VC influx that reset comp expectations in Brickell and Wynwood. Our EU senior engineers bill at 65 to 95 EUR per hour (~$70 to $103), with no recruiting fees, no equity dilution, no Florida no-state-tax bonus to compete with. For a 5-person team running 12 months, $620k vs $1.7M. The engineers are equivalent seniority: 8+ years, ex-crypto, ex-fintech, ex-marketplace patterns are common in our talent pool.
Yes — Eastern Time is the most natural overlap for European nearshore teams. CET (Berlin) is 6 hours ahead of ET (Miami). Our default 9:00 to 18:00 CET workday gives Miami a daily overlap from 9:00 to 12:00 ET (15:00 to 18:00 CET), which covers your full morning. For deeper overlap we offer a shifted 11:00 to 20:00 CET shift covering Miami 5:00 to 14:00 ET — the full first half of your working day.
That is one of the most distinctive reasons Miami clients hire us. Many Miami fintech and crypto startups serve LATAM (Mexico, Brazil, Colombia, Argentina) or operate hybrid teams across Miami + Mexico City + São Paulo. Our team includes Spanish and Portuguese speakers, we have shipped PIX integrations for Brazilian fintech, SPEI integrations for Mexico, and we understand LATAM-specific payment rails, KYC requirements, and consumer UX expectations. We act as the engineering bridge between your Miami HQ and your LATAM operations.
Yes. Miami became a serious crypto hub during the 2021–2024 cycle (Bitcoin 2024 conference, MiamiCoin legacy, BlockFi diaspora) and the post-2024 ETF era brought a different shape of crypto company. We have shipped wallet infrastructure (custodial and non-custodial), Solidity smart contracts on Ethereum L1 and L2 (Arbitrum, Optimism, Base), Solana programs in Rust/Anchor, MPC custody integrations (Fireblocks, BitGo), Travel Rule and on-chain analytics (Chainalysis, TRM), and the back-office systems crypto startups always under-invest in.
Dedicated teams start at 12,000 EUR per month for a focused 2-person pod. Typical 4–6 person teams run 28,000 to 45,000 EUR per month all-in. Fixed-scope MVPs start at 25,000 EUR for 6–10 week builds (a common entry point for Miami crypto/fintech startups raising on a 6-month runway). We invoice in USD or EUR (and stablecoin via Stripe Crypto or Bridge for crypto-native clients), Net 30 standard. Three-month minimum on dedicated teams.
