Software development in Lithuania: market overview
Lithuania issues many EU e-money and payment licences, so fintechs there need payment, IBAN and compliance platforms.
The most active sectors we serve in Lithuania are EMI & payments, Fintech and Crypto. Lithuania clients usually work with us for one of three reasons: to launch a product faster than local hiring allows, to add specialist skills such as blockchain, payments or AI, or to reduce engineering cost without lowering quality.
Lithuania business profile
Main business hubs
Vilnius and Kaunas. We work with companies across these hubs remotely, with on-site workshops for larger engagements.
Economy
EMIs, fintech and shared services. That mix shapes the kind of software projects we are asked to deliver in Lithuania.
Talent market
Skilled, English-speaking workforce. Many Lithuania companies extend their teams with NNT engineers to move faster without long hiring cycles.
Digital infrastructure
Fast internet and direct SEPA access via CENTROlink. We design hosting, payments and integrations around this local infrastructure.
Working culture
Fintech-friendly and fast-moving. Our project managers adapt communication, documentation and meeting cadence accordingly.
Regulators that shape software in Lithuania
Bank of Lithuania
Lithuania's central bank, which has licensed many EU payment and e-money institutions and runs the CENTROlink payment system.
Data protection: EU GDPR
Personal data in Lithuania is governed by EU GDPR. We implement privacy by design — consent records, minimisation, encryption, access controls, retention rules and data-subject request workflows — and host in the region you choose.
Payments landscape in Lithuania
SEPA Instant
Euro transfers settled in seconds across the Single Euro Payments Area.
CENTROlink
The Bank of Lithuania's payment system giving licensed fintechs direct SEPA access.
Most requested solutions in Lithuania
Digital Wallet & E-Wallet App
A digital wallet app stores money or payment credentials so users can pay, transfer and top up from their phone. NNT Software develops e-wallets with KYC tiers, P2P transfers, QR and NFC payments, bill payments, virtual cards and multi-currency balances, integrated with local real-time payment rails.
Crypto Payment Gateway
A crypto payment gateway lets merchants accept Bitcoin, Ethereum and stablecoins such as USDT and USDC, with instant conversion to fiat if required. NNT Software builds white-label and custom crypto payment gateways with merchant dashboards, plugins, payouts, KYT screening and settlement reporting.
SaaS MVP Development
A SaaS MVP is the smallest version of a subscription software product that proves customers will use and pay for it. NNT Software takes founders from idea to launched MVP in 8–12 weeks with discovery, UX, multi-tenant architecture, Stripe billing and analytics.
Remittance & Money Transfer App
A remittance app lets users send money abroad to bank accounts, mobile wallets or cash-pickup points. NNT Software builds remittance platforms with live FX quotes, corridor pricing, payout-partner integrations, agent networks, sanctions screening and regulator reporting.
Lending & BNPL Platform
A digital lending platform automates loan applications, credit decisions, disbursement and repayment. NNT Software builds consumer, SME, P2P and buy-now-pay-later platforms with alternative-data scoring, e-signatures, repayment schedules and collections tools.
AI Chatbots & AI Agents
AI chatbots and agents answer customers, qualify leads and complete tasks using large language models connected to your data. NNT Software builds multilingual AI agents for websites, WhatsApp, Slack and voice, grounded in your knowledge base with human handover and analytics.
Software development services for Lithuania companies
Payment Gateway & PSP Integration
Payment gateway integration connects your checkout, app or platform to payment service providers so customers can pay by card, wallet or bank transfer. NNT Software integrates Stripe, Adyen, Checkout.com, PayPal and regional rails such as Pix, UPI, SEPA Instant and FedNow, with multi-PSP routing, payouts, 3DS2 and automated reconciliation.
Cybersecurity & KYC/AML Compliance
NNT Software provides cybersecurity and compliance engineering for fintech, crypto and SaaS companies: KYC and KYB onboarding, AML transaction monitoring, sanctions and PEP screening, travel-rule integration, and technical controls for SOC 2, ISO 27001, PCI-DSS and GDPR readiness.
Hire Dedicated Developers
NNT Software lets companies in the USA, UK, Europe, the Middle East and Australia hire dedicated offshore developers from India on monthly contracts. You interview and select React, Node.js, Flutter, Python, .NET, Java, DevOps or QA engineers who work full-time on your product with daily time-zone overlap and free replacement.
Crypto Exchange Development
Crypto exchange development is building the trading platform, matching engine, wallets and compliance tooling that let users buy, sell and hold digital assets. NNT Software develops custom and white-label spot and P2P exchanges with liquidity integrations, hot/cold wallet architecture, KYC/AML and licence-ready reporting for regulated markets.
Crypto Wallet & Custody Development
NNT Software develops cryptocurrency wallets and custody infrastructure: non-custodial mobile and browser wallets, custodial wallets for exchanges and fintechs, and MPC or multisig custody with policy-based approvals for institutions, supporting Bitcoin, Ethereum, EVM chains, Solana and stablecoins.
Custom Software Development
Custom software development means building an application specifically for your business process instead of bending your team around off-the-shelf tools. NNT Software designs, builds, tests and supports custom software for clients worldwide from its engineering centre in India, typically shipping a first working release in 6–12 weeks on fixed-price or monthly-team terms.
Cities we serve in Lithuania
Vilnius
EMIs, fintechs and shared-services centres.
Kaunas
Engineering and IT companies.
Working hours and collaboration
Our team works with 4.5–5.5 hours of daily overlap (EET). We quote in EUR or USD and run weekly demos, shared backlogs and written status reports.
How we deliver software projects
Every software engagement follows the same disciplined, transparent process. You always know what is being built, what it costs and what comes next.
1. Discovery and scoping (1–2 weeks)
Workshops with your stakeholders to understand goals, users, workflows and constraints. We document requirements as user stories, map integrations and agree success metrics, then share a written scope, milestone plan and fixed estimate for software.
2. UX and architecture (1–3 weeks)
Designers produce user flows and a clickable prototype while architects choose the stack, hosting, data model and security controls. Nothing is built until you sign off the prototype and architecture.
3. Agile development (two-week sprints)
Developers build in short sprints with a demo at the end of each one. You see working software early, give feedback continuously and can reprioritise the backlog at any time.
4. Quality assurance
Dedicated QA engineers write test cases, run manual and automated regression tests, check performance and review security basics before every release. Defects are tracked openly.
5. Launch
We deploy with zero-downtime pipelines, migrate data if needed, monitor closely during the first days and train your team or users.
6. Support and growth
After launch, SLA-backed support covers bug fixes, monitoring, security patches and continuous improvement, so the product keeps improving as your business grows.
Engagement models and pricing options
You can engage NNT Software for software development in whichever way fits your budget, risk appetite and internal team.
| Model | Best for | How billing works |
|---|---|---|
| Fixed price | Clearly defined scope and deadline | Agreed price split into milestone payments |
| Dedicated team | Long-term products and evolving roadmaps | Monthly fee per engineer, scale up or down |
| Time & materials | Exploratory or fast-changing work | Hourly or daily rates against actual effort |
| Hybrid | Fixed MVP followed by ongoing growth | Fixed first phase, then monthly team |
Whichever model you choose, you own the source code and intellectual property, work directly with the engineers, and receive weekly progress reports and demos.
Security, quality and compliance standards
Security and quality are built into every software project from the first sprint, not added before launch.
- Secure coding aligned with the OWASP Top 10 and peer code reviews on every change
- Encryption in transit (TLS) and at rest, secrets stored in managed vaults
- Role-based access control, multi-factor authentication and audit logs
- Automated tests in CI pipelines, plus manual exploratory and regression testing
- Data-protection by design for GDPR, CCPA, PDPL, DPDP and similar laws
- Infrastructure as code, monitoring, alerting and tested backups
- NDA before discovery and full IP assignment in the contract
Why companies outsource to NNT Software in India
India is the world's largest software-services hub, and NNT Software combines that talent depth with a product mindset. For software development, clients typically save 40–60% compared with agencies in the United States, United Kingdom, the Gulf or Australia, without compromising on quality or communication.
Our engineers work in English, overlap daily with your business hours and follow documented processes. You get a named project manager, direct access to developers, and the stability of a company that has delivered more than 2,000 projects since 2010 and runs eight of its own SaaS products.
Next steps
Ready to discuss software development in Lithuania? Here is how to get started with NNT Software:
- Share your goals, users, must-have features and timeline through the contact form, email or WhatsApp.
- Join a free 30-minute discovery call with a solution architect — we sign an NDA first if you prefer.
- Receive a written proposal within 48 hours: scope, milestones, team, timeline and fixed estimate.
- Kick off with a discovery workshop and see working software in your first sprint demo.