Blockchain & Web3 Development Company in Miami

Custody and on-ramp obligations are where a Miami Web3 budget widens: a scoped Web3 proof of concept at Miami rates, a production smart contract suite with third-party audit (CertiK, Trail of Bits, OpenZeppelin, or Halborn), or full Web3 platforms with custody integration (Fireblocks or BitGo), Lightning Network support, Latam KYC, and Florida OFR-compliant fiat on-ramps. Scope drivers include smart contract scaffolding, a testnet deployment, and a dApp demo with English and Spanish UI. Miami rates sit at or slightly above New York for Web3 specifically because of the Citadel-driven talent premium and the Latam-bridge specialty. We give fixed-fee proposals after a one-week discovery, not open time-and-materials estimates.

If your platform transmits fiat for users, you almost certainly need a Florida money transmitter license from the Office of Financial Regulation (OFR) under the Florida Money Services Businesses Act, plus FinCEN MSB registration federally, plus money transmitter licenses in any other US states where users live (the patchwork is the hard part). Florida HB 273 (2022) defined virtual currency and clarified it is not legal tender in Florida, while Florida SB 1834 (2023) banned CBDC use as money inside the state, mostly as a symbolic stance. Token issuances face SEC Howey analysis, with Regulation D 506(c) and Regulation S being the two most-used exemptions for Miami funds. Commodities-leaning products fall under CFTC oversight. We deliver an applicability memo during discovery covering OFR, FinCEN, SEC, CFTC, and OFAC obligations, but we are not your law firm and final positions sit with your securities counsel.

Yes, and frankly any Miami Web3 product targeting Bitso, Lemon, Ripio, or Belo audiences that ships English-only is leaving most of its market on the floor. We build dApps with next-intl or react-i18next supporting es-419 (Latam Spanish) and es-US as first-class locales alongside en-US, with locale-aware number and currency formatting that handles ARS, MXN, COP, BRL, and CLP alongside USD and stablecoin denominations. Onboarding flows integrate Sumsub or Persona with document templates tuned for Argentinian DNI, Mexican INE, Colombian CC, and Brazilian RG and CPF identity documents. Customer support handoffs route to Spanish-speaking agents through Intercom or Zendesk with language detection on the wallet address. We have shipped these patterns for Latam exchange clients and the conversion lift on Spanish-first onboarding is consistently double the English-only baseline.

We write production Solidity, Vyper, and Solana Anchor code with internal Slither, Mythril, Echidna, and Foundry fuzz test coverage, but we do not market ourselves as a third-party audit firm. For any contract holding meaningful value at risk we coordinate audits with CertiK, Trail of Bits, OpenZeppelin, Halborn, or Spearbit depending on chain, language, and timeline. Our internal pre-audit pass typically catches the common issues (reentrancy, integer overflow, access control, oracle manipulation, MEV exposure, signature replay) so the paid audit focuses on subtler economic and game-theoretic risks. We bake audit remediation cycles into the project timeline rather than treating audit as a one-shot gate at the end. For Florida OFR examinations, the third-party audit report and our Slither and Foundry coverage logs both go into the compliance binder.

OFAC sanctions screening is non-negotiable for any US-touching crypto platform, especially in Miami where Cuba, Venezuela, and Iran exposure is a real and ongoing risk given the Latam corridor. We integrate Chainalysis Reactor and TRM Labs at the address-screening layer, blocking deposits from and withdrawals to SDN and Specially Designated Nationals list addresses, plus high-risk jurisdiction flags. KYC layer uses Sumsub or Persona to screen against OFAC, UN, EU, and HMT sanctions lists at onboarding and on an ongoing basis. We build address-clustering monitoring through Forta or Tenderly to flag wallet behaviour suggesting sanctions evasion or mixer use (Tornado Cash flows specifically, which OFAC sanctioned in 2022). All hits route to a human reviewer with a documented escalation path to your BSA officer, and we keep the audit trail for at least five years per FinCEN recordkeeping rules.

Yes. Lightning is one of our most-requested Miami stacks, partly because Strike’s presence has shown the local market what instant USD-BTC settlement looks like at sub-cent fees. We build Lightning integrations on Lightning Labs LND or Core Lightning depending on operational preference, with channel management automated through Lightning Loop, Lightning Pool, or custom rebalancing logic. For merchant-facing flows we typically run a custodial Lightning service so the merchant never holds BTC directly and books revenue in USD at settlement, which keeps Florida sales tax and federal income reporting clean. Point-of-sale SDKs ship for iOS, Android, and web with QR-code invoice generation and BOLT 12 offers where supported. We have built these for both Latam remittance corridors (Lightning then off-ramp to local fiat through Strike, Bitso, or Lemon partner rails) and US merchant acceptance (Lightning then off-ramp to USDC or USD bank settlement).

We build on Ethereum mainnet, Base (Coinbase’s L2), Arbitrum One, Polygon PoS, and Solana for the vast majority of Miami client work, plus Bitcoin and Lightning for payments-focused builds. Chain selection comes out of discovery and is driven by use case, not preference. Tokenised real-world assets under Regulation D usually go on Ethereum mainnet or Base for institutional credibility and liquidity composability. High-frequency or low-fee payments lean Solana or Polygon for cost. Latam consumer wallets often run Polygon or Base because gas economics work for sub-dollar transfers. Citadel-influenced institutional funds typically want Ethereum mainnet for the deepest custody and prime broker support. We avoid speculative or thin-liquidity chains unless there is a specific ecosystem reason, because Miami institutional LPs and the OFR are not impressed by chain-of-the-month launches.

A typical Miami tokenised RWA platform (real estate fractions, private credit notes, treasury products) takes sixteen to twenty-four weeks from kickoff to mainnet, assuming Regulation D 506(c) structuring is already underway with your securities counsel and the SPV legal work is in flight. Week 1 to 4 is regulatory classification, smart contract architecture, and KYC-gated transfer agent integration design. Week 5 to 12 is Solidity development, Foundry testing, Slither and Mythril static analysis, and testnet deployment. Week 13 to 18 is third-party audit (CertiK, Trail of Bits, or OpenZeppelin), audit remediation, multisig and timelock setup on Safe, and Florida OFR money transmitter applicability filing if applicable. Week 19 onward is mainnet deployment, transfer agent integration, accredited investor verification through Parallel Markets or VerifyInvestor, and gradual investor onboarding. Add four to six weeks if Spanish-first Latam onboarding is in scope from day one.