The verdict in three sentences
A corporate treasurer, a Brickell family office or a sophisticated user checks your site for the exact licence status, custody, security, the team and audits, and leaves at the first promised return. A Miami agency asks, as a 2026 ballpark, $15,000 to $45,000 for this kind of site, while Kolonell's fixed grid shows USD 2,900 (Starter), USD 4,900 (Growth) and USD 8,900 (Premium). Over 3 years, the heaviest items are legal review, accessibility and maintenance, which belong in the budget from day one.
What a licensed firm's site has to show
In the United States, a digital asset or payments firm can fall under several frameworks at once: registration with FinCEN as a money services business, state money transmitter licenses (in Florida, the Office of Financial Regulation issues them), state-specific licenses such as the New York BitLicense, and SEC and CFTC attention depending on the nature of the products. There is no single federal privacy law, but financial institutions are subject to the Gramm-Leach-Bliley Act, and California's CCPA/CPRA applies if you serve California residents above the thresholds. This is not legal advice: your counsel signs off every statement.
| Page | What it must contain | Common mistake |
|---|---|---|
| Licenses and registrations | Numbers and states exactly as issued, date last updated | A regulator's logo with no number, or a pending license shown as granted |
| Custody and security | Custody model, real partners, controls described in general terms | Phrases like "100% safe" or "risk-free" |
| Risk disclosures | Volatility, possible loss of capital, no deposit insurance where that applies | Disclosure buried in the footer in 9-point type |
| Team and governance | Executives, chief compliance officer, board | Stock photos instead of real people |
| Reports and audits | Only attestations actually published | An upcoming audit presented as completed |
| Accessibility and privacy | WCAG 2.1 or 2.2 AA target, privacy policy, CAN-SPAM unsubscribe | Cookie banner that blocks reading on mobile |
ADA Title III suits over websites are frequent in Florida, which makes an accessibility audit before launch worth the money.
The real cost: freelancer, Miami agency, Kolonell
| Option | Build cost (2026 ballpark) | Typical timeline | Watch points |
|---|---|---|---|
| Miami freelancer | $3,000 to $8,000 | 4 to 8 weeks | Little experience with regulated content |
| Mid-sized local agency | $15,000 to $45,000 | 8 to 14 weeks | On-site workshops, copywriting often billed separately |
| Premium agency, Brickell or Wynwood | $60,000 to $150,000 | 12 to 20 weeks | Full brand, motion design, video |
| Kolonell Starter | USD 2,900 | 3 to 4 weeks | Custom site, native English copywriting |
| Kolonell Growth | USD 4,900 | 3 to 4 weeks | Full architecture for regulatory and product pages |
| Kolonell Premium | USD 8,900 | 4 to 6 weeks | Multilingual tier, for instance English and Spanish, languages set in the quote |
Local ranges reflect typical Miami agency quotes and public rate pages. Every Kolonell tier includes a project manager reachable on Eastern Time, native English or French copywriting and 3 months of support. A client area, KYC onboarding, an account dashboard or an integration with a custody provider are priced on quote. Tier details are on the international offer.
Total cost over 3 years, assumptions included
| Line item (mid-range) | Mid-sized local agency | Kolonell Premium |
|---|---|---|
| Build, English and Spanish | $30,000 | USD 8,900 |
| Spanish copy by a third party | often included, or $2,500 | $2,500 |
| Legal review by your counsel (third party) | $4,000 | $4,000 |
| Accessibility audit (third party) | $2,750 | $2,750 |
| Team photography (third party) | $2,250 | $2,250 |
| Maintenance, 33 months | market assumption: $400 / month, i.e. $13,200 | on quote after the 3 included months; market assumption: $13,200 |
| Indicative total | $52,200 to $54,700 | $33,600 |
Maintenance is a market assumption applied to both columns to compare like for like, since Kolonell maintenance is priced on quote.
When a Miami agency is still the better choice
A local agency makes sense if your launch hinges on a physical event in Miami with video production, if you want weekly in-person workshops with your compliance team, or if the site is inseparable from an app that agency already built. Otherwise, ask these questions: who reviews risk disclosures before publication? How is the licenses page updated when a state is added? Does the contact form collect data you do not need? Who owns the domain, the CMS and the analytics accounts?
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Mini case study
Illustrative example: "Biscayne Ledger", an 18-person digital asset custody firm, receives a local quote of $38,000 for an English and Spanish site. It goes with Kolonell Premium at USD 8,900, adds $2,500 for third-party Spanish copy and $4,000 for review by its counsel. Total: $15,400, that is $22,600 less, with launch in 4 to 6 weeks after content approval.
FAQ
How much does a licensed fintech website cost in Miami?
As a 2026 ballpark, a local agency asks $15,000 to $45,000 excluding legal review. Kolonell's grid runs from USD 2,900 to 8,900 depending on the tier.
Can we publish a product's returns or performance?
Any such communication is regulated and must go through your counsel and compliance. The site should avoid any promise of return and show readable risk disclosures, usually from the first product page.
Are the client portal and KYC included?
No, they are priced on quote because they depend on your providers. Allow 4 to 8 extra weeks in many cases, depending on integrations.
Do we need a Spanish version in Miami?
For a retail or Latin American audience, often yes. It belongs to the Premium tier at USD 8,900, with languages set in the quote.
What happens after launch?
3 months of support are included. After that, maintenance is priced on quote based on how often regulatory pages change.
Let's scope your project. Tell us your licenses, languages and integrations, and we will price the right tier with delivery in 3 to 6 weeks. See the international offer or request a free quote: detailed reply within 48 hours.
Mohamed Bah
Fondateur, Kolonell
Passionate about digital and entrepreneurship in Africa, Mohamed has been helping Sénégalese businesses with their digital transformation since 2020. Founder of Kolonell, he believes every SME deserves a professional and accessible online présence.
