// Regulated search
Fintech SEO Agency
Lending, payments, deposits, cards, investing. We build the search demand engine around your compliance path instead of against it, and keep every rate you publish true.
- ~300xpage footprint, from hundreds to hundreds of thousands
- ~10xincremental signups, year over year
- 10+regulated markets run in parallel
Measured at a top 5 global crypto exchange, where our founder owned the organic channel. Figures are relative and rounded. That is adjacent to fintech, not the same as it, and we set out exactly what transfers below.
Fintech is regulated twice over.
Once by the jurisdiction you sell in and once by the product you sell. Six constraints follow from that, and together they are why fintech SEO is a different job from the one most agencies have done.
Regulated by jurisdiction
A licence in one country is not a licence in the next. The same page cannot be shown everywhere, so international structure is a legal question before it is a technical one.
Regulated by product
A lending page, a deposit page and a payments page each answer to a different rulebook. One site, several regimes, and a template that ignores that will fail review.
Claims carry legal weight
Returns, APY, insurance and licensing are not marketing copy. Written loosely they are a regulatory exposure, and an engine will repeat the loose version for months.
Compliance sits in the path
Nothing ships without review. An SEO plan that assumes a page goes live the week it is written is a plan your compliance team will quietly stop.
Rates change on a schedule
Fees, APRs, limits and terms move on a calendar you do not control. Every page stating one is a page that goes wrong on a known date.
Your brand results are borrowed
Comparison sites, review aggregators and complaint boards outrank you for your own name, and those are the pages an assistant reads when someone asks whether you are safe.
One site, three rulebooks
Most agencies treat a fintech site as one thing with one template. It is not. The same company can carry a lending page, a deposit page and a payments page, and each one answers to a different regime, which changes what the page must say, how often it changes, and who signs it off.
| Page type | What the regime forces onto the page | What that means for search |
|---|---|---|
| Lending | Representative rates, total cost of credit, eligibility and affordability language, risk warnings. | The number in your title tag is a regulated figure. Rate driven pages need one source of truth and a scheduled recheck, not a copywriter. |
| Deposits and savings | APY or AER stated with its conditions, deposit protection and who actually holds the money. | Rates move often enough that a stale page becomes a stale AI answer. Structure the number once and template around it. |
| Payments and cards | Fees, FX handling, settlement times, chargeback and dispute terms, and which entity is licensed where. | Comparison intent dominates the queries here, so the fee table is the ranking asset and it has to be machine readable. |
| Investing and brokerage | Past performance disclaimers, risk warnings, jurisdiction restrictions on who may even see the offer. | Geography is a hard gate rather than a preference, so international structure is compliance work first and hreflang second. |
The practical consequence is that throughput is set by review capacity rather than writing capacity. We plan around that from week one: briefs carry approved claim language, the review path is agreed before anything is written, and the roadmap is sequenced so the pages needing the least review ship first and start earning while the heavier ones are still in the queue.
The fintech SEO process, first six months.
Four phases. Each one ends with something you can ship. The first phase ends with an artefact most SEO engagements never produce: a written inventory of every claim already live on your site, and an agreed path for approving the next one.
- 01 Weeks 1 to 3
Baseline and claims inventory
We crawl every page you have, gather the questions your buyers actually ask, and inventory every rate, fee, APY, licence and insurance claim already published on your site. You get a ranked list of what is costing you traffic and a written review path agreed with your compliance team, so nothing after this stalls waiting for one.
- 02 Weeks 4 to 8
Foundation
We fix what stops engines reading you. Rendering, crawl access, internal links, schema, page architecture, and the jurisdiction logic that decides which page a visitor in which country is allowed to see. Every fix verified live before we call it done.
- 03 Weeks 9 to 20
Build, through review
We ship the pages that earn demand: product pages by regime, comparison pages, market pages, calculators. We write the briefs with the approved claim language already in them, your team writes to them, and compliance reviews before anything goes live. Briefs are built to pass review the first time, because a second round is the real cost.
- 04 Month 6 onward
Compound and hold
We earn coverage, scale the templates that worked, and keep every stated rate and term current as they change. Each turn costs less than the last, and nothing you published in month two is quietly wrong by month nine.
What lands in your inbox.
The deliverables, on a fixed cadence. Nothing here arrives only because you asked for it.
- Every week
- Crawl diff on your live site flagged by severity, plus a drift check on every published rate, fee and term against your current source of truth.
- Every two weeks
- Shipped work log with links, plus the next two weeks committed and already through brief stage.
- Every month
- Performance report: rankings by intent, non brand traffic, pages indexed, links earned, AI citations won and lost, and the revenue behind each.
- Every quarter
- Fixed question set rerun, competitive position, roadmap reset, and a call with the person who did the work.
- Always on
- A stated fact that goes stale is escalated the day we find it, never held for the next report. A wrong APY or a wrong licensing line is a compliance problem, and it does not keep until Friday.
How long does fintech SEO take?
Technical fixes move within weeks. New pages take 3 to 6 months to reach the position they will hold. Authority compounds from month 6 and keeps compounding. Meaningful growth in non brand traffic typically lands between months 6 and 12.
Fintech runs slower than most categories on the content half, because every page passes review, and faster on the technical half, because these sites are usually large, heavily templated and full of fixable retrieval problems. We commit the first 90 days because the foundation has to be finished before anything built on it can rank. Anyone promising faster is selling the part that does not last.
What we have done, and what we have not
Our founder built and ran the organic search channel at a top 5 global crypto exchange, across more than ten international markets, with a different regulatory position in each and a compliance review on every page that shipped. Hundreds of pages became hundreds of thousands. Incremental signups grew roughly tenfold year over year.
That is adjacent to fintech. It is not the same as fintech. We have not run organic search for a chartered bank, a consumer lender or an insurer, and we are not going to imply otherwise on a page trying to win your business.
What transfers is the part that is hard to hire: multi entity market architecture where the operating company differs by country, publishing at scale through a compliance review path rather than around it, and keeping hundreds of thousands of pages of changing financial facts accurate without a person editing them by hand. What does not transfer is knowing your specific regulator better than your own counsel does, and we will not pretend to.
Most agencies bidding for this work imply experience they lack. If you ask us which parts of your problem we have solved before and which parts we have not, you will get a straight list before you sign anything.
Proof of a different kind: the fintech access finding
We audited 146 crypto and fintech sites for AI crawler access. Of the 55 fintech sites whose robots.txt we could read, not one blocked a crawler that feeds ChatGPT, Perplexity or Claude. A single fintech company blocked anything at all, and what it blocked was training crawlers rather than answer engines.
That kills the most common pitch in this category. If an agency opens by telling you that you are accidentally blocking AI crawlers, the odds say they have not checked. In fintech the door is open and the visibility gap is somewhere else: in what your pages actually state, in whether the stated version is current, and in whether anyone besides you says it.
Our second study, of 45 crypto and fintech companies, found that technical readiness alone does not raise the rate at which engines cite your site. Third party presence is what predicts whether you appear in the answer at all. We published the method and the dataset, which also means we can be wrong in public.
We build engines, not campaigns.
Pages earn links, links build trust, trust makes the next thousand pages rank faster, and the pages that rank are the pages AI cites. Each turn costs less than the last, which is why we do not sell three month engagements.
This is what a fintech brand looks like in AI answers when nobody is watching it. Named by 3 of 5 engines. Sample report, fictional brand. See the sample →The pages that earn fintech demand.
Six page types do almost all the work. The first three are built from templates and a data feed, which is how a few hundred pages becomes a few thousand without a rate going stale in one of them.
Product pages by regime
Lending, deposits, payments, cards, investing. One template per regime rather than one for the whole site, because the required disclosures differ by product.
Comparison pages
You against the incumbent your buyer is weighing you against. These win the searches closest to an application.
Market pages
One page per country you are licensed in, carrying that market entity, that regulator and the rule for what may be said there.
Calculators
Repayment, yield, fee and conversion tools. They answer the question a rate page only states, and they earn links without asking for them.
Trust and licensing pages
Regulator, licence numbers, deposit protection, security and data handling. These answer the question that decides the sale, and they are the pages AI reaches for when someone asks whether you are legitimate.
Guides and definitions
The questions buyers ask before they know what product they need. In fintech these are the queries an assistant answers instead of a results page.
Who does the work.
Ben Tabas
Zion Labs is run by Ben Tabas, who owned the organic search channel at a top 5 global crypto exchange. Every engagement is run by him, not handed down to an account manager and a junior.
Strategy, architecture, templates and briefs come from the person who built the same engine at exchange scale, across more than ten international markets, under the review path your compliance team is about to describe to us.
Pricing
Published in full, because a category that hides its prices behind a call is a category worth being different in. One fixed piece of work with a deliverable, and three retainer tiers.
One off
The Audit
$7,500once
Start here if you want to know where you stand before committing to anything.
- Your real buyer questions run through every engine
- Every wrong answer traced to the page that caused it
- A 90 day roadmap, ranked by revenue behind the question
- Three weeks, start to finish
Ongoing
Foundation
$7,500/mo
The entry point to the full engine. Search and AI answers as one program in your primary market.
- One market, 60 tracked questions, rerun quarterly
- 4 content briefs a month, written to pass review
- 8 outreach targets a month
- First 90 days committed, month to month after
Above Foundation, Compound is $15,000 a month for up to four markets with the question set rerun monthly, and Category is $30,000 a month for every market you sell in. If you already run your own search program and want only the AI answer engine half, that is $6,500 a month.
Every tier, every add on and what is never included: see the full price list →
Not sure which? Tell us the situation →
// FOUNDING CLIENTS
Three founding slots, 30% off for six months.
The trade: we publish your results as a named case study, real before and after data. You get senior work at a founding rate. We get proof, and we would particularly like it to be fintech proof.
Claim a slot →// SEE THE GAP FIRST
Know where you stand before you commit.
The Audit runs your real buyer questions through every engine and hands you a 90 day roadmap. $7,500. Three weeks.
// Fintech SEO, answered
Straight answers.
The questions we get on nearly every fintech call, including the one about whether we have done this before.
What does a fintech SEO agency do?
It gets a regulated financial product found by the people searching for it, in Google and now inside AI answers, without breaking the rules that product operates under. In practice that is five jobs: make the site readable by engines, structure it by jurisdiction and by product so the right page is served in the right market, turn buyer questions into briefs that clear compliance the first time, keep every stated rate and term current, and earn the third party coverage that makes an engine trust you. We run all five as one program rather than a menu.
How is fintech SEO different from ordinary SEO?
The techniques are standard. The constraints are not. You are regulated twice over, by the jurisdiction you sell in and by the product you sell, so a lending page, a deposit page and a payments page each answer to a different rulebook on the same domain. Claims about returns, APY, insurance and licensing carry legal weight rather than marketing weight. Compliance review sits inside the publishing path, so throughput is set by review capacity rather than by writing capacity. And your rates and terms change on a schedule, which means every page is a page that can go wrong on a known date. An agency that has not worked inside those four things will build you a plan that stalls at the first review.
Should we hire a fintech SEO specialist or a full service marketing agency?
It depends on what is actually broken. A full service agency gives you brand, demand generation, paid and account based marketing under one contract, and if you need all of those starting at once, that is the better buy. We do one channel. We take organic search, in Google and inside AI answers, and go deeper on it than a generalist has room to, which is why the regulatory work above sits in our process rather than in a caveat. The honest test: if organic is already a meaningful share of your pipeline and it is underperforming, a specialist is the right call. If you have no marketing function yet, start with the generalist and bring us in when search is worth owning properly.
Our compliance team reviews everything. Can SEO work at that pace?
Yes, if the review path is designed in rather than discovered halfway through. We agree it in the first three weeks: who reviews, what they need to see, and which claim language is already approved. Then briefs are written with the approved language in them, so the first round of review is usually the only round. The failure mode is not slow review. It is briefs written as if review did not exist, which produce a second and third round that nobody budgeted for.
Our rates and fees change every month. How do you stop pages going stale?
Two things. First, structure: numbers that change live in one source rather than being typed into forty pages, so a change is one edit rather than forty. Second, a weekly drift check that compares every published rate, fee and term against your current source of truth and flags anything that no longer matches. This matters more than it used to. An engine that read the old number repeats it long after you corrected the page, so a stale rate is not just a wrong page, it is a wrong answer in circulation.
We hold different licences in different countries. How should the site be structured?
By the entity that is actually regulated, not by language. Each market gets its own page set carrying its own operating entity, its own regulator, its own disclosures and its own rule for what may be said there, wired together with hreflang so engines serve the right one. The common failure is a single global product page translated several times, which either says something untrue in one market or is watered down until it says nothing in any of them.
Have you worked with fintech companies before?
Here is the honest version. Our founder built and ran the organic search channel at a top 5 global crypto exchange, across more than ten international markets, under jurisdiction by jurisdiction rules and a compliance review path on every page. That is adjacent to fintech and it is not the same thing. We have not run organic search for a chartered bank, a consumer lender or an insurer. What transfers is the structure: multi entity market architecture, publishing through compliance, and keeping thousands of pages of changing financial facts accurate at scale. What does not transfer is any claim to know your specific regulator better than you do. Most agencies in this category imply experience they do not have. We would rather be the one that says which half is real.
How long does fintech SEO take?
Technical fixes move within weeks. New pages take 3 to 6 months to reach the position they will hold. Authority compounds from month 6 and keeps compounding. Meaningful growth in non brand traffic typically lands between months 6 and 12. Fintech is slower than most categories on the content half, because every page passes review, and faster than most on the technical half, because these sites are usually large, heavily templated and full of fixable retrieval problems. We commit the first 90 days for that reason: the foundation has to be finished before anything built on it can rank.
How much does a fintech SEO agency cost?
Ours are published rather than held back for a call. Foundation is $7,500 a month and runs search and AI answers as one program in your primary market. Compound is $15,000 for up to four markets read monthly. Category is $30,000 for every market you sell in. The AI answer engine half on its own is $6,500. The one time Audit is $7,500 and takes three weeks. Retainers in this category generally run from about $3,000 a month at the low end to $30,000 and above at enterprise scope, and anything materially cheaper is usually one junior spread across several accounts.
Can you get us ranking for a term like "best business bank account"?
Eventually, and it is the wrong thing to buy first. Head terms in fintech are held by comparison sites and publishers with a decade of authority and an affiliate model built for exactly that page, and they convert worse than the long tail underneath them. The queries that print applications look like "business account for a limited company with no monthly fee" and "[you] vs [incumbent] transfer fees". Win a few thousand of those and the head term stops being out of reach.
Do you write the content?
No, and we say so before you ask. We deliver strategy, architecture, templates and detailed briefs with the approved claim language already in them. Your team or your writers execute them. In a regulated business that keeps voice and compliance review inside the company where they legally belong, and it keeps us on the part that needs a specialist.
Does AI search actually matter for a fintech product?
It matters more here than in most categories, because the questions your buyers ask are the questions assistants answer best: is this regulated, is my money protected, what does it cost, how does it compare. Those get answered without a click. The exposure is that the engine assembles that answer out of pages it can reach, which include comparison sites and old versions of your own. Our own study of 45 crypto and fintech brands found that technical readiness alone does not raise how often engines cite your site. Third party presence is what predicts whether you appear in the answer at all.
Build the search engine your compliance team can live with
Tell us your products, your licensed markets and your review path. We will scope the full stack and show you exactly what a retainer buys before you sign.
Get the Audit →