Centennial, United States
Server infrastructure for FinTech in Centennial
Most FinTech outgrow their first server in one specific place — and it is rarely the one the plan name suggests. For a medium FinTech business in Centennial that is about 4 Cores, 48 GB of memory and 300 GB of storage on VDS.
- ✓ 5 infrastructure tiers
- ✓ Sized for your workload, not a plan name
- ✓ Same price in all 24 locations
Estimated from fibre distance, not measured from Centennial. Your real figure depends on your connection and route, and lands inside this range.
Choose the infrastructure for your workload
Three sizes of business, each sized from an assumed traffic figure rather than a measured one. If you know your own numbers, tell us and the estimate changes with them.
Small FinTech
1–10 people · ~5,000 visits a month
$251.50 USD USD
per month · VDS
- 2 Cores
- 24 GB RAM
- 150 GB storage
About 1.9 requests a second at peak, holding roughly 14 GB of working data.
Configure this build →Medium FinTech Most likely here
11–50 people · ~50,000 visits a month
$439.15 USD USD
per month · VDS
- 4 Cores
- 48 GB RAM
- 300 GB storage
- Managed
About 18.5 requests a second at peak, holding roughly 40 GB of working data.
Configure this build →Large FinTech
51+ people · ~500,000 visits a month
$1,735.15 USD USD
per month · Dedicated Server
- 16 Cores
- 196 GB RAM
- 1000 GB storage
- Managed
About 185.2 requests a second at peak, holding roughly 160 GB of working data.
Configure this build →These figures are assumptions stated out loud, not predictions about your business. Memory, cores and disk can all be raised on the same server later, usually within the hour, with no rebuild and no new IP address — so starting one size below the estimate is normally the cheaper mistake.
Why FinTech size up this way
Working from about 50,000 visits a month and roughly 400,000 requests a day, about 40 GB of data needs to stay in memory to keep queries fast.
- 18.5 req/sec at peak
- 40 GB working set
- 10 GB/month growth
- Linux
Which tiers suit FinTech
Including the ones that do not, and why — that is usually the more useful half.
| Infrastructure | Verdict | Why |
|---|---|---|
| Shared Hosting Managed space on a shared server | Not this one | Shared hosting cannot run background workers, queues or long-lived processes, which a SaaS application depends on. |
| VPS Flexible virtual infrastructure with full root access | Recommended | The natural home for an early-stage product: root access, your own runtime, and the ability to resize as you grow. |
| VDS Virtual server with resources pinned to you alone | Recommended | Pinned resources give you the predictable latency your customers will hold you to in an SLA. |
| Dedicated Server An entire physical server, configured to your specification | Recommended | Right once the database and the application tier are competing for the same memory on a single virtual instance. |
| Bare Metal Physical compute for sustained, demanding workloads | Workable | For platforms running their own virtualization, or holding a large working set entirely in memory. |
FinTech workloads you can host
The API is the product, so uptime is contractual and every failed webhook is somebody's missing money.
- Payments API
- KYC/AML onboarding
- Ledger service
- Webhook delivery
- Reconciliation jobs
Where your server runs
All 24 locations cost the same, so pick whichever sits closest to the people who will actually use the server.
Centennial is closest to Dallas. Every marker costs the same per month.
Show all 24 locations and distances from Centennial ▾
| Location | Distance | Est. round trip |
|---|---|---|
| Americas · 9 locations | ||
| Dallas, United States | 651 miles | 16–31 ms |
| Los Angeles, United States | 831 miles | 20–40 ms |
| Chicago, United States | 915 miles | 22–44 ms |
| Santa Clara, United States | 935 miles | 23–45 ms |
| Seattle, United States | 1,031 miles | 25–50 ms |
| Atlanta, United States | 1,202 miles | 29–58 ms |
| Toronto, Canada | 1,341 miles | 32–65 ms |
| New York, United States | 1,624 miles | 39–78 ms |
| Miami, United States | 1,715 miles | 41–83 ms |
| Europe, Middle East & Africa · 8 locations | ||
| London, United Kingdom | 4,690 miles | 113–226 ms |
| Amsterdam, The Netherlands | 4,823 miles | 116–233 ms |
| Stockholm, Sweden | 4,869 miles | 118–235 ms |
| Madrid, Spain | 5,015 miles | 121–242 ms |
| Frankfurt, Germany | 5,048 miles | 122–244 ms |
| Milan, Italy | 5,285 miles | 128–255 ms |
| Bucharest, Romania | 5,881 miles | 142–284 ms |
| Tel Aviv, Israel | 6,852 miles | 165–331 ms |
| Asia-Pacific · 7 locations | ||
| Tokyo, Japan | 5,813 miles | 140–281 ms |
| Hong Kong, China | 7,474 miles | 180–361 ms |
| Delhi NCR, India | 7,728 miles | 187–373 ms |
| Kolkata, India | 8,058 miles | 195–389 ms |
| Sydney, Australia | 8,332 miles | 201–402 ms |
| Mumbai, India | 8,382 miles | 202–405 ms |
| Singapore | 9,076 miles | 219–438 ms |
Distances are from Centennial. Round trips are estimated from fibre distance, not measured — the figure your users see depends on where they are.
FinTech in Centennial
Finance & Insurance is one of the sectors Centennial is known for, so this is a workload we are asked about here more than most.
The closest of our 24 data centres to Centennial is Dallas, about 651 miles away. Choosing the closest data centre is the cheapest performance improvement available, and it costs nothing extra.
Centennial has a population of about 109,741, which is why the medium build above is the one most likely to fit a FinTech business here — though the other two are a click away if it does not. Local time is America/Denver, so routine maintenance and backups are scheduled against your overnight rather than ours.
Data stays in the jurisdiction you choose, which matters if you are working to state privacy laws such as the CCPA. Pricing is quoted in USD, and the figure is the same wherever the machine physically sits.
Network reach from Centennial
Estimated from fibre distance rather than measured, and stated as a range. Your own access network decides the rest.
| Data centre | Distance from Centennial | Estimated round trip |
|---|---|---|
| Dallasamericas | 651 miles | 16–31 ms |
| Los Angelesamericas | 831 miles | 20–40 ms |
| Chicagoamericas | 915 miles | 22–44 ms |
Centennial sits in Colorado, and every one of our 24 locations costs the same — so the only thing worth optimising is which of them your users are closest to. At the medium size assumed above, that is roughly 400,000 requests a day crossing that link.
FinTech hosting in Centennial — FAQs
What size server does a FinTech business in Centennial, CO need?
Where would the server for my Centennial, CO business actually run?
Is a VPS enough for FinTech, or do we need a dedicated server?
Can you host payments API for us?
Can we start smaller and grow?
Other industries in Centennial
Same city, different workload.
FinTech hosting nearby
The same workload, in the nearest cities.