Multi-Currency Digital Banking Platform
A full-feature banking platform with multi-currency wallets, P2P transfers, loan origination, virtual cards, and KYC workflow — built as a deployable template for Nigerian neobanks and microfinance institutions.
The brief
A Nigerian fintech operator wanted a banking platform foundation they could deploy and customise — wallets, transfers, loans, KYC, virtual cards — without spending a year building the plumbing first.
What we built
- Multi-currency wallets — NGN, USD, GBP, EUR with live FX, individual ledgers per currency.
- P2P transfers — instant intra-platform, scheduled, and bulk transfers with full audit trails.
- Loan origination — application, scoring, approval workflow, disbursement, and repayment scheduling.
- Virtual cards — issue, freeze, top-up, transaction history, with provider-agnostic adapter so the platform isn’t locked to one card issuer.
- KYC workflow — tiered verification (BVN, NIN, address, biometric), with admin review queue and rejection reasons.
- Admin panel — user management, transaction review, fraud queue, and ops dashboards.
How we built it
Architected as a modular monolith — wallet, transfer, loan, card, and KYC each live in isolated namespaces with their own service layer. Adding a new card provider or KYC vendor is one adapter file, not a rewrite.
Every money-moving operation is wrapped in a database transaction with explicit row locking; ledger entries are immutable and reconcile to wallet balances on demand. We treat finality the way banks do: no soft updates, no in-place edits.
Outcome
A production-ready banking foundation that has been deployed and customised for fintech clients in Nigeria — proving that you don’t need a fifty-person engineering team to ship serious financial infrastructure.
20 weeks
5
2024