CreditPoint — Fintech Trio (API · Mobile · Landing)

The brief

Build a regulated-feeling consumer fintech — virtual accounts, P2P transfers, KYC verification, OTP-secured authentication — and ship it as both a Flutter mobile app and a public-facing marketing site. The API had to be built once and serve everything.

What we built

• Laravel 11 API — Sanctum-secured, with virtual account creation through Flutterwave, KYC checks via Smile ID, SMS OTP via Termii, and full transaction ledgering.
• Filament admin — internal dashboard for ops, KYC review queue, transaction reconciliation, and user support.
• Flutter mobile app — native-feeling iOS and Android with biometric auth, transfer flows, transaction history, and offline-tolerant state management.
• Marketing site — high-conversion landing at creditpointapp.com.

How we built it

The API is the source of truth. Mobile and admin both consume the same OpenAPI-documented endpoints, with API-version negotiation built in so we can ship the mobile app at a different cadence than the back end.

KYC is asynchronous: a user uploads documents, we queue verification through Smile ID, push the result back to the app via FCM, and only unlock the wallet on approval. Every state transition is logged with full audit trail.

Flutterwave virtual accounts give every user a real bank account number — funded via standard NIBSS transfer, balance reflected in real time. Withdrawals are routed back through the same rails.

Outcome

A complete fintech product, end-to-end built in-house, demonstrating that a Lagos team can deliver banking-adjacent infrastructure at the same quality bar as any global wallet app — without outsourcing the hard parts.