Digital Wallet & Payment App

A UAE-based fintech startup approached us with an ambitious vision: build a digital wallet app that makes everyday payments faster and cheaper for consumers and small businesses across the Emirates. The app needed to support peer-to-peer transfers, bill payments, merchant QR-code payments, and integration with UAE bank accounts — all while meeting CBUAE regulatory requirements.

We designed and developed the iOS and Android app using React Native for cross-platform consistency, backed by a high-availability Node.js microservices architecture on AWS. Security was built in at every layer: biometric authentication, end-to-end encryption, tokenised card storage, and real-time fraud detection using ML models. The app processes transactions in under 2 seconds and supports instant P2P transfers between wallet users.

For merchants, we developed a companion app that turns any smartphone into a POS terminal via QR code payments, with settlement to their bank account within 24 hours. A comprehensive admin dashboard gives the client's operations team real-time visibility into transaction volumes, user growth, KYC status, and compliance metrics. The app launched with CBUAE approval and onboarded 50,000 users in its first 4 months.