Build Next-Gen Payment Platform - 25/05/2026 11:03 EDT

I’m gearing up to launch a South African payment platform that lets anyone in the service industry get paid instantly and safely—regardless of whether they are banked, underbanked, or unbanked. To reach that goal, I need a development partner who can take the project from architecture through to public release. Scope and key requirements The initial release will focus on native iOS and Android apps backed by a robust, cloud-based infrastructure. Mobile-money rails are our first priority, yet the design must stay flexible enough to plug in bank transfers and voucher systems later. Security and compliance sit at the core of the build: every wallet interaction must be encrypted end-to-end, and the platform has to satisfy full KYC/AML obligations—real-time user identity checks, continuous transaction monitoring, and automated reporting to regulators. Core deliverables • Native iOS and Android apps with a seamless onboarding flow • Scalable backend (microservice or serverless preferred) that exposes well-documented REST/GraphQL APIs • Secure wallet architecture supporting mobile-money deposits, withdrawals, and peer-to-peer transfers • Payment-gateway integration for South African mobile-money providers (first phase) • Integrated KYC pipeline covering identity verification, transaction monitoring, and auto-generated compliance reports • Admin dashboard for support teams and compliance officers • DevOps setup (CI/CD, automated testing, infrastructure-as-code) ready for future web expansion Acceptance criteria 1. Apps pass App Store and Google Play review without compliance flags. 2. All mobile-money transactions settle reliably under 5 seconds in staging and production. 3. KYC flow verifies a new user in under 2 minutes with automated fallback handling. 4. OWASP Mobile Top 10 and PCI DSS best practices observed; external pen-test report shows no critical findings. 5. Full API documentation (OpenAPI/Swagger) delivered alongside a postman collection. Design goals: Modern, secure, inclusive design inspired by Apple Wallet’s simplicity, Chipper Cash’s accessibility, and Revolut’s sleekness. Soft gradients, clear typography, intuitive flows with minimal friction for both banked and unbanked users are essential. Simplicity and ease of use for users is another requirement. If you have proven experience shipping fintech products, integrating payment rails, and navigating KYC/AML frameworks, I’d love to review your approach and timeline.

Project ID: 40468266