Multi-Currency Digital Banking Platform
A full-feature banking platform foundation — multi-currency wallets, P2P transfers, loan origination, virtual cards, tiered KYC, and admin console — built for Nigerian fintech operators and microfinance institutions to deploy and customise.
My role: Lead architect & delivery CEO
The brief
A Nigerian fintech operator wanted a banking platform foundation — wallets, transfers, loans, KYC, virtual cards — that they could deploy and customise, without spending a year building the plumbing first.
What I led
The modular monolith architecture. Wallet, transfer, loan, card and KYC each in their own bounded contexts with clean interfaces. The card issuance layer abstracted behind an adapter so the platform isn’t locked to one provider. Every money-moving operation wrapped in a database transaction with explicit row locking. Ledger entries immutable.
Outcome
A production-ready banking foundation that has been deployed and customised for fintech clients — proving you don’t need a fifty-person engineering team to ship serious financial infrastructure.
Technology
PHP 8 · MySQL · REST API · JWT · Multi-currency · Modular monolith