CreditPoint — Fintech Wallet (Mobile + API + Landing)
A complete fintech build — Laravel API with virtual accounts via Flutterwave, KYC via Smile ID, SMS OTP via Termii, and a Flutter mobile app with biometric authentication and offline-tolerant state. I led the architecture from day one.
My role: Lead architect & delivery CEO
The brief
Build a regulated-feeling consumer fintech — virtual accounts, P2P transfers, multi-tier KYC, OTP-secured authentication — and ship it as both a Flutter mobile app and a public-facing landing site. The API had to be built once and serve everything.
What I led
The whole architecture. The Laravel API as source of truth, the Flutter app as a thin client, Filament admin sitting beside the API. Every money-moving operation wrapped in a double-entry ledger with idempotency keys. KYC asynchronous through Smile ID with manual review queues for edge cases.
This is the project I point engineers to when they ask what a real Nigerian wallet looks like under the hood.
The outcome
Live at creditpointapp.com. Production-grade. Bank-level posture on the things that need to be — audit logs, encrypted KYC documents, signed webhooks. The work that doesn’t show up in marketing screenshots is what makes the difference here.
Technology
Laravel 11 · Flutter 3 · Filament · Sanctum · Flutterwave · Smile ID · Termii · MySQL