FinTech Mobile Wallet App
Digital Banking Startup
A digital banking startup needed a consumer wallet with transfers, bill payments, and simple investing — built to financial-grade security standards. Bricksense designed and built the app and its backend.
The Challenge
The product had to be effortless for consumers and rigorous underneath: strong customer authentication, encryption, fraud controls, KYC/AML onboarding, and sub-second transaction processing at scale.
It needed to integrate multiple payment rails and a market-data and brokerage provider, and launch on iOS and Android together.
Our Approach
Secure architecture
Device binding, biometric auth, hardware-backed key storage, tokenised card data, and end-to-end encryption.
Onboarding
In-app identity verification and sanctions screening with a risk-based review queue, designed to pass in minutes for most users.
Payments core
A ledger-first transaction service integrating P2P transfers, bill payment aggregators, and card issuing, tuned for sub-second confirmation.
Investing module
Fractional investing through a regulated brokerage partner, with clear disclosures and portfolio views.
The Solution
Users open an account, verify identity, and start sending money, paying bills, and investing within one session. Every transaction confirms in under a second and every action is authenticated.
The ledger-first core keeps balances correct under load and gives compliance a complete, auditable record.
What We Delivered
- iOS and Android wallet apps
- Ledger-first transaction backend with P2P, bill pay, and card issuing
- In-app KYC/AML onboarding and screening
- Fractional investing integration with a regulated broker
- Security and fraud-monitoring infrastructure
The Results
The app reached 200,000+ users within six months of launch, processing 50,000+ transactions a day at sub-second confirmation and a 4.9-star rating.
The compliance-first onboarding cleared the majority of users automatically while keeping fraud losses negligible through the growth period.
It feels effortless to our users and holds up to bank-grade scrutiny underneath. 200,000 users in six months and not one security incident.