Service
Digital Wallet & Fintech App Development
Most of my work is money apps. I have built digital wallets with separate customer, agent and merchant apps, cross-border and multi-currency payments, mobile money for emerging markets, and scan-to-pay checkout. A wallet is a mobile app with a compliance problem attached, so the build has to account for both from day one.
What you get
- ✓ Customer, agent & merchant apps
- ✓ Top-ups, transfers & bill payments
- ✓ Payment gateway & card integration
- ✓ KYC and document verification flows
- ✓ Multi-currency & cross-border transfers
- ✓ QR and NFC scan-to-pay
- ✓ Transaction history, limits & fees
- ✓ Audit trails, fraud checks & monitoring
How it works
1. Let’s talk · 1–2 days
A free call or a WhatsApp chat. I ask what you’re actually trying to do, not what you think you should ask for. You get the price and plan in writing.
2. Let’s think · 1–3 weeks
What should exist first? What can wait? I make a clickable Figma version you can try before any code, and I’ll tell you if something isn’t worth building yet.
3. Let’s build · 2–12 weeks
I build it in small pieces. You get a live link from the first week, so you see real progress instead of a big reveal at the end.
4. Let’s launch · About 1 week
Testing, app store submission, going live, and making sure Google can read it.
5. Let’s grow · If you want
Fixes, new features and search work. This is the part most people stop doing once the invoice is paid.
Related work
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19GafaPay
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GaffaPay is a cutting-edge digital payment platform designed for secure, seamless, and instant transactions. Offering cross-border payments, multi-currency wallets, and merchant solutions , it empowers businesses and individuals with AI-driven financial services.
Need help with fintech & digital wallet apps?
Share a few lines about your project. I reply with next steps, a timeline and a fixed quote.
FAQ
Do I need a licence before launching a wallet?+
Usually yes, and it depends on the country and on whether you hold customer funds. This is the part that delays launches, not the code: one wallet I worked on is still on hold waiting for licensing in Dubai while the app itself is finished. Start the regulatory conversation in parallel with design, not after the build.
How long does a wallet take to build?+
A single-app wallet with top-ups, transfers and a payment gateway is usually three to five months. The customer, agent and merchant model is closer to six to nine, because it is effectively three products sharing one backend. The [estimator](/estimate) gives you a range in a minute.
Can you work with our existing payment provider?+
Yes. I have integrated gateways, card rails, UPI and wallet-to-wallet transfers, and I would rather fit your provider than sell you a migration you do not need.