23RD Pay

Problems

Consumer fintech products must balance simple peer-to-peer transfers with regulated onboarding — security questions, document verification, and platform fees — while supporting several payment providers and giving operations a single place to configure fees, users, and compliance data. Fragmented mobile and backend stacks increase failed payments, support load, and audit risk.

Complex Payment Integrations

Supporting multiple payment providers while ensuring secure and reliable transactions created integration and management challenges.

Regulated User Onboarding

Implementing KYC verification, security questions, document validation, and compliance workflows increased onboarding complexity and operational overhead.

Fragmented System Management

Managing separate mobile, backend, and admin systems reduced efficiency and increased maintenance and support complexity.

Transaction Security Risks

Ensuring secure authentication, protected transactions, and safe handling of sensitive user data was critical for platform reliability and compliance.

Operational Management Challenges

Administrators required centralized tools to manage users, platform fees, transactions, payment configurations, and compliance data efficiently.

User Experience Consistency

Maintaining a smooth and responsive experience across transfers, payments, transaction history, and account management required an optimized frontend architecture.

Technology stack

The solution

The solution focused on building a secure and scalable fintech ecosystem with seamless money transfers, multi-gateway payment support, centralized admin management, and compliant user onboarding across mobile and backend platforms.

Mobile app

Auth (login, signup, password recovery), send/request money flows, contact and card management, searchable transaction history, portfolio and exchange rates, document upload, and settings (privacy, terms, about).

Backend API

Sanctum-protected REST endpoints for users, contacts, cards, transactions, and payment intents; public master data (countries, security questions, document types).

Admin panel

User and transaction oversight, platform fee configuration, security questions, document/identification types, logos, and notification management.

Payments & security

Multi-gateway checkout (Stripe, PayPal, Braintree, Paystack), token-based API auth, 2FA via security questions, and KYC document workflows.

Results

The final platform delivers a secure, scalable, and user-friendly fintech experience with seamless money transfers, centralized management, multi-gateway payments, and reliable compliance workflows across mobile and backend systems.

Unified Mobile Experience

One mobile surface for send, request, contacts, cards, and history with offline-aware behavior where it matters.

Centralized Admin Control

Centralized API and admin tooling for users, transactions, fees, and KYC configuration without ad-hoc database edits.

Flexible Payment Gateway

Flexible checkout across major gateways so merchants and users are not locked to a single processor.

Secure User Operations

Clear separation of public master data and Sanctum-protected user flows for safer, auditable operations.

Design