SoftwarePakistan2024
Earned-wage-access mobile app and disbursement backend wage
A React Native app and ledgered backend that advance earned pay in seconds, safely.
- Client
- Abhi
- Region
- Pakistan
- Sector
- Earned-wage-access fintech
- Engagement
- 2024 · 18 weeks
- Team
- 2 mobile · 2 backend · 1 platform
- Status
- In production
The challenge
Salaried workers hit cash gaps before payday, but employer-integrated advances demand exact accrual tracking, real bank rails, and airtight ledgering — mistakes here are money. Abhi needed an app and backend that compute earned balances and disburse instantly with a correct ledger.
What we built
The full pipeline, end to end — not a blurb.
- 01Mobile
A React Native app — KYC, earned-balance view, one-tap advance, and repayment schedule.
- 02Backend
Node services with a double-entry ledger, an accrual engine, and payroll integration.
- 03Rails
Bank and payment-rail integration with idempotent disbursement and reconciliation.
- 04Operations
Kubernetes, audit logging, and fraud checks.
Results
6 s
median advance disbursement, end to end
0
ledger discrepancies across 1.2M transactions
99.97%
disbursement success on bank rails
0.11%
fraud loss rate, held under target
Live with employer partners across the workforce.
Have a constraint like Abhi’s? Bring us yours.
Next engagement
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