Strategy and Solutions

Close

Discover our digital transformation stories and the impact driving real change

Fintech Startup Builds a High-Scale Cross-Border Remittance eWallet

About the Client

The client was a fintech startup founded by former payments and compliance professionals focused on simplifying international transfers for migrant workers, freelancers, and small businesses. Their goal was to challenge traditional remittance providers that were slow, expensive, and opaque by offering a mobile-first remittance eWallet capable of near-real-time transfers with transparent pricing.

To deliver both wallet utility and cross-border settlement at scale, the startup partnered with Zymr to build a secure, compliant platform engineered for rapid user growth and corridor expansion.

Key Outcomes

100,000+ Users Onboarded in 18 Months
60% Reduction in Transfer Costs

Business Challenges

Traditional remittance flows relied on multi-hop intermediary networks that increased fees, introduced unpredictable FX margins, and stretched settlement times into days, eroding trust and limiting adoption. Operating across corridors added regulatory complexity, requiring strong KYC, AML controls, sanctions screening, threshold-based monitoring, and local reporting without compromising the user experience. Trust was a make-or-break factor: users needed clear pricing, predictable delivery times, and real-time tracking to feel confident that funds would not be delayed or lost. The platform also had to withstand rapid growth, scaling onboarding and transaction throughput during peak transfer windows while maintaining low latency and high reliability. Finally, the startup needed operational maturity to satisfy investor expectations and support a successful Series A trajectory.

Business Impacts / Key Results Achieved

Zymr helped the startup turn a remittance vision into a scalable, compliant, and trusted product that competed with legacy providers on the metrics users care about most: speed, cost, and clarity. By combining optimized routing, embedded compliance, real-time tracking, and resilient infrastructure, the platform achieved rapid adoption and demonstrated the operational maturity needed to support long-term expansion and investor confidence.

  • 100,000+ Users Onboarded in 18 Months
    Strong adoption supported by referrals and high satisfaction.
  • 60% Reduction in Transfer Costs
    Lower fees and improved FX efficiency outperformed legacy providers.
  • Average Transfer Time Reduced to 15 Minutes
    Most transfers completed within minutes rather than days.
  • Higher Retention Through Transparency and Reliability
    Users stayed because pricing and delivery were predictable and visible.fin

Corridor Expansion Without Re-Architecture
Modular services enabled faster rollout into new markets.

Strategy and Solutions

Zymr designed and implemented a cloud-native remittance eWallet that combined fast routing, embedded compliance, and transparent user experience.

  • Modular Remittance eWallet Architecture
    Built mobile wallet features alongside orchestration, FX, settlement, compliance, and monitoring services for scalable iteration.
  • Fast, Compliant Digital Onboarding
    Implemented digital ID verification, document validation, watchlist screening, and risk-tiered limits.
  • Transparent Pricing and FX Locking
    Enabled live FX sourcing, clear fee breakdowns, and locked rates per transfer before confirmation.
  • Optimized Cross-Border Routing
    Integrated with payout partners and direct rails to reduce reliance on slow correspondent banking.
  • Real-Time Transfer Tracking and Notifications
    Delivered status updates, milestone notifications, receipts, and transfer history for trust and clarity.
  • Compliance Monitoring and Reporting Controls
    Implemented transaction monitoring rules, alerts, holds, and audit logs aligned to corridor requirements.

Auto-Scaling Infrastructure for Peak Windows
Designed for high concurrency, low latency, and stability during spikes in user activity.

Show More
Request A Copy
Zymr - Case Study

Latest Case Studies

With Zymr you can