Strategy and Solutions

Zymr developed a full-stack mobile wallet solution using React Native for the app and a Node.js + PostgreSQL backend deployed on Google Cloud. The wallet supported QR payments, bill pay, mobile top-ups, and wallet-to-wallet transfers. We implemented biometric login, OTP-based authorization, and integrated AML/KYC services. The backend featured scalable multi-tenant architecture with audit logs, transaction history, and compliance monitoring.

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Mobile Wallet Platform for a Southeast Asian Fintech Startup

About the Client

A rapidly growing fintech startup in Southeast Asia offering digital financial services to unbanked and underbanked users. The client wanted to launch a secure, user-friendly mobile wallet that supports P2P transfers, merchant payments, and prepaid utility services.

Key Outcomes

Wallet adoption reduced cash-based transactions by 55% in pilot regions.
Partnered with 200+ local merchants within 6 months post-launch.

Business Challenges

The startup lacked a robust backend to manage concurrent transactions, wallet balances, and KYC verifications. They also needed a compliant system to meet regional data residency and digital payment regulations. Scalability was a concern due to a projected 3x user base growth within the first year.

Business Impacts / Key Results Achieved

The client launched the MVP within 5 months, acquired 1 million users in the first year, and achieved 99.98% wallet uptime. KYC processing time dropped from 48 hours to under 10 minutes with automation.

Strategy and Solutions

Zymr developed a full-stack mobile wallet solution using React Native for the app and a Node.js + PostgreSQL backend deployed on Google Cloud. The wallet supported QR payments, bill pay, mobile top-ups, and wallet-to-wallet transfers. We implemented biometric login, OTP-based authorization, and integrated AML/KYC services. The backend featured scalable multi-tenant architecture with audit logs, transaction history, and compliance monitoring.

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