Project Overview
Client Type
Fintech Startup
Industry
Digital Payments, Mobile Money, Consumer Finance
Product Type
iOS & Android Mobile App
Product Type
as-a-Service with P2P, Utility, and Merchant Features
Executive Summary
Executive Summary
Kweli is a mobile wallet platform designed to give users seamless access to peer-to-peer payments, bill pay, merchant checkout, and cash-in/out services—all in one secure mobile interface. Kweli was built to serve a mobile-first population across East Africa, with a strong focus on ease of use, transaction transparency, and financial inclusion.
Developed by The Chain, Kweli is more than an app—it’s a payment infrastructure that empowers communities to send, spend, and save with confidence.
The Challenge
In emerging markets, digital payment adoption is growing—but users still face:
- Fragmented services (different apps for sending, paying, and topping up)
- Confusing interfaces and unverified merchants
- Inconsistent transaction history or failed sends
- Poor security and fraud prevention features
- Little control or insight into spending behavior
Kweli approached The Chain to build a unified wallet experience with a clean UI, bulletproof security, and full payment lifecycle
Our Solution
Core Capabilities
We delivered Kweli as a modular wallet system, built for scale, compliance, and end-user trust.
Wallet & Balance Management
- Multi-currency wallet (KES, USD, SOS)
- PIN-protected & biometric access
- Instant top-up, withdrawal, and internal transfers
P2P Payments & QR Codes
- Send to phone, wallet ID, or QR
- Real-time transaction confirmation + receipts
- Save favorite recipients for speed
Bill Payments & Services
- Pay utility bills, internet, and transport
- Smart payment reminders & auto-pay setup
Merchant Integration
- QR-based in-store payments
- Merchant verification badge
- Daily transaction dashboard for vendors
Spending Insights & Notifications
- Daily/weekly spend summaries
- SMS + in-app push notifications
- Tagging system (Food, Utilities, Business)
Visual Highlights (for UI/UX rendering)
- Home Screen:
- Wallet balance front & center
- “Send,” “Pay Bill,” “Scan QR” action buttons
- Transaction feed with status indicators
- Send Money Flow:
- Step 1: Select Contact or Enter Number
- Step 2: Enter Amount + Optional Message
- Step 3: Confirm with PIN or Biometric
- QR Scan Interface:
- Camera overlay with “Verified Merchant” badge
- Auto-fill merchant name + input for amount
- Transaction History UI:
- Filter: Sent | Received | Bills | Merchants
- Export to PDF/CSV
- “Repeat Payment” shortcut
- Admin Panel (Backoffice):
- Fraud alert dashboard
- Transaction monitoring by region
- User identity and limit tier management
Technologies Used
- Frontend (Mobile): Flutter
- Backend: Node.js + PostgreSQL
- Authentication: Koonto + FaceID/Fingerprint
- Security: AES-256 encryption, real-time fraud flags, biometric access
- Integrations: Mobile Money APIs, Utility Bill APIs, SMS & Push Notification APIs
- Infrastructure: Docker + Kubernetes on Google Cloud
User Testimonials
It’s a financial tool for life.
Want to build or extend a wallet product that adapts to real users and real needs?
Let’s design it with The Chain.