Cross-platform digital wallet app
A React Native wallet with KYC onboarding, card management, P2P transfers and real-time notifications, backed by a secure payments API.
- Client
- Licensed e-money startup
- Industry
- Fintech
- Country
- European Union
- Team
- 8 specialists
- Duration
- 9 months
Example engagement — client details are anonymized. References available on request under NDA.
Project overview
An e-money institution needed a consumer wallet app to launch in several EU markets. FortuneArcX delivered the mobile apps, the payments API and the back-office tools within one release cycle.
About the client
A venture-backed e-money institution operating under an EU licence, targeting young professionals and freelancers.
Business challenge
The client had a licence and banking partners but no product. Investors expected a public launch within the year, and the app had to pass strict security and compliance reviews.
Technical challenges
- Strong customer authentication (PSD2 SCA) without hurting UX
- Integrating KYC, card-issuing and core ledger providers
- Real-time balance updates across devices
Solution delivered
We designed the UX, built iOS and Android apps from one React Native codebase, and implemented a Go payments API that orchestrates the KYC, card-issuing and ledger providers. Security testing and a third-party audit preceded launch.
Key features
Digital onboarding
Identity verification and account opening in minutes.
Virtual & physical cards
Instant virtual cards, freeze/unfreeze and limits.
P2P transfers
Send money to contacts by phone number or IBAN.
Spending insights
Automatic categorization and monthly summaries.
Push notifications
Real-time alerts for every transaction.
Back-office console
Support and compliance tools for the operations team.
Results and value delivered
- One codebase for iOS and Android
- KYC onboarding in minutes
- PSD2-ready payment flows
- Launched on schedule in the first markets
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matteo.costa@fortunearcx.com