About
Money movement, done properly — Stripe and Paystack rails.
Full-stack fintech: payments, transfers, bills, virtual cards, and KYC.
Kind
ventureCategory
FintechStatus
ProductionSee it live
Financiar / Spendly in production.
financiar-tz8qc.ondigitalocean.app
The problem
Nigerian individuals and small businesses juggle expenses, transfers, bill payments, and cards across disconnected apps with no unified ledger. Money movement in NGN is fragile (single-processor outages) and reconciliation is error-prone, leaving users without a trustworthy, audit-ready view of their finances.
What we built
- Expense tracking and money-movement: payments, transfers, bill pay, and card management in one app.
- Double-entry ledger with currency-tagged values, idempotent operations, and an immutable event log for reconciliation.
- KYC onboarding and identity verification.
- Dual NGN payment-processor design (Paystack + Flutterwave) for failover, plus Stripe for international flows.
- Microservice architecture (ledger, accounts, payments, notifications) targeting ≥99.99% reconciliation success.
Outcome
What it delivered.
- Live at https://app.spendlymanager.com/ (per internal product index).
Stack
The stack it runs on.
- Next.js + mobile (Flutter/RN)
- NestJS microservices
- PostgreSQL (double-entry ledger)
- Redis (idempotency)
- Kafka (ledger events)
- Keycloak
- Stripe
- Paystack
- Flutterwave
- DOKS
- Terraform
- AWS Cognito + SES (per status notes)
More products
Related products.
Start a project
Tell us what you're building. We'll tell you how we'd deliver it.
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