Kingstel Pay - Fintech Platform Delivery

Cross-border payments platform for Nigeria and Ghana, taken from idea to live product with an 8-person team I hired and led.

About the project

Kingstel Pay is a fintech platform designed to simplify cross-border transactions and everyday financial management for users in Nigeria and Ghana. It provides multi-currency wallets (NGN, GHS, and USD), enabling users to send, receive, and manage funds seamlessly across borders. The platform also supports bill payments, internal transfers, and offers a USD virtual card for secure online and international transactions. With a focus on accessibility, speed, and reliability, Kingstel Pay aims to make digital payments and currency exchange easier for individuals and businesses.

Client:

Kingstel Express

Services:

Project Management

The brief

Kingstel Express wanted a financial platform for customers in Nigeria and Ghana: multi-currency wallets, cross-border payments, bill payments and a virtual card, on web and mobile. There was an idea, but no product definition, architecture or team.

The challenge

A fintech product carries more risk than an ordinary app: money movement, currency conversion, fees, security, and an admin side the business can actually run. Each part needs the right specialist, and all of them have to fit together.

What I did

Defined the product: turned the business idea into clear requirements
Designed the architecture: Laravel backend, React web app, React Native mobile app
Contracted, hired and managed an 8-person team: product designer, three backend engineers, frontend engineer, mobile engineer, QA engineer and cybersecurity specialist
Ran delivery: sequencing, progress tracking and stakeholder updates, keeping every discipline aligned to one product
Built QA and security in from day one, not bolted on at the end
Deployed and handed over with full documentation

What the platform does

Multi-currency wallets in NGN, GHS and USD
Cross-border payments, mainly between Nigeria and Ghana
Bank transfers and West African bill payments
USD virtual card
USDT acceptance
A full admin system for running the business

Result

The platform launched and is live, with web and mobile applications, a secure backend and complete documentation.

What I learned

In fintech, most delivery risk sits between disciplines: design, backend, mobile and security. Someone has to own how the pieces fit, and bringing specialists in early is cheaper than fixing things late.