Zarpay
Cross-border UK to Pakistan money transfer with disclosed spreads and real KYC.
The problem
UK to Pakistan corridor remittances are opaque. Hidden FX spreads and unclear fees make it hard to trust the number on the screen. Existing apps like Wise and Remitly do not cover all Pakistan receive methods well. Receivers expect bank transfer, mobile wallet (Easypaisa, JazzCash, NayaPay), or cash pickup, and senders deserve to see the mid-market rate next to what they are actually paying.
Goals
- Disclosed spread and fee on every quote
- Mid-market rate visibility from Frankfurter so users can verify
- Support for bank, mobile wallet, and cash pickup receive methods
- Operator-side monitoring dashboard for AML review
- Provider-agnostic interfaces so a licensed counterparty is a swap, not a rewrite
The solution
- Live rate calculator with transparent fee disclosure and 60-minute quote lock
- Sender mobile app built with Expo React Native, Android APK available
- Operations panel with AML rules, audit log, and flagged-transfer review
- KYC document capture flow with retry handling
- Full provider interfaces for payment-in, payout, FX, and OTP vendors
- Next.js 15 monolith with route groups, server actions for mutations, RSC for reads
My role
- → Solo developer across mobile, web, and operations
- → Next.js 15 backend with Prisma schema for financial transactions
- → Alembic-style migrations with Prisma migrate
- → KYC document flow and AML rule engine
- → Expo React Native sender app with Android CI builds
UI direction
Fintech-grade form validation with disclosure-first UX. Mobile-first for senders, desktop-first for operators. Every number shown to a sender is either mid-market, disclosed spread, or disclosed fee, never a blended headline rate.
User flows
Sender flow
- 1 Sign in via OTP, pass KYC if first transfer
- 2 Enter amount, see mid-market rate and disclosed spread
- 3 Review quote with 60-minute lock
- 4 Confirm payment-in via Stripe sandbox
- 5 Track status through the transfer timeline
Operator flow
- 1 Log in to operations panel
- 2 Review monitoring dashboard
- 3 Inspect AML-flagged transfers
- 4 Approve or reject with audit log entry
Screenshots
Key learnings
- Disclosed spread UX wins trust faster than marketing copy does
- KYC document capture needs robust retry flows because users will always fumble the first photo
- AML rule engines should be data-driven, not hardcoded in application logic
- Going live behind a licensed counterparty is a provider swap, not a rewrite, if you plan the interfaces up front
Want something like Zarpay?
I'm open to senior contract work. Let's talk about what you're building.
Get in touch