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VeonPay
Digital banking application and reward platform
2024
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Client
VeonPay Industry
Digital Banking & Financial Service
Headquarters
Global / Web3 project
Services
Design & Development
About Project
UI/UX DesignFrontend DevelopmentBackend DevelopmentQuality Assurance (QA)Testing & DebuggingDeployment
6 monthsTime Frame
VeonPay is a next-generation digital banking and payments platform designed to deliver full financial services — bank accounts, digital/physical cards, merchant services, rewards programmes and credit products — all via a unified ecosystem. The aim: to provide users with a secure, seamless, omni-channel experience for everyday banking, payments and business operations. (Source: VeonPay site)
KEY TAKEAWAYS
Challenges We Faced
In bringing VeonPay’s vision to life, we confronted a number of complex challenges.
Unified Platform Architecture
Designing a system that supports both consumer banking (accounts, cards, credit) and merchant/brand services (business portals, rewards, partnerships).
Security & Compliance
Ensuring strong authentication (face/fingerprint codes), card management (virtual + physical), zero-fraud liability, and meeting regulatory requirements.
Scalable Ecosystem
Allowing for rapid onboarding of users, cards, merchants, brand partners, and rewards programmes without degrading performance or user experience.
Complex Integration
Integrating multi-currency transfers, IBAN account management, merchant dashboards, analytics, brand advertising modules and loyalty systems across mobile and web
Unified Platform Architecture
Designing a system that supports both consumer banking (accounts, cards, credit) and merchant/brand services (business portals, rewards, partnerships).
Security & Compliance
Ensuring strong authentication (face/fingerprint codes), card management (virtual + physical), zero-fraud liability, and meeting regulatory requirements.
Scalable Ecosystem
Allowing for rapid onboarding of users, cards, merchants, brand partners, and rewards programmes without degrading performance or user experience.
Complex Integration
Integrating multi-currency transfers, IBAN account management, merchant dashboards, analytics, brand advertising modules and loyalty systems across mobile and web
Solutions
Our team designed and implemented a full-stack solution that addressed these challenges head-on
Modular Microservices Architecture
Built backend services in Node.js/Express, containerised for scalability, enabling independent deployment of card services, merchant services, rewards engine, analytics and user account modules.
Unified Dashboard & Mobile App
Delivered responsive web dashboards plus mobile-first UX for iOS and Android, covering user accounts, multiple IBANs, card issuance, transaction history, and merchant/brand portals.
Virtual & Physical Card Issuance Workflow
Developed card provisioning, freezing/unfreezing, customisation and usage across virtual & physical formats — enabling users to issue cards, manage budgets and track spending in-app.
Secure Authentication & Tokenisation
Implemented FaceID/ fingerprint unlocking, device binding, card tokenisation and zero-fraud liability protocols for user peace of mind
Seamless Integration
The platform integrates
Virtual & physical card issuance
Multiple IBANs/accounts
Real-time top-ups and notifications
Biometric & secure access
Our Role
Turning challenges into scalable solutions
Concept & UX Design — defined user flows for consumers, merchants and brands; created wireframes and high-fidelity prototypes.
Architecture & Backend Development — built the microservices, chosen database (e.g., MongoDB or equivalent) and structured for high concurrency and fault tolerance.
Front-end & Mobile Implementation — delivered responsive web app and native/hybrid mobile experiences.
Payment & Card Integration — connected to card networks, implemented virtual/physical card issuance, tokenisation and fraud controls.
Tech Stack
Frontend
Backend
Database
Hosting / Deployment
Styleguide
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Outcomes for Austin David
Enabled issuance of multiple IBANs and cards within minutes for users.
1
Onboarded X+ merchants (example) within first quarter (to be filled).
2
Achieved 99.99% uptime through resilient system architecture.
3
Delivered seamless rewards redemption — points converted into charity or gift-cards in <24 h.
4
Efficient, Scalable, Reliable
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