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I’m building a full-stack remittance platform that lets people move money seamlessly through bank transfers and mobile wallets. At launch those two rails are non-negotiable; later on I may add cryptocurrency, so clean, modular integrations are important. Core functions have to be in place from day one: real-time transaction tracking on both the customer and admin sides, multi-currency handling with automatic FX conversion logic, and solid user authentication (email / phone / 2FA). I also need a sandbox API that mirrors production behaviour so partner banks and wallet providers can certify their flows before we flip the switch. Three distinct roles run through every screen: • Senders initiate transfers, view statuses, and manage beneficiaries • Recipients get notified, confirm details when required, and can cash out or store funds • Admins oversee KYC, set limits, and generate compliance reports Technology choices are open, but I expect contemporary best practices—REST or GraphQL endpoints, secure token management (OAuth2 / JWT), and a scalable database layer. Clean code with documentation is essential so my in-house team can extend the system later. Acceptance criteria 1. A working web dashboard plus documented API covering all flows above 2. End-to-end test scripts that pass in both sandbox and production modes 3. Deployment guide for a standard cloud environment (AWS, GCP, or Azure) If this sounds like your wheelhouse, tell me how you would architect it and what timeline you’d need for an MVP.
Project ID: 40538805
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197 freelancers are bidding on average $55 AUD/hour for this job

⭐️⭐️⭐️ Full-Stack Remittance Platform Development ⭐️⭐️⭐️ Hello, I checked the JD and you want a secure full-stack remittance platform with bank transfer and mobile wallet integrations, supporting real-time transaction tracking, multi-currency processing, authentication, sandbox APIs, and separate sender, recipient, and admin workflows. Features: * Sender dashboard * Recipient dashboard * Admin panel * Bank transfer integration * Mobile wallet integration * Real-time transaction tracking * Multi-currency support * Automatic FX conversion * Beneficiary management * Email, phone & 2FA authentication * KYC management * Compliance reporting * Transaction limits management * Sandbox API environment * REST/GraphQL APIs * OAuth2/JWT security * Scalable database architecture * API documentation * End-to-end testing * Cloud deployment guide * Modular architecture for future crypto integration Let’s chat… Thanks
$50 AUD in 40 days
9.9
9.9

Hi there, We understand you're building a comprehensive remittance platform for seamless money transfers via bank transfers and mobile wallets, with plans for potential cryptocurrency integration later on. Our team at Webbook Studio has experience with similar projects, such as developing a custom PHP solution for an online store with integrated payment systems and building a mobile app for a music voting platform using React Native and REST API. We can deliver a modular, scalable platform with real-time transaction tracking, multi-currency handling, and robust user authentication, along with a sandbox API for partner testing. Can you share more about your expected user volume and traffic to help us better plan the infrastructure and scalability of the platform? Feel free to message us to discuss the details! — Webbook Studio
$50 AUD in 40 days
9.2
9.2

Having devoted a substantial portion of my career to high-quality web and mobile app development, I recognize the crucial nature of your remittance platform project. My proficiency extends to essential aspects like real-time transaction tracking, multi-currency handling (including automatic FX conversion), secure user authentication, and API creation. Moreover, my experience publishing Android and iOS apps demonstrates my adaptability to modern practices and technology stacks you expect. I understand your need for adaptable solutions that accommodate future integrations such as cryptocurrency rails. In this regard, leveraging my experience building blockchain-based platforms and my familiarity with REST/GraphQL endpoints will significantly contribute to a smooth system-wide integration. Additionally, security is a paramount concern which I'll implement using technologies like OAuth2 or JWT for secure token management. With meticulous planning and remaindering your need for scalability in mind, I can deliver an MVP within a pragmatic timeline covering all your project requirements. As someone with excellent multi-tasking ability, I'll ensure clean code that's well-documented for easy traceability by your team.
$100 AUD in 40 days
9.4
9.4

Hi, I will develop a secure and scalable remittance e-money platform with web-based dashboards for Senders, Recipients, and Admins, supporting bank transfers and mobile wallet integrations from day one. The platform will include real-time transaction tracking, multi-currency support with automated FX conversion, beneficiary management, KYC workflows, compliance reporting, and strong authentication with email, phone verification, and 2FA. A dedicated sandbox environment will mirror production behavior, enabling partner banks and wallet providers to test and certify integrations before launch. The architecture will be built using modular APIs, secure OAuth2/JWT token management, and a cloud-ready database layer, allowing future expansion into cryptocurrency rails without major restructuring. Complete API documentation, end-to-end test coverage, and deployment guides for AWS, GCP, or Azure will be provided. Let's discuss further. Regards, SNR
$50 AUD in 40 days
9.1
9.1

With over a decade of experience in full-stack architecture and high-scale systems, I understand your goal of building a remittance E-money integration platform that enables seamless money transfers via bank transfers and mobile wallets. My background in scaling systems for over 1 million users and high-security FinTech perfectly aligns with the complexity of your project. In ensuring scalability and security for your platform, a strategic insight would be to implement secure token management using OAuth2 or JWT for user authentication. Drawing from my experience in building Telegram Mini Apps serving over 1 million users, I am well-equipped to handle the intricacies of real-time transaction tracking, multi-currency handling, and user authentication that your platform requires. I encourage you to reach out to further discuss how I can architect and develop your platform within your budget and timeline. Let's collaborate to bring your vision to life effectively and efficiently.
$50 AUD in 15 days
9.1
9.1

Hi, I can propose a solid architecture based on your requirements to ensure seamless integration of bank transfers and mobile wallets from day one. For the MVP, I suggest starting with a modular design, utilizing RESTful APIs for both the transaction tracking and user authentication. Implementing OAuth2 for secure token management will enhance security, while multi-currency handling with FX logic can be integrated using a robust database layer. I have a strong background in building scalable web applications and ensuring best practices are followed. Testing is paramount, so I’ll provide end-to-end scripts and a deployment guide for your chosen cloud environment. With over 10+ years of experience in full-stack development, I’m confident in delivering a cleanly documented solution that your in-house team can easily extend. Let me know your thoughts and next steps! Best, Priyanka
$50 AUD in 40 days
8.4
8.4

Hi, The sandbox API that mirrors production so partners can certify before go-live is the part I'd want to nail early — that alone shapes how you structure the whole integration layer. For the bank and wallet rails, I'd use a provider-abstraction pattern so adding crypto later doesn't mean rewriting existing flows. Node.js with a PostgreSQL backend handles the multi-currency ledger and FX conversion cleanly, and JWT + OAuth2 for the three-role auth is straightforward. Built a similar payments platform for a financial services client last year — happy to share the architecture doc. What's your target timeline for the MVP? That'll help me give you a realistic breakdown. Khalid
$50 AUD in 40 days
8.7
8.7

Hi, I’ve reviewed your requirements for the remittance platform and I can develop this for you. I’ve already built similar fintech/payment/remittance systems involving multi-rail transfers (bank + wallet), real-time transaction tracking, FX conversion, and admin-driven compliance workflows. My approach would be: System design: modular architecture with services for Auth (OAuth2/JWT + 2FA), Transfers, FX engine, Wallet/Bank adapters, KYC, Notifications, and Admin. Core ledger system: double-entry transaction model to ensure accuracy, auditability, and real-time balance updates. Integrations layer: clean abstraction for bank transfers and mobile wallets, designed to easily plug in crypto later. Real-time layer: WebSockets + event queue (Kafka/SQS) for live status tracking across sender/recipient/admin dashboards. Frontend: role-based dashboards for Sender, Recipient, and Admin with full transaction lifecycle visibility. Testing & deployment: sandbox mirroring production, automated end-to-end tests, Dockerized deployment on AWS/GCP with CI/CD. MVP delivery timeline: 8–10 weeks. Questions: Which countries/currencies and FX provider (if any) are you planning to start with? Do you already have a preferred KYC/AML provider, or should I recommend one based on your regions? Looking forward to building this with you. Thanks Rahul
$50 AUD in 40 days
8.6
8.6

I can show relevant work to you in the chat for reference My question: which region/regulatory scope will this remittance platform operate under initially? I can definitely help you with this project. Expertise: full-stack fintech systems, React/Node, secure APIs, OAuth2/JWT, payments, FX systems, AWS, scalable architecture.
$50 AUD in 40 days
8.1
8.1

Hi, I carefully reviewed your remittance platform requirements. This is a strong financial system that needs secure architecture, modular integrations, and scalability from day one. With 10+ years of full-stack development experience, I can build your MVP covering bank transfers, mobile wallet integrations, multi-currency handling, real-time transaction tracking, sender/recipient/admin dashboards, KYC management, and a sandbox API that mirrors production. I’d structure it using Laravel or Ruby on Rails with REST APIs, JWT/OAuth2 authentication, and MySQL/PostgreSQL for reliable transaction management. The architecture will stay modular so crypto rails can be added later without major restructuring. Real-time updates will be handled through event-driven workflows, webhooks, and queue workers for accuracy and speed. Based on your scope, I estimate the MVP can be completed within 100 hours, including testing, documentation, and cloud deployment. Do you already have your banking and wallet API providers selected? Thank you. Best regards, Sai
$50 AUD in 100 days
7.8
7.8

Hello — a modular remittance platform with bank + mobile-wallet rails, real-time transaction tracking, multi-currency FX, 2FA auth and a sandbox API is right in our wheelhouse. We build production fintech/logistics SaaS (iCargos) with multi-currency handling and payment integrations, so clean, swappable rail adapters (so crypto can drop in later without a rewrite) is exactly how I'd architect it. I'd start with the customer + admin transaction-tracking core and the FX engine, then layer the wallet/bank connectors behind a common interface. Strong on security: hashed PII, audited transfers, 2FA from day one.
$55 AUD in 30 days
8.1
8.1

Hi I can architect and build your full-stack remittance platform with bank transfer rails, mobile wallet integrations, real-time transaction tracking, multi-currency handling, and a sandbox API for partners. The main technical challenge is keeping payments, FX conversion, KYC, user roles, wallet/bank status updates, and compliance reporting synchronized while maintaining strong security and auditability. My solution would use a modular backend such as Node.js/NestJS or Python/FastAPI, PostgreSQL, REST/GraphQL APIs, OAuth2/JWT authentication, 2FA, encrypted token storage, and provider-specific integration layers. I would design separate workflows for senders, recipients, and admins, including beneficiaries, transfer initiation, live status tracking, cash-out logic, limits, KYC review, and compliance exports. For the sandbox environment, I would mirror production API behavior with test credentials, simulated provider callbacks, transaction states, and end-to-end test scripts. The architecture would keep bank, mobile wallet, FX, and future crypto integrations isolated so new rails can be added without rebuilding the core system. I can also provide clean documentation, deployment guidance, and maintainable source code so your in-house team can extend the platform confidently. Thanks, Hercules
$80 AUD in 40 days
7.6
7.6

Hi, We would like to grab this opportunity and will work till you get 100% satisfied with our work. We are an expert team which have many years of experience on PHP, Mobile App Development, Ruby on Rails, Cloud Computing, MySQL, Full Stack Development, Documentation, Database Management, API Development, REST API Please come over chat and discuss your requirement in a detailed way. Regards
$65 AUD in 40 days
7.2
7.2

Hello, Your Remittance E-Money Integration Platform project aligns strongly with the expertise of Doomshell Software Pvt. Ltd. We specialize in full-stack application development, API integrations, cloud solutions, and secure financial platforms built for scalability and compliance. We can help you with: ✔ Developing a secure remittance platform supporting bank transfers and mobile wallet integrations ✔ Building sender, recipient, and admin portals with role-based access and workflows ✔ Implementing multi-currency support, FX conversion logic, and real-time transaction tracking ✔ Developing REST/GraphQL APIs along with a sandbox environment for partner testing ✔ Integrating secure authentication, OAuth2/JWT, 2FA, and KYC management workflows ✔ Delivering cloud-ready deployment, documentation, and end-to-end testing Our approach: ✔ Design a scalable architecture focused on security, performance, and future extensibility ✔ Develop and validate all transaction, compliance, and reporting workflows ✔ Provide clean, documented code and deployment guides for seamless handover Doomshell Software Pvt. Ltd. is committed to delivering robust fintech solutions that enable secure, reliable, and scalable digital money transfer operations. Regards.
$50 AUD in 40 days
7.5
7.5

Hello, We are a full-stack development team with experience building fintech, payment, and transaction-processing platforms. For your remittance MVP, we would architect the solution using a microservice-based backend (FastAPI/Node.js), PostgreSQL, Redis, and event-driven messaging for real-time transaction tracking. Bank transfer and mobile wallet integrations would be implemented as independent connector modules, allowing future cryptocurrency rails to be added without impacting existing services. Key components: • Multi-currency ledger with automated FX conversion engine • OAuth2/JWT authentication with optional SMS/Email 2FA • Role-based portals for Senders, Recipients, and Admins • KYC, limits management, compliance reporting, and audit trails • Sandbox environment that mirrors production APIs for partner certification • REST APIs (GraphQL optional) with full OpenAPI documentation • Real-time status updates via WebSockets/Event Streams Deliverables: ✓ Web dashboard + documented APIs ✓ Automated end-to-end test suite for sandbox and production ✓ AWS/Azure/GCP deployment guides with CI/CD pipelines Estimated MVP timeline: 08–10 weeks, depending on KYC provider, banking APIs, and mobile wallet integrations. We would be happy to discuss regulatory requirements, target corridors, and integration partners to provide a detailed technical roadmap. Best regards,
$50 AUD in 40 days
7.3
7.3

Hi, I’m excited about building your remittance platform focused on real-time transaction tracking and multi-currency handling. I recommend a microservices architecture with separate modules for user management, transaction processing, and FX conversion, all connected via a GraphQL API for flexible data querying. Using AWS as the cloud provider, I’d set up scalable services with secure OAuth2/JWT authentication and real-time event handling through WebSockets or AWS AppSync. The database layer would utilize a managed service like Aurora or Cloud SQL, ensuring high availability. To support the sandbox environment, I’d create mirrored APIs with feature toggles for testing. The dashboard would be built with React or Vue, integrated with the API, and include role-based views for senders, recipients, and admins. End-to-end testing would cover sandbox and production modes using Cypress or Selenium, with deployment scripts using Terraform or CloudFormation. An MVP could be delivered in 8 to 10 weeks, depending on the scope of integrations and testing requirements. Best, Justin
$50 AUD in 40 days
6.5
6.5

Hi! My name is Marjan and I'm here to offer you my services as a skilled applicant with over a decade of experience working on Freelancer.com. l believe I am the best fit candidate for this project due to my extensive experience; I would like to have a discussion to get to know that we both are on the same page. Once the scope will be locked, I will start working on it right away.
$50 AUD in 40 days
6.6
6.6

Hi, We went through your project description and it seems like our team is a great fit for this job. We are an expert team which have many years of experience on PHP, Mobile App Development, Ruby on Rails, Cloud Computing, MySQL, Full Stack Development, Documentation, Database Management, API Development, REST API Lets connect in chat so that We discuss further. Thank You
$50 AUD in 40 days
6.3
6.3

Hello! We can build your remittance platform with the required integrations and core flows. 1. Do you already have specific bank and mobile wallet providers for the MVP? 2. Which flow should be prioritized first for the initial release? — About us We are dZENcode – a full-cycle IT company for digital product development: from design and programming to integrations and post-release support. We build projects from scratch and also work on existing solutions that need further development, improvements, or technical support. You can find detailed information about our services and rates on our official website: https://dzencode.com. Please review it – after that, we can discuss the details and agree on the next step. ⚠️ After clarifying all details, we will define the scope, the suitable cooperation format – task-based, outsourcing, or outstaffing – and the final cost. Projects are guaranteed to reach release with us: • 10+ years providing IT services; • 90+ in-house specialists; • 250+ public reviews since 2015; • We support products under SLA after launch; • We work under NDA and a company contract!
$50 AUD in 40 days
6.7
6.7

Hello I will be able to help you. Please message me so that we will have detail technical discussion. I have 9+ years of combined experience in Mobile Application development, Website development, Desktop application development, 3rd party Artificial Intelligence api, AR/ VR, Chatbot, Blockchain- Cryptocurrency, CRM & ERP, Game Development and any other Software development. I am having expertise in Native on Android Java, kotlin and IOS Swift, and For Hybrid Cross platform on Flutter Dart & React- Native and for web and backend on react js and node js, Python Django and php CodeIgniter mvc and Laravel. Please consider me and initiate a chat for further detailed discussion. Regards, Anju
$50 AUD in 40 days
6.6
6.6

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