Back to work
Fintech · 2025

FlexPay

Phone Financing Platform

Phone financing that works where banks won't

Visit live product
Payments processed>$1M
Phones financed2K+
Default rate<5%

Mode

Project overview

No credit bureaus, no banking rails, no way to finance a phone on installments. We built the platform that makes it work anyway. Payment processing, device management, KYC, and a credit scoring system that starts from zero. Customers apply on their phone and build credit through on-time payments. Stores run everything through one dashboard.

  • Payment processing built for markets with no traditional banking
  • Credit scoring from zero — users build a score through payments and app engagement
  • Remote device locking to enforce payment terms

Discovery

·

Phase 1/4

No credit bureaus, no banking rails. There was no existing way to finance a phone in Venezuela. We mapped the regulatory landscape, evaluated payment partners (landed on ChinChin), found a KYC provider that worked for the region (DiDit), and scoped the full ecosystem: a customer app, store POS, and admin dashboard.

Deliverables

  • Market and regulatory analysis
  • Payment partner evaluation (ChinChin)
  • KYC partner evaluation (DiDit)
  • Multi-app ecosystem scope

Tech

iOS/Android App

React Native

Web App

Next.js

Backend

HonoCloudflare WorkersSupabase

Integrations

ChinChin
View more work