Fintech · 2025
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.
- 01Payment processing built for markets with no traditional banking
- 02Credit scoring from zero: users build a score through payments and app engagement
- 03Remote device locking to enforce payment terms
Discovery
Phase 1/4No 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
- 01Market and regulatory analysis
- 02Payment partner evaluation (ChinChin)
- 03KYC partner evaluation (DiDit)
- 04Multi-app ecosystem scope
Tech
iOS/Android App
React Native
Web App
Next.js
Backend
HonoCloudflare WorkersSupabase
Integrations
ChinChin