Universe Money Transfer
A published cross-border money-transfer app for iOS and Android that I helped build, from the Flutter app to identity checks, payments, and back-office tools.
Universe Money Transfer is a cross-border remittance app: people in Canada use it to send money abroad. It is published on Google Play and the App Store. I was one of the developers who built it, and I worked across the mobile app and several of the services behind it.
The problem
Money transfer is a regulated business, not just an app. To ship a real one you need a mobile front end people trust, identity checks that satisfy compliance, a reliable way to take payment, and back-office tools so staff and payout agents can confirm what actually happened. Each of those is its own system, and they all have to agree with each other.
What I worked on
- The mobile app. A Flutter app (built in FlutterFlow) for iOS and Android: sign-up, sending flow, and account management.
- Identity onboarding. Integrated third-party KYC and AML identity verification into the sign-up flow so new users are checked before they can send.
- Payment reconciliation. A service that matches incoming Interac e-transfers to the right order automatically, so payments are not reconciled by hand.
- Back office. Worked alongside the Firebase Functions backend, an orders server, an admin dashboard, and a QR-based tool that lets payout dealers verify a recipient’s order.
The outcome
A live, published app handling real transfers, with compliance and reconciliation built in rather than bolted on. The hard part was never one screen. It was keeping the app, the compliance checks, the payments, and the agent network in sync, and keeping it that way as the product grew.