Fintech / Embedded Finance
CNDA PAY
Embedded Banking: UK Accounts and Full Banking from a Single App
5 months
Full project
UK + multi-currency
Accounts and cards
The challenge at CNDA PAY
- Offering banking services to individuals, UK-focused, from scratch
- The need for an app to open an account, transact, and use cards within a short timeframe
- Bank-grade security, KYC, and user management requirements
- Integrating multiple components (accounts, transfers, cards, currencies)
- Deployment to iOS and Android, with support through the testing phase
The solution
Flutter Mobile App and End-to-End Embedded Finance
Account and Banking Operations
- Open a UK bank account from the app
- Domestic and international transfers
- Accounts in multiple currencies (multi-currency)
- Physical and virtual credit cards
- Real-time transaction and activity history
Security, KYC, and User Experience
- Integrated KYC (Know Your Customer) for verification and security
- User management, secure authentication, and access control
- Push notifications for transactions and alerts
- Card management (activate, block, set limits)
- Biometric login and enhanced security options (2FA)
Process and Delivery
- Requirements definition, feature design, and large-scale architecture
- Implementation and integration of components and the Flutter app
- Support through testing and deployment to the App Store and Google Play
- Architecture ready to scale from day one of delivery
Results
Full Project in 5 Months
- Flutter mobile app from scratch, live on iOS and Android
- UK accounts, transfers, multi-currency, and physical and virtual cards all operational
- KYC, security, and user management implemented
- Deployed to both app stores and delivered ready to scale
Embedded Finance Ready to Grow
- A complete banking product in the hands of the end user
- Architecture designed to grow with demand
- A solid foundation of security and compliance
- A smooth user experience in a single app
Use cases
01
Opening an Account and Banking in the UK
The user opens a UK bank account from the app, receives a real account, and can make transfers, hold balances in multiple currencies, and bank as usual right from their phone.
02
Physical and Virtual Cards
Issue and manage physical and virtual credit cards from the app: activation, blocking, transaction history, and real-time notifications for greater control and security.
03
KYC and Security
Integrated identity verification (KYC), secure user management, and enhanced authentication options to meet industry standards and protect the customer.
Technical detail
Flutter mobile app (iOS and Android) from scratch
Bank-grade KYC, user management, and security
Integration with account, transfer, and card providers
Deployment to the App Store and Google Play; scalable architecture
Key benefits
UK accounts and full banking in a single app
Transfers, multi-currency, and physical and virtual cards
Bank-grade KYC, security, and user management
Project delivered in 5 months, ready to scale
Flutter app on iOS and Android with a polished user experience
"We needed to bring UK banking to any individual in an app: accounts, transfers, multi-currency, and cards. Koalvia defined the features with us, designed the architecture, and built the app in Flutter from scratch. In 5 months we had the product in the stores, with KYC, security, and everything ready to scale. Pure embedded finance."
CNDA PAY Team
CNDA PAY
