MoneyWave – Secure Cross-Border Finance & Crypto Platform
A cross-border money transfer app between Africa and North America, with escrow, regional KYC and crypto.
- Industries
- Built with
- Flutter
- React
- Node.js
The project
MoneyWave is a finance app for sending and receiving money between Africa and North America, especially the United States and Canada. Users move funds through mobile wallets and bank accounts, see real-time exchange rates and get SMS notifications, after a KYC process set for each region and onboarding in several languages. An escrow system holds funds until the transfer conditions are met, and users in the US and Canada can buy BTC, USDC and USDT. An admin panel handles users, KYC approvals, escrow release, transaction tracking and reporting. We built it with Flutter, React and Node.js.
The challenge
- Sending money between Africa and North America is slow, expensive and hard to trust.
- Each region has its own KYC rules, which a single onboarding flow cannot cover.
- Users in the US and Canada had few simple, secure ways to buy cryptocurrency.
What we built
- Transfers both ways between North America and Africa through mobile wallets and bank accounts.
- Region-specific KYC with multilingual onboarding.
- An escrow system that releases funds only when conditions are met, with some steps handled manually for oversight.
- A crypto module for buying BTC, USDC and USDT in the US and Canada.
- An admin panel for user management, KYC approvals, escrow release, transaction tracking and reports.
Key features
Cross-border transfers
Send and receive money between Africa, the US and Canada.
Escrow protection
Funds are held until the transaction conditions are met.
Regional KYC
Identity checks set to the rules of each region, with multilingual onboarding.
Live exchange rates
Real-time rates and SMS notifications for every transfer.
Crypto purchases
Users in North America buy BTC, USDC and USDT in the app.
Admin and reporting
KYC approvals, escrow release, transaction tracking and detailed reports.
