Fintech & Digital Wallet Gateway — PayBridge

Wallet, top-ups, and merchant payouts with KYC and ledger-grade audit trails.

Client / OrganizationPayBridge Financial

Development Duration5 Months

Primary Metric99.99% Ledger Uptime

Delivery StandardEnterprise Ready

Executive Overview

A payments core built for auditability: customer wallets with tiered KYC, instant top-ups via cards and bank transfer, P2P transfers, merchant checkout with hosted payment pages, settlement and payout batches, refunds and chargeback handling, and an immutable double-entry ledger with daily reconciliation reports finance teams can trust.

Measurable Impact & Metrics

99.99% Ledger Uptime

$30M Monthly Processed

180ms Average Auth Time

Key Architectural Features

Tiered KYC onboarding & transaction limits

Wallets, P2P transfers, top-ups & auto top-up rules

Hosted checkout, merchant payouts & settlements

Refunds, chargebacks & dispute workflows

Double-entry ledger with daily reconciliation reports

Technology Stack

GoPostgreSQLNext.jsKafkaRedisKubernetes

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