Fintech & Digital Wallets
Fintech & Banking Digital Payments Portfolio
Transaction-critical payment infrastructure has zero tolerance for downtime or ambiguity. This engagement covered the full breadth of a modern digital wallet’s API surface — from money movement to identity verification to the security layer underneath all of it.
The Challenge
A leading Pakistani digital wallet and financial services provider needed to support high-volume, transaction-critical payment flows — IBFT transfers, bill payments, cash deposits and merchant payments — across multiple channels, while meeting strict security and compliance requirements for KYC, session security and gateway authentication.
The Solution
Robinsfly designed and delivered a payments and onboarding API portfolio covering IBFT inquiry & transfer, P2P money transfer, bill inquiry & payment, retailer cash deposit/withdrawal, CNIC-to-CNIC transfer, and OTP/non-OTP merchant payments — alongside a full onboarding and KYC layer (account registration, biometric verification status, balance & limit inquiry, debit-party verification) and a hardened security & gateway layer using OAuth2.0, BVS/non-BVS login flows, session encryption and dedicated RSA key management.
Results
- Dozens of production payment and onboarding APIs delivered and operated at scale
- Secure, standards-based authentication (OAuth2.0) across partner and customer channels
- Retailer and subscriber onboarding flows with biometric verification support
- Hardened session security via dedicated RSA key implementation
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