In fintech, one bad experience and the user is gone. That was the reality Beepex faced when they set out to build a financial app that could handle peer-to-peer transfers, utility bill payments, and automated savings, all from one place. They needed rock-solid security, zero tolerance for downtime, and a user experience clean enough that someone could send money in under 30 seconds.
The Challenge
Building a financial application is fundamentally different from building any other kind of app. Every interaction involves real money, which means every failure is personal. The technical requirements were demanding:
- End-to-end encryption for all financial data
- Biometric authentication (fingerprint and face ID) for fast, secure access
- Real-time transaction processing with zero downtime tolerance
- A peer-to-peer transfer flow that completes in seconds
- Bill payment integration with major Nigerian utility providers
- Automated savings with goal tracking and scheduled contributions
- Full transaction history with spending breakdowns
The app had to work flawlessly every single time. In fintech, trust is the product.
What We Built
Secure Authentication
Users authenticate with fingerprint or face ID. No fumbling with passwords on every login. The biometric layer gives users fast access without compromising security, and all sessions are encrypted end-to-end.
Instant Transfers
The transfer flow is deliberately simple: pick a contact, enter an amount, confirm with biometrics, done. We stripped out every unnecessary step so users can send money in seconds. All transactions process in real time with immediate confirmation.
Bill Payments
The app covers major utility providers with saved payment templates for recurring bills. Users set up a bill once, and every subsequent payment is a single tap. No re-entering account numbers, no hunting for provider details.
Smart Savings
The savings feature lets users set financial goals and automate contributions. Users choose an amount and a schedule, and the app handles the rest. Progress tracking shows exactly how close they are to each goal, turning saving from a chore into something visible and motivating.
Transaction Intelligence
Every transaction is logged with full history and spending breakdowns available in the app. Users can see where their money goes, which helps them make better financial decisions without needing a separate budgeting tool.
The Technical Stack
We built the frontend in Flutter for cross-platform deployment on iOS and Android from a single codebase. The backend runs on Node.js with payment API integrations handling the financial processing. Every data point is encrypted in transit and at rest, and the authentication layer uses industry-standard biometric protocols.
The Results
- Processing over 50,000 transactions every month and growing
- Zero security incidents since launch
- Biometric login making access fast without compromising security
- Users sending money, paying bills, and saving from one single app
- Savings feature with automated goal tracking actively used by the user base
Why It Works
The secret to Beepex's adoption is not any single feature. It is the fact that everything works, every time. Users trust the app because it has never let them down. The biometric login means they never get locked out. The transfer flow means they never wait. The savings automation means they never forget to put money aside.
When you are handling people's money, reliability is not a feature. It is the foundation everything else is built on.
If you are building a fintech product and need a team that understands the stakes, let us talk about your project.
