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Remittance

Kavi

Payday to home in eleven seconds

Payday to home in eleven seconds
Sector
Remittance
Location
Dubai, UAE
Year
2025
Kickoff to production
17 weeks
01Overview

A remittance app built for the fifteen minutes after payday: the last transfer, already priced, two taps from done.

02The problem

Kavi's customers sent the same amount to the same person every month, and every month they filled in the same eight screens. Rates were indicative, payout partners failed quietly, and the app assumed a connection its customers did not have.

Corridor health through the payday window: median payout time, slowdowns, and traffic already moving off a weak partner
03What we built
  1. 01

    Repeat is the default

    The home screen is the previous transfer, priced and ready. The form only appears when something genuinely changed.

  2. 02

    Built for a weak signal

    Everything up to funding works offline. The request queues and confirms when the network returns, so a transfer is never lost between a basement and a lift.

  3. 03

    Corridors that fail over

    Each corridor has ranked payout partners with live health checks. A partner that slows down is drained of traffic automatically, not after the complaints arrive.

A transfer authorised in a lift with no signal, queued and confirmed the moment the network returns
A timed-out payout partner re-routed automatically, the rate held and the customer charged nothing extra
04The result

Repeat transfers now complete in seconds rather than minutes, and the operations team stopped spending its evenings re-sending failed payouts by hand.

What changed

Repeat transfer
Two taps
Before confirm
Priced
On payday evenings
Ops quiet
The receipt it produces: eleven seconds from funding to money in the recipient's account, every leg timestamped

Stack

  • React Native
  • Go
  • Postgres
  • Redis
  • Temporal

Disciplines applied

  • Financial technology
  • Automation & operations
  • Custom software development

Closing

Do you have an idea, or a problem?

Either works. In my experience the second one goes faster.

I usually reply the same day.