Mobi-Kumbu is a mobile money and financial services platform built for markets where a bank account isn't a given — serving Angola, South Africa, Mozambique, Brazil, and Papua New Guinea. Users send money, pay bills, and cash out through authorized agents, all from a basic phone or a smartphone. This was a full end-to-end build: the customer mobile app, the USSD channel for feature-phone access, a web-based backend management system, and the AWS infrastructure running all of it — one of the largest projects of the year.
Mobile money only works if it works for everyone — including users without smartphones or reliable data. That meant building two parallel access paths, USSD and a full mobile app, both reading and writing against the same wallet state without conflicts. On top of that, the backend had to give administrators real operational control: balances, agent cash-out approvals, transaction monitoring, and account management, all in real time, across multiple countries and currencies.
Architected the full stack around a shared wallet backend: the USSD gateway and the mobile app both talk to the same transaction and balance system, so a top-up or transfer is instantly consistent no matter which channel a user came from. Built the admin-facing web application for the operations side — agent management, transaction oversight, and account administration — and deployed the entire system on AWS for reliability at scale across five countries. The customer mobile app is live on Google Play, handling balance checks, transfers, agent cash-out, and full transaction history.