Payments backend
Cudify
A multi-currency wallet and payments backend.
Cudify is a payments product for multiple currencies. The screenshot shows its customer-facing marketing page; my documented engineering work was building the wallet and payments backend.
Accounting consistency built into the backend
The backend uses append-only ledger records and atomic debit and credit operations to keep money movements accountable. The product screenshot illustrates the public website; my contribution was the wallet and payments backend.
My contribution
- Built wallet and payments services in Kotlin for NGN, KES, GHS, USD and EUR.
- Designed append-only ledger entries and atomic debit/credit operations to preserve accounting consistency.
- Integrated two payment providers for cross-border transfer workflows.
The problem and decisions
Money movement needs correctness before convenience. The design uses immutable ledger records and transactions so balances remain accountable even with concurrent operations or downstream integration problems.