Work

Production systems I’ve architected and shipped, written up as case studies: the problem, the constraints, the architecture, and the decisions that mattered. Most source is private (production fintech) — the engineering is in the write-up.

Case studies

PaymentsFintechArchitecture

Cross-Border RateEngine

Technical Lead / CTO · 2023 — Present

The core pricing layer of Hizo's neobank — a cross-border rate engine driving FX conversion, internal rate sourcing, and liquidity routing across remittance and crypto flows.

LaravelPHPPostgreSQLRedisTypeScript

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KYCSecurityArchitecture

Tiered KYC System (Prova)

Technical Lead / CTO · 2023 — Present

Hizo's provider-agnostic KYC platform — tiered identity verification (Smile ID and others) with progressive feature gating that unlocks products as users complete higher verification levels.

LaravelPHPPostgreSQLSmile IDTypeScript

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PaymentsSecurityFintech

Hizo Global Virtual Card

Technical Lead / CTO · 2023 — Present

Architected and shipped USD virtual card issuance for a pan-African neobank — schema, REST API, security, and Interlace SDK integration — live across multiple African markets on iOS and Android.

LaravelPHPPostgreSQLRedisInterlace SDK

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SecurityPaymentsMobile

End-to-End Encryption Layer

Technical Lead / CTO · 2023 — Present

A modern end-to-end encryption layer (X25519 key exchange, HKDF-SHA256, AES-256-GCM) for secure virtual-card detail reveals, with a Flutter client SDK so sensitive data is never exposed in transit or at rest on the server.

X25519AES-256-GCMHKDF-SHA256LaravelFlutter / Dart

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