Multi-Platform Platform (Fintech)#
Spring Boot · React · Android · FastAPI (AI KYC) · ONNX/OCR
TL;DR — Designed and implemented a modular platform across backend, web, mobile, and an AI KYC microservice. Reduced KYC false-rejects and stabilized flows under real-world constraints.
Context & Role#
Solo/lead developer across multiple layers. Objectives: secure account flows, robust KYC, and a wallet experience that can operate independently of heavier banking flows.
Problem#
- Fragmented onboarding with brittle KYC caused drop-offs and manual reviews
- Inconsistent data boundaries across services and clients slowed iteration
- Accuracy/latency trade-offs in OCR, face match, and liveness checks
Architecture & Approach#
- Domain-oriented Spring Boot modules: auth, accounts, analytics, kyc, wallet
- AI KYC microservice (FastAPI): pluggable providers; threshold tuning + retries
- Android Wallet: card reload, QR pay, bill-pay; Retrofit interfaces & DTOs
- React Web dashboard with a11y-first forms/tables
- Observability & CI: safe defaults, lint/type checks, reproducible envs
Tech Stack#
Spring Boot · Hibernate · MySQL
TypeScript · React
Kotlin · Android · Retrofit/OkHttp
FastAPI · ONNX (ArcFace, SCRFD, liveness) · OCR
Challenges & Trade-offs#
- Face-match sensitivity vs UX → tuned thresholds; re-tryable capture & guidance
- OCR noise → preprocessing + field-level confidence gating
- Network reliability → graceful fallbacks & cached responses on mobile
Results#
- Fewer KYC false-rejects after threshold tuning and OCR cleanup
- Reduced manual reviews; faster re-submission loops
- Standalone wallet flows widened the onboarding funnel
Links#
What’s next#
- Deeper analytics for KYC decision explainability
- Payment gateway webhooks with idempotency + retries