FinTech App: Salary-Linked Spend & Pay Later

FinTech App Developer Needed — Salary-Linked Spend & Pay Later System

We are building a Salary-Linked Spend & Pay Later (BNPL) system that allows employees to access part of their salary before payday. The platform will connect employees, employers, and vendors, with repayments deducted automatically from salaries via payroll.

Key Components
• Employee Mobile App (iOS, Android, Web): registration, dashboard, salary advance, vendor marketplace, repayment tracker.
• Employer Portal (Web): employee management, payroll deduction integration, repayment remittance.
• Vendor Portal (Web): vendor onboarding, order dashboard, settlements, QR/API integration.
• Admin Dashboard: user management, fraud monitoring, revenue reports.

Tech Stack (Preferred)
• Frontend: Flutter / React Native (mobile), React.js / Angular (web)
• Backend: Node.js (Express) or Django / FastAPI
• Database: PostgreSQL / MySQL
• Payments: Paystack, Flutterwave, Remita
• Hosting: AWS / GCP / Azure

Security & Compliance
• Encrypted payroll/salary data
• JWT authentication + MFA
• NDPR/GDPR compliance
• Fraud/risk monitoring

Revenue Model
• Transaction fees (₦200–₦500 per employee)
• Vendor commissions (2–5%)
• Optional salary advance fees
• Employer subscription for analytics

Project Phases
1. MVP (3 months) – Core features: employee app, vendor integration, payroll API
2. Beta (3–6 months) – Credit scoring, risk management, reporting dashboards
3. Full Launch (6–12 months) – Advanced integrations, analytics, scaling

What We Expect from Developers
• Proven FinTech/payments app experience
• Strong mobile + web development skills
• Experience with secure APIs & payroll integration
• Ability to deliver MVP within 3 months
• Ongoing support & maintenance

Interested? Send your proposal with timeline, cost breakdown, technical approach, and past work samples.