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Fintech · Completed
Digital Ballot Committee
Members join digitally, match by contribution level, and follow a recorded payout sequence with no repeat winner in a cycle.
- Duration
- 2–3 month build
- Team
- Project Lead (Me) + Mobile, Backend & QA Teams
Overview
Overview
In much of the world, people save through a "committee" — a rotating circle where everyone pays in a set amount each month and, in turn, one member takes the whole pot.
For generations it has run on pure trust: paper records, personal reputations, and one organizer holding everyone’s cash. A fintech startup wanted to bring it online — and make it safe even for people who have never met.
I led the full build across three apps: a mobile app for iPhone and Android, a web dashboard for the operators, and the engine behind them.
Members join with only a phone number, set what they can afford each month, and get matched with savers at the same amount in a few swipes, until a full circle forms on its own.
Every point of human failure got engineered out. The draw that once depended on one person’s honesty is now rule-bound and genuinely random — never the same winner twice.
The cash that once sat in an organizer’s hands moves straight to the winner’s in-app wallet. And the trust that held it all together now lives on the record: every contribution and payout, logged and visible.
Confidentiality note: Client and company names have been changed or omitted for confidentiality. The work, my role, and project scope are real.
Impact
Impact
100%
Digital money flow
JazzCash contributions in, ballot payouts to wallets out — no organizer holding cash
0
Passwords to remember
Phone number plus a one-time code signs savers in — nothing to forget or reset
1
Codebase, both platforms
iOS and Android ship together from a single React Native codebase
0
Repeat winners
The payout ballot is random but rule-bound — a past winner can never be drawn again
Approach
Challenges & Solutions
Trust in informal savings
Savings circles traditionally run on personal trust, paper records, and one organizer holding everyone’s cash — digitizing meant earning that trust with transparency.
Passwordless onboarding
Phone-number sign-up with OTP on every login — no passwords at all, keeping entry friction near zero for a mass-market audience.
Fair, rule-bound payouts
Monthly winner selection had to stay genuinely random while enforcing hard rules — a member who has received the pool can never be picked again.
Swipe-to-match pools
Preference-based matching surfaces savers at the same monthly amount; members swipe right or left, and a pool forms automatically once enough matches are made.
Matching strangers safely
Members needed savings partners committed to the same monthly amount — without knowing each other beforehand.
Rule-driven payout engine
The NestJS backend randomly selects each round’s recipient under the no-repeat rule and disburses to in-app wallets, with JazzCash integrated for pay-ins and payouts.
Three apps, one team
Mobile app, admin dashboard, and backend had to ship together, staying consistent across iOS, Android, and web.
Full-visibility admin
A Next.js dashboard records every user, match, action, and transaction for review, with built-in reporting — plus in-app group chat and DMs, in Urdu and English.
Stack
Built With
- TypeScript
- React Native
- Next.js
- NestJS
- Redux Toolkit
- MySQL
- REST APIs
Client Feedback Summary
Client Feedback
Muhammad led the build across mobile, web, and backend without dropping a thread. The matching and payout flows worked exactly as designed from the first release.
Client name withheld
Client identity is confidential. This summary reflects verbal feedback shared with Muhammad and the project team.
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