WeFi
AI-Powered Financial Platform
A fintech platform supporting RNPL (Receive Now Pay Later) lending across education, invoice and cheque-based products, with an end-to-end loan lifecycle and an encrypted wallet.
- Stack
- LaravelPHPPostgreSQLRedisEncryptionAWS
3 types unified
Loan products
Concurrency-safe
Transactions
Encrypted EID
Onboarding
The problem
Lending products each had their own ad-hoc flow, and money movement had to stay correct under concurrent access — the classic place where naive implementations double-spend or lose transactions.
What I built
I designed a unified loan lifecycle (application → disbursement → repayment) that all product types plug into, backed by a secure wallet system with encrypted EID-based onboarding. The transaction layer uses explicit locking and idempotency keys so concurrent operations settle reliably.
The outcome
One consistent lifecycle now serves education, invoice and cheque lending, and the wallet handles concurrent financial transactions without reconciliation drift.
Overview
WeFi is a fintech platform built around RNPL (Receive Now Pay Later) lending — supporting education loans, invoice financing and cheque-based products on one lifecycle.
What I built
- End-to-end loan lifecycle — application → approval → disbursement → repayment, modelled as an explicit state machine so no loan can skip a step.
- Secure wallet system — encrypted balances with a double-entry ledger; every movement is traceable.
- EID-based encrypted onboarding — identity verification with encryption at rest for sensitive documents.
- Concurrency-safe transactions — row-level locking plus idempotency keys, so a retried request never double-debits.
Engineering notes
Financial correctness under concurrency was the hard requirement. Every balance-affecting operation runs inside a database transaction with SELECT … FOR UPDATE on the wallet row, and API writes carry an idempotency key so client retries are safe by construction.