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OUR PROJECT

AI-Powered Fintech.

Simplifying Wealth and Speeding Up Money Movement

At Expertinasia, we build secure, user-centric fintech applications that empower users to take control of their finances with clarity and confidence. Our work on Silverback, a modern mobile fintech platform, showcases how smart design and robust engineering can transform wealth management. With features like real-time money movement, net worth tracking, investment insights, and personalized financial goals, Silverback delivers a powerful financial toolkit right in the user’s pocket—secure, seamless, and scalable.

Silverback - AI-Driven Personal Finance with Seamless Integration

Silverback Mobile is a cutting-edge FinTech application designed to provide users with a comprehensive and intuitive platform for managing their personal finances. Built with a focus on security, real-time data, and user experience, the application offers core functionalities including secure money movement, a dynamic net worth calculator, and integrated ticket-based support management. The platform leverages robust integrations with leading financial APIs, Quiltt for data aggregation, and Netevia as its primary banking API partner, ensuring reliable and compliant financial operations. A dedicated super admin and their support team are equipped with tools to monitor the application’s health and provide timely customer assistance, making Silverback Mobile a robust and trustworthy financial companion.
AI-driven intelligence powers key features such as personalized financial goal suggestions, smart budgeting recommendations, and predictive net worth forecasting. By analyzing spending behavior and income trends, the platform provides users with actionable insights and adaptive financial plans, ensuring smarter money decisions and long-term financial wellness.

Project Info:

  • Client Location : USA
  • Category: Fintech Banking
  • Development Time: 8 Months
  • Target Users: Consumers
Tech Stack

Technologies We Use

react native React
Flutter Flutter
Fast Api Fast Api
PostgreSQL PostgreSQL
Firebase Firebase
Github

The Challenges

The development of Silverback Mobile presented significant challenges inherent to the FinTech domain, coupled with the complexities of integrating diverse technologies and ensuring a seamless user experience:

  • Security and Compliance: Handling sensitive financial data and transactions necessitated stringent security measures (encryption, authentication) and adherence to financial regulations (KYC/AML).
  • Real-time Financial Data Accuracy: Aggregating and displaying accurate, up-to-the-minute financial data from various bank accounts via Quiltt and ensuring transaction integrity through Netevia was critical.
  • Complex API Integrations: Seamlessly connecting and managing data flow between the core application, Quiltt for account aggregation, and Netevia for banking operations required meticulous API design and robust error handling.
  • Performance and Scalability: The application needed to handle high volumes of concurrent users and financial transactions without compromising speed or reliability, demanding a highly performant backend and scalable database.
  • Comprehensive Support System: Designing an efficient internal support ticket management system for the super admin and their team to effectively address user queries and app issues.

Solution

To overcome these challenges, a robust and modern technological stack was employed, coupled with best practices in FinTech development:

Fortified Security
Fortified Security and Compliance
  • Multi-factor Authentication (MFA): Implemented for all sensitive operations.
  • End-to-End Encryption: All data, both in transit and at rest, was encrypted using industry-standard protocols (TLS, AES-256).
  • Built-in KYC/AML Checks: Integrated directly into the user onboarding process via Netevia.
Real-time Data
Real-time Data and Transaction Integrity
  • Asynchronous Backend (FastAPI): Leveraging FastAPI's asynchronous capabilities for non-blocking I/O operations to efficiently handle real-time data updates and concurrent requests.
  • Optimized Database (PostgreSQL): PostgreSQL served as the primary database, ensuring ACID compliance for financial transactions and supporting complex queries for net worth calculations.
  • Webhook Subscriptions: Utilized webhooks from Quiltt and Netevia to receive immediate notifications on account changes and transaction updates, minimizing polling and ensuring data freshness.
Seamless API
Seamless API Integrations
  • Quiltt SDK/API Integration: Integrated directly for secure linking of bank accounts and aggregation of financial data (transactions, balances).
  • Netevia Banking API Integration: Developed robust modules for handling money movement (ACH, wire transfers) and other banking-related functionalities, ensuring compliance and reliability.
Integrated Support
Integrated Support Management
  • Dedicated Support Module: Built within the application for users to submit tickets directly.
  • Admin Dashboard: A separate web-based dashboard for the super admin and support team to view, manage, assign, and resolve tickets, along with monitoring application health metrics.
Silverback

Key Deliverables

Silverback Mobile Application (iOS & Android):

A fully functional mobile application enabling money movement, net worth tracking, and support ticket submission.

FastAPI Backend Services:

A suite of secure and performant RESTful APIs managing user authentication, financial data, transactions, and support operations.

PostgreSQL Database:

A robust and normalized database schema for storing all application and financial data.

Quiltt Integration Module:

For securely linking and aggregating user financial accounts.

Netevia Integration Module:

For facilitating secure and compliant money movement.

Super Admin & Support Team Dashboard:

A web-based interface for managing users, monitoring app health, and handling support tickets.

Transform Ideas into Reality Today!

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Key Feature Enhancements

Advanced Budgeting & Spending Analytics:

  • Deeper insights into spending habits, categorization rules, and personalized budgeting tools.

Financial Goal Setting:

  • Features to set, track, and manage various financial goals (e.g., savings, debt reduction, investments).

AI-Powered Financial Insights:

  • Personalized recommendations and alerts based on spending patterns and financial goals.

Credit Score Monitoring:

  • Integration with credit bureaus for real-time credit score tracking and advice.

Personalized Financial Coaching:

  • AI-driven chatbot or direct access to human financial advisors.