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Jify

An earned wage access and personal loan platform, with a Flutter employee app, seamless KYC, a web onboarding PWA, employer payroll dashboards, and a Kotlin Multiplatform SDK.

54Weeks operated
3k+Hours of work
2Engineers

The brief

Stabilize and extend an existing Flutter EWA app (initially scoped as a 3-month engagement) by removing technical debt, fixing critical navigation/KYC bugs, and delivering new features including a non-DAS PL widget, deeplink attribution, and a PWA onboarding flow — with scope expanding significantly to include a full KMP migration and multi-product employer dashboard suite.

What we built

A full-stack Earned Wage Access (EWA) and Personal Loan fintech platform consisting of:

  • a Flutter mobile app serving employees with EWA disbursement, PL widget, KYC flows (Digio, CKYC, HyperVerge selfie), gold features, deeplink attribution, and payment gateways (Razorpay, Cashfree, EaseBuzz)
  • a React PWA for web-based employee onboarding with Google SSO, dynamic API-driven forms, and consent management
  • employer-facing React dashboards for payroll management, collections/settlement, audit trail, and agency CRM
  • a Kotlin Multiplatform (KMP) migration of credit and EWA modules into a Pothos design-system-aligned SDK being absorbed into MoneyView's SimpleLoan platform; and
  • a third-party Melooha wellness app SDK integration. The project evolved from stabilization of a legacy Flutter codebase to a full platform rebuild targeting absorption into a larger NBFC partner (MoneyView).
⊛ Live in production

Production Android and iOS EWA app with full KYC, PL widget with WebView, AppsFlyer attribution, and Melooha SDK live on app stores; PWA employee onboarding deployed to Netlify in production; employer payroll and collections dashboards live; Teamlease, Swiggy, Quess, and Pharmeasy employer-specific integrations deployed; agency portal in QA/staging; KMP EWA phase 1 in active dev testing with backend.

How it was built, phase by phase.

8 workstreams across 54 weeks of operated delivery

  1. (001)STABILIZEWeek 1–6 (Nov 2024 – Dec 2024)

    Flutter App Stabilization & Technical Debt Reduction

    Systematic removal of unused assets, dependencies, widgets, routes, and fonts; WillPopScope→PopScope migration; linter fixes; CI/CD pipeline fixes; font scaling UI bugs.

    ✓ Clean, lint-compliant codebase with removed dead code; CI pipeline restored; builds reliably distributed to QA

    FlutterCodemagicSentryProofHub
  2. (002)BUILDWeek 4–54 (Nov 2024 – Nov 2025)

    EWA (Earned Wage Access) Core Flow – Flutter

    End-to-end EWA product flow including salary card, HR approval widget, permission screens, navigation guards, back-navigation hardening, KYC integration, deeplink handling.

    ✓ EWA disbursal achieved for test users; full flow from salary verification through KYC to disbursement built and QA-tested

    FlutterCodemagicSentryCleverTapMixpanelBranch.io
  3. (003)INTEGRATEWeek 6–24 (Dec 2024 – Apr 2025)

    Personal Loan (PL) Widget & WebView Integration

    Non-DAS and DAS PL widget development: borrow now button, request amount screen, repayment screen, KFS PDF preview, PL banner, view-breakup bottomsheet, PL WebView screen with permission gate.

    ✓ PL widget live in production with email verification gate; KFS PDF preview functional on both platforms

    FlutterWebViewCodemagicSentryMixpanel
  4. (004)INTEGRATEWeek 9–54 (Jan 2025 – Nov 2025)

    Multi-Platform Analytics & Event Instrumentation

    Comprehensive analytics layer across Flutter app and PWA: Mixpanel identity, CleverTap user creation and push, AppsFlyer events, Firebase Analytics, custom events for EWA/PL/onboarding/gold flows.

    ✓ Full-funnel event coverage across onboarding, EWA, PL, and gold flows on both mobile app and PWA

    MixpanelCleverTapAppsFlyerFirebase AnalyticsSentryChuck Interceptor
  5. (005)INTEGRATEWeek 11–30 (Jan 2025 – Jun 2025)

    DeepLink & Attribution Infrastructure (Branch.io + AppsFlyer)

    End-to-end deeplink implementation using Branch.io and AppsFlyer: deferred deep links, terminated/background state handling on Android and iOS, ATT consent, app-open attribution.

    ✓ Deeplinks functional across Android and iOS in foreground, background, and terminated states; AppsFlyer attribution events visible in dashboard

    AppsFlyer SDKBranch.ioFlutterCleverTapMixpanel
  6. (006)BUILDWeek 13–54 (Feb 2025 – Nov 2025)

    KMP (Kotlin Multiplatform) Migration – Credit & EWA Modules

    Migration of Flutter credit and EWA modules to Kotlin Multiplatform (KMP/Pothos), including credit repository, controller, request amount screen, repayment screen, credit confirmation, KFS screen, upload payslip.

    ✓ Credit and EWA modules progressively migrated into KMP SimpleLoan repo; Pothos design token abstraction completed

    KotlinKMPPothos Design SystemJetpack ComposeCoroutinesKoin
  7. (007)BUILDWeek 13–28 (Jan 2025 – May 2025)

    PWA (Progressive Web App) Onboarding Flow

    Web-based employee onboarding PWA: Google SSO OAuth, OTP screens, company search/autocomplete, employee ID screen, dynamic form generation from API, PAN screen, address confirmation.

    ✓ PWA onboarding deployed to production; Google SSO + OTP + company + PAN + consent flow live

    ReactReduxMixpanelCleverTapGCP OAuthNetlify
  8. (008)BUILDWeek 13–54 (Jan 2025 – Nov 2025)

    HR/Employer Dashboard & Payroll Management (Web)

    Employer-facing web dashboard: 12/50-month payroll date management, payroll CRUD with DynamoDB, company onboarding form, DAS field management, consent mapping per company (VFS, Philips, Pharmeasy, Quess.

    ✓ Employer dashboard live with payroll management, company audit trail, and agency portal for collections

    ReactTypeScriptAWS DynamoDBAWS S3MixpanelNetlify

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