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CASE STUDYFINTECH · NCMC PREPAID CARD PLATFORM

Kashware

A consumer fintech super-app that launched the NeoZap NCMC prepaid card with full KYC, then grew into gamified rewards, a voucher marketplace, and digital gold investing.

122Weeks operated
10k+Hours of work
6Engineers

The brief

Launch a branded NCMC prepaid card product (NeoZap) on the M2P fintech infrastructure with user onboarding, KYC, payment loading, and a gamified rewards experience — then scale to digital gold investment and a full voucher marketplace.

What we built

A comprehensive consumer fintech super-app ecosystem built over 4+ years comprising:

  • A Node.js backend platform integrating M2P for NCMC/prepaid card issuance with full KYC, multi-PG payments (Razorpay, Cashfree, Paytm), autopay, and card lifecycle management
  • A Flutter mobile app (NeoZap) with onboarding, gamification (coins, challenges, levels, spin wheel), rewards marketplace (Woohoo), digital gold investment (SafeGold/Augmont), chatbot support, NFC, and SOS
  • Three Next.js marketing/ecom websites (NeoZap, NeoFinity, NeoVault) with full analytics, A/B testing, and dynamic CMS
  • A React/Redux admin panel with ops automation, reward/offer management, and customer support tools
  • AWS EKS infrastructure with Jenkins CI/CD, RDS, Redis, and EFK observability. The platform migrated users from legacy Slaypay to NeoZap and expanded into digital gold and a web-based rewards PWA.
⊛ Live in production

NeoZap mobile app (Android + iOS) with NCMC card issuance, digital gold investment module, voucher marketplace (Woohoo), spin-the-wheel rewards, chatbot support, and NFC. NeoZap and NeoFinity marketing websites with ecom checkout and COD. NeoVault gold landing page. React admin panel for ops team. Web rewards PWA (Flutter Web). 4% cashback campaign and Shopify-integrated metal card ordering live in production.

How it was built, phase by phase.

8 workstreams across 122 weeks of operated delivery

  1. (001)BUILDWeek 1–180+

    Core Fintech Platform: NCMC/Prepaid Card & M2P Integration

    Built and maintained the full-stack backend for an M2P-powered prepaid/NCMC card product (NeoZap/Slaypay), including card ordering, linking, blocking, limit management, KYC (video/PAN), onboarding.

    ✓ Live NCMC prepaid card product with physical/virtual/metal card issuance, full KYC, autopay, and multi-payment-gateway support

    Node.jsPostgreSQLM2P APIsAWS LambdaRedisSNS
  2. (002)INTEGRATEWeek 1–100+

    Waitlist & ECOM Card Order Flow

    Built a multi-step waitlist web application (React→Next.js) with OTPless/OTP auth, invite codes, influencer/VIP flows, payment (Razorpay→Cashfree→Paytm), invoice generation, WhatsApp opt-in, drop recovery crons.

    ✓ End-to-end card pre-order funnel with payment, logistics, and communications fully automated

    Next.jsReactNetlifyAWS AmplifyCashfreeRazorpay
  3. (003)STABILIZEWeek 3–60+

    Cloud Infrastructure, DevOps & Cost Optimization

    Managed EKS Kubernetes cluster (upgraded from 1.21 to 1.28), Jenkins CI/CD pipelines, RDS instances, Redis on K8s, EBS volume optimization, AWS Amplify deployments, certificate management, EFK logging.

    ✓ Stable, cost-optimized Kubernetes infrastructure supporting multiple microservices with full CI/CD and observability

    AWS EKSKubernetesJenkinsAWS RDSAWS AmplifyAWS Route53
  4. (004)BUILDWeek 4–90+

    Gamification Engine: Coins, Challenges, Levels & Rewards

    Designed and built a rules-based challenge engine with brand-based, transaction-based, and generic challenges.

    ✓ Live gamification layer driving engagement via challenges, coin economy, level progression, and spin-wheel surprises

    Node.jsPostgreSQLRedis RedLockSNSstjsShane Template
  5. (005)DEPLOYWeek 4–80+

    Marketing Websites (NeoZap, NeoFinity, NeoVault)

    Built and iterated multiple marketing/landing websites in Next.js: NeoZap (card waitlist + conversion funnel), NeoFinity (company site with checkout), and NeoVault (Gold product landing).

    ✓ Live conversion-optimized websites with marketing team CMS autonomy, full analytics, and multi-campaign support

    Next.jsReactAWS AmplifyNetlifyGoogle Analytics 4Google Tag Manager
  6. (006)BUILDWeek 6–100+

    Admin Dashboard & Ops Panel

    Built a full React/Redux admin panel for internal ops: Rupay offer management, reward CRUD, brand/merchant management, challenge management, customer support (SOS, pending actions, cooldown, manual onboarding).

    ✓ Fully functional ops panel enabling non-technical team to manage rewards, offers, support, and user lifecycle without developer involvement

    ReactReduxNode.jsAWS AmplifyCloudWatchFreshdesk
  7. (007)BUILDWeek 26–180+

    Flutter Mobile App (NeoZap)

    Built and maintained the Flutter mobile app for NeoZap covering the full user lifecycle: onboarding, card linking, add money, autopay, rewards, offers, challenges, customer support chatbot, NFC, SOS.

    ✓ Production Flutter app with full fintech feature set live on App Store and Play Store

    FlutterDartFirebase CrashlyticsFirebase Remote ConfigCleverTapAppsFlyer
  8. (008)BUILDWeek 140–200+

    Digital Gold Investment Module (SafeGold, RSBL/Augmont)

    Built a complete digital gold investment product integrated with SafeGold and RSBL/Augmont: home page with live price feed, one-time purchase, SIP (daily/weekly/monthly), lease/auto-lease, withdrawal.

    ✓ Full digital gold investment product live with one-time, SIP, lease, and withdrawal flows for NeoZap users

    Node.jsPostgreSQLSafeGold APIRSBL/Augmont APIRazorpayCashfree

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