A digital wallet app, from discovery to the app stores

About the business

Northbridge Payments is a mid-sized US-based fintech company specializing in secure and scalable payment processing solutions. They serve both B2C and B2B clients. The company has built a strong reputation in the digital payments space by offering reliable transaction infrastructure and seamless integration with banking systems.

With an increasing demand for mobile-first solutions, Northbridge aimed to expand its financial ecosystem by entering the mobile market and launching a digital wallet — BridgeWallet. The product was envisioned to complement the company’s core solutions and provide end users with a secure, intuitive, and multi-functional way to manage, send, and spend money.

So Northbridge Payments came to us with the request to help them design, build and launch BridgeWallet for mobile and web platforms.

Project tasks and challenges

The goal of our client was to launch BridgeWallet — a cross-platform solution that would enable users to manage, send, and spend money with ease. At the same time it should support advanced financial features like NFC payments and real-time currency conversion.

The client approached us with a clear strategic request: to start with the development of a fully functional MVP that could go live quickly. Once it’s done, the client wants to gather user feedback and proceed to scaling MVP into a fully-fledged product that would be integrated with their broader infrastructure.

Keeping these goals in mind, we set the following key tasks:

• Conduct an in-depth product discovery, UX research, and MVP planning to uncover real users’ needs and requirements, and then align all goals and expectations.
• Design a cohesive UX/UI system for both mobile (iOS/Android) and web platforms. We should ensure that users can easily switch between devices without losing familiarity or clarity in their interactions.
• Develop the mobile application using React Native for fast, cross-platform delivery and build the responsive web version using React to support responsive layouts and ensure accessibility across devices.
• Integrate the new solution with the client’s existing backend infrastructure for payments, accounts, and virtual cards. Our team handled all frontend-backend alignment to ensure smooth, performant data flow across systems.
• Integrate Apple Pay and Google Pay for NFC-based payments and ensured alternative flows for web users, maintaining parity across all platforms.
• Connect to third-party services for KYC verification, currency conversion, AML compliance, and financial data protection. We built in secure authentication, transaction encryption, and API-level safeguards from day one.
• Provide full-cycle delivery: development, testing, deployment, and post-launch support – all aligned with the client’s roadmap and business goals.

Among the challenges that we faced and successfully overcame, we can name these ones:

• Designing a unified experience across mobile and web platforms with consistent behavior and branding.
• Managing complex frontend-backend integrations while ensuring API alignment and performance.
• Supporting multi-currency logic and real-time conversion on both platforms.
• Ensuring secure authentication and data transmission across web and mobile environments.
• Implementing NFC payments for mobile while providing alternative flows for web users.
• Delivering the full product within tight MVP timelines, including testing and dual-platform deployment.

Project team

• 1 Project Manager
• 1 Business Analyst
• 1 UX/UI Designer
• 2 Front-end Developers
• 1 DevOps Engineer
• 1 QA Engineer

2 months for Discovery & UX/UI Design

4.5 months for Development

Registration & Onboarding

We designed a clear and secure onboarding experience that meets regulatory compliance and users’ needs. All new BridgeWallet users can quickly sign up, perform identity verification, and access their wallet in a few steps. We also maintained top-tier security standards and added:

• quick sign-up via email or phone number
• seamless KYC with document upload and real-time ID validation
• biometric authentication (Face ID/fingerprint) for fast, secure login
• two-factor authentication for enhanced account protection

Spending Insights & Notifications

Our goal was to help users get full control over their finances by providing clear, real-time spending insights and notifications. This helps users to gain full visibility over their financial activity and make more informed decisions by using:

• transaction history with filters by date, type, and currency
• real-time push notifications for every transaction
• visual spending analytics segmented by category and currency

Banking Features

We added a set of must-have tools to help users manage their daily finances. Users can easily link and manage their debit or credit cards, top up their wallet from connected cards or bank accounts, and withdraw funds to external bank accounts.

BridgeWallet app also includes built-in transaction limits and real-time security alerts to ensure that all financial operations are safe and controlled.

P2P Payments & Transfers

We streamlined peer-to-peer money transfers to make sending and receiving funds effortless. Users can transfer money instantly using just their phone number or QR code, with the ability to add comments and track the full transaction history.

Each transfer is protected by secure confirmation flows using either a PIN code or biometric verification for added security.

Budgeting & Planning

We developed smart tools to help users manage their finances with ease and clarity. Whether users want to limit daily spending, save for a specific goal, or stay ahead of upcoming payments, BridgeWallet helps them by offering:

• monthly and category-based budgeting options
• setting custom spending limits with smart alerts
• goal tracking with visual progress indicators
• recurring payment planning and reminders

Development approach

While the client already had a robust backend architecture, our team was responsible for designing and developing the new product layer — from UX/UI design to frontend development, integrations, testing, and deployment. To begin with, we focused on designing a user-friendly and secure experience for managing digital payments across both mobile and web. Our in-depth product discovery included:

• stakeholder interviews and competitor analysis to define the MVP scope
• creation of user personas and journey maps for both mobile and web use cases
• defining API specs and integration flows, and aligning the product logic with KYC/AML compliance requirements from the start
• designing a cohesive UX/UI system tailored for iOS, Android, and responsive web

Once we were through with the discovery, we proceeded with the final design, development, and testing phases that took us 4.5 months. During the development phase, we ensured cross-platform consistency and built the mobile app using React Native and the web app using React.

We implemented all key features, including payments, multi-currency support, and real-time analytics. Our engineers also integrated third-party services for KYC and security and ensured secure and reliable API communication. On top of that, our QAs conducted thorough testing to ensure that everything functions exactly as it is supposed to.

In the end, we successfully delivered and deployed both versions of BridgeWallet. It turned out to be a flexible, compliant digital wallet solution designed to support secure transactions, cross-platform use, and scalable product growth.

Outcome

Our cooperation with Northbridge Payments led to the successful launch of a feature-rich and user-friendly e-wallet app. BridgeWallet helped our client expand their digital ecosystem and significantly enhance the value offered to end users.

Here are the tangible outcomes we’d like to highlight:

• successful end-to-end delivery in 5 months, covering product discovery, design, development, and release.
• seamless integration with the client’s backend systems and external providers.
• app Store and Google Play approval achieved without any delays.
• high user adoption rate post-launch, driven by intuitive onboarding and cross-platform convenience.
• positive early feedback on UI quality, P2P transfers, and contactless payments.
• future-proof product architecture, completely prepared for scaling and compliance across jurisdictions.

Our team managed to wrap up complex payment infrastructure into a frictionless user experience and BridgeWallet now serves as a solid foundation for further digital innovation in our client’s company.