Navo
A Nigerian super‑app for wallets, bills, airtime and data, betting top‑ups, gift cards, exam PINs, USD virtual cards and a peer‑to‑peer marketplace with escrow. I built the backend, the web app, the mobile app and the admin console.
- Node.js and Express API on Railway with PostgreSQL
- Multi‑provider architecture for bills, gift cards and betting top‑ups
- Fulfilment worker and idempotent refund logic
- Auto‑reconciliation for electricity every 2 minutes
- Webhooks for Flutterwave, Kuda and Payvessel
- Brevo HTTP email after diagnosing SMTP blocks
Funding & transfers
Flutterwave virtual accounts and atomic wallet‑to‑wallet transfers in a single DB transaction.
BVN / NIN verification
Three‑tier limits with a ₦50 verification fee and daily‑limit enforcement.
Airtime, data, power
VTpass electricity with meter tokens, plus a cheap‑data catalogue of 187 plans.
P2P with escrow
Cart, escrow checkout, order tracking, chat, disputes and 7‑day auto‑release.
Gift cards & betting
Kuda Business integration with a fulfilment worker and reconciliation queue.
USD virtual cards
Payvessel integration with a Vercel proxy rewrite for webhook domain checks.
Divine AI + live chat
A Groq‑powered care bot, with handoff to live support threads and image attachments.
Exam PINs
NECO, NABTEB, NBAIS and JAMB registration PINs, in progress.
