A cross-border remittance app, built as a working sample

Context

A big share of the fintech work founders ask us about is some version of "move money from A to B, under rules." Remittance, wallet top-ups, payouts, disbursements. The hard part is rarely the transfer itself — it's the surrounding product: showing fees and exchange rates honestly, gating the first transaction behind identity checks without losing the user, and giving people a credible answer to "where is my money right now."

We built this sample app to show how we'd approach that, end to end, before a line of client code is written.

What we built

A working, mobile-first remittance app you can click through:

• Recipient list + add-recipient flow across three payout corridors — India (INR), Nigeria (NGN) and the Philippines (PHP) — each with its own currency, flag and bank fields.
• An amount screen with live math. Type an amount in USD and the receive amount, exchange rate, our fee and total-to-pay all update as you type. Fees and rate are shown before you commit, not buried on a confirmation screen.
• A one-time identity check (KYC gate) on the first transfer — a three-step flow (details, photo ID, selfie) that only appears once, then never again. In the demo each step just advances; nothing is uploaded.
• A review-and-pay step with a payment-method choice (bank transfer vs debit card) and the full cost breakdown repeated.
• A payout status timeline — Paid → Converting → Sent → Deposited — so "where is my money" has a real answer, plus a full activity history with filters.
• Persistent state — recipients you add and transfers you make stick around (stored in the browser), so the demo behaves like a real app across a session.

It's plain JavaScript, HTML and CSS in a single file — deliberately dependency-free — because the point is the product thinking and the flow, not the framework.

What this demonstrates

• Honest fee and FX presentation — the Wise-style "here's exactly what it costs" pattern, which is now table stakes for any credible money-movement product.
• A KYC gate that doesn't kill conversion — deferred to the first transaction, one time, clearly explained.
• Status you can trust — a payout timeline instead of "your transfer is processing."
• The same build discipline we bring to client work — a real component structure, real state handling, accessible controls, reduced-motion support, and a design system of its own (not borrowed from this site).

Try it

Open the live demo →

It opens in a new tab. Every name, rate and figure in it is illustrative, there is no backend, and no money moves — a banner at the top of the app says so. This is a demonstration of capability, not a product we operate.

Want something like this built properly? See Mobile apps or start a project.