Digital Banking & Mobile Wallet

VULT Digital Wallet

Product design and backend engineering for VULT — a Nigerian digital wallet unifying bank transfers, virtual cards, and mobile money in a single app.

Sector: FinTech Startup

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Nigeria (+234 814 139 1898)Ghana (+233 24 191 7729)

Results

Transaction failure rate reduced to near-zero (0.01%)
Virtual card provisioning time cut to under 3 seconds
Redesigned UX contributed directly to successful Series A funding round
App positioned for growth across Nigerian digital banking market

The story

VULT's ambition was to become the super wallet for the Nigerian market — one app replacing the need to juggle multiple banking apps, mobile money wallets, and virtual card services. Migher World handled both the product experience design and the backend engineering, making it functional enough and trustworthy enough to present to Series A investors.

The challenge

Nigeria's fragmented banking API ecosystem was causing silent transaction failures and virtual card provisioning timeouts. For a fintech app where trust is everything, these invisible failures were producing negative reviews and causing user churn at a critical growth stage.

What we did

We rebuilt the transaction processing layer with a resilient microservices architecture, introduced a message queue to manage transaction state between banking APIs, and reduced virtual card generation from multi-minute waits to under 3 seconds. The UI was redesigned for the kind of clarity and confidence that Nigerian fintech users — and international investors — expect.

Technology used

React Native
Node.js
Stripe Issuing
PostgreSQL

Beyond the build

We build it, host it, secure it, then hand it over.

Hosting and servers

We set up and configure the infrastructure behind every project, on WHM/cPanel hosting or AWS, so it launches on a stable, properly configured server.

Security

Security hardening is part of delivery, not an extra: access, server and application settings are reviewed and tightened before go-live.

Handover, then your choice

We hand everything over with clear documentation. You can run it yourselves, or keep us on for managed hosting, security and support.

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