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What I’ve built
CyaPay – Digital Payments & UPI Fintech App
CyaPay is a prototype digital payments and UPI-based fintech application developed to meet a client requirement for showcasing a modern, secure, and scalable digital payment system. The application enables users to send and receive money within the app, perform UPI ID–based payments and bank transfers, and access detailed transaction history and transaction records for improved financial tracking and transparency.
The app features a secure login system using Firebase Phone Authentication, ensuring fast onboarding while maintaining strong authentication security. CyaPay is designed to closely simulate real-world fintech workflows and demonstrates advanced payment logic commonly used in banking and UPI-enabled applications.
CyaPay is built using React Native to deliver a smooth, cross-platform mobile experience. The backend is developed with Laravel, responsible for REST API development, business logic, and transaction processing. Firebase Phone Authentication is integrated for user verification. The backend infrastructure is deployed on AWS, configured with Apache, SSL encryption, and server-side security settings to ensure reliable and secure communication.
Core Features:
- Send and receive money between registered app users
- UPI ID–based payments and direct bank transfers
- Transaction details screen with complete transaction history
- Secure phone number–based login using Firebase Authentication
Unique Fintech Features:
- Credit UPI System: A UPI-based credit feature similar to a credit card. After bank approval, users are assigned a credit limit that can be used for bill payments and recharges. The utilized credit amount can later be repaid directly to the bank.
- NBFC Credit UPI: A credit-based UPI solution managed by an NBFC and linked to a single mobile number, enabling users to make UPI payments using an allocated credit balance without requiring a traditional credit card.
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