PayFast
UPI-first digital wallet for the Indian market
75K+
Active Users
2L+
Transactions / month
Payments platform
Type
4.7
App Store Rating
The Challenge
An Indian startup needed a UPI-first digital wallet with bill payments, peer-to-peer transfers, and merchant QR payments, competing directly with PhonePe and GPay in a saturated market where speed and trust are everything.
The Solution
Ubikon built a cross-platform app with React Native, integrated Razorpay for seamless UPI transactions, built a merchant QR scanner with instant settlement, and added a rewards engine with a referral system that drove organic growth.
How We Built It
Market Analysis
UPI ecosystem mapping, competitor feature audit, regulatory compliance review with RBI guidelines.
Architecture
Event-driven backend with Node.js, Redis caching for transaction speed, PostgreSQL ledger design.
Core Wallet
Razorpay UPI integration, P2P transfers, bill payment aggregator, merchant QR scanner.
Rewards Engine
Cashback rules engine, referral tracking system, gamified streak rewards for daily usage.
Launch & Scale
Beta with 500 users, load testing for 10K TPS, Play Store launch with influencer campaign.
Rated 5.0 on Google from 597 reviews
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