Chapkey

Chapkey, designed for a client, solves a problem that's simple to state but hard to build: transferring money between Benin and Nigeria without being locked into a single channel. Most existing solutions stop at Mobile Money. Chapkey adds bank transfers and P2P, letting users mix all three however they need, deposit via Mobile Money and withdraw to a bank account, deposit via bank and withdraw via Mobile Money, or any other combination. At the core of the system are two wallets, XOF on the Benin side and NGN on the Nigeria side. Users deposit into their XOF wallet through Mobile Money or a bank, convert to the NGN wallet, then withdraw on the other side, either through a bank or Mobile Money, whether they've traveled themselves or someone else is picking up the funds in Nigeria. The real technical challenge was elsewhere: no single aggregator covered all these channels. Building the pipeline meant intelligently routing each transaction to the right aggregator depending on the channel selected, all while maintaining the strict KYC required for this kind of financial flow. The system also includes a manual mode for admins, who can choose to validate certain transactions by hand, with proof of payment attached, instead of leaving everything to run automatically. Chapkey exists as both a mobile app and a web platform. The mobile app is built with Flutter and Bloc for state management, the web platform with Vue.js, the backend with Laravel, using Redis for caching and PostgreSQL for data storage. The interface is clean, available in both French and English, with dark and light modes.