EnXingaPay needed to create a robust global network to process fiat-to-crypto payments, and ultimately to local currency in markets like Asia and the U.S. Through strategic technical leadership, a hexagonal architecture based on a monorepo was designed, optimized with Artificial Intelligence agents and an immutable Ledger system, ensuring scalability and drastically reducing development time and operational risks.
EnXingaPay identified multiple technical and business challenges to launch a competitive platform in the retail money transfer sector:
— International Payments Infrastructure: Need for a network that enables transferring money from customers to referenced accounts, converting it to crypto (such as USDT) via APIs (e.g. Bitso) and sending it to counterparts in Asia or the United States.
— Compliance and Traceability: Critical requirement to implement a double-entry bookkeeping discipline and an immutable Ledger to guarantee the integrity of funds.
— Onboarding Efficiency (KYC): Avoiding technical blockers and high internal development costs when verifying user identity (national ID, passport, biometrics).
— Development Silos: Risk of maintaining separate codebases for web and mobile that slow down UI/UX component updates.
The technical team implemented a structured work plan with key initiatives to provide EnXingaPay with superior technological maturity:
| ID | Initiative | Objective and Execution |
|---|---|---|
| 101 | Hexagonal Architecture and Monorepo | Implementation of a business logic core (single source of truth) usable simultaneously on web (Astro), mobile (Expo/React Native) and the API. Databases were split: Postgres (the gold standard) for the transaction Ledger and Mongo for the flexibility of user data. |
| 102 | Security and Automation with AI | Integration of AI workflows and tools like Dependabot for code analysis and vulnerability prevention. A specialized AI agent (“Principal Financial Architect”) was configured to audit fintech regulatory compliance and prevent sensitive data leakage (PII leaking) in logs. |
| 103 | UI/UX Synchronization | Development of a Figma plugin that automatically synchronizes the code component library (React and React Native) directly with the visual design, streamlining interface creation. |
| 104 | Strategic KYC Outsourcing | To mitigate the risks of using untested AI-generated code, the KYC module was strategically outsourced to robust external providers (such as Zcope, True Hora, or Sumsub) under a low-cost-per-use model (cents on the dollar). |
| 105 | Modular API Integrations | Design of a virtual accounts adapter ready to connect with multiple international liquidity providers (such as Bitso) without needing to modify the central database. |
With this technological modernization, EnXingaPay achieved the following key milestones:
— Excellence Audit: The architecture (combining hexagonal, event-driven approaches and database separation) was audited via AI and rated as “excellent,” highlighting its financial-grade security.
— Development Acceleration: The automation of continuous integrations (CI/CD) and the use of AI workflows (such as Copilot recommendations in Pull Requests) save days of manual review work by senior developers.
— Highly Scalable Platform: Developing new features and integrating future international payment corridors can be done quickly and securely thanks to the unified foundation architecture already being fully consolidated.
— Risk Mitigation: The strategic decision not to reinvent the wheel and to integrate proven external services for KYC ensured a safe and unblocked path to launching the Minimum Viable Product (MVP).
At Xolvex we design robust, AI-driven fintech architectures that guarantee the global scalability of your financial operation. WhatsApp: +52 33 3773 0000
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