Service
App development, Fintech
Hutsy Financial
About Hutsy Financial
Tefari Bailey, CEO of Hutsy Financial, approached DETL Inc. with a bold vision—to build a cutting-edge fintech app that could handle over 50,000 users at launch. His goal was not just ambitious but also time-sensitive; he wanted the app fully developed, integrated with their brand-new Hutsy Debit card, and ready for market within four months. Taking on this challenge meant more than just building an app—it required designing a seamless user experience, implementing secure payment flows, and ensuring smooth integration with Hutsy’s financial services infrastructure.
DETL Inc. embraced the challenge, leveraging our expertise in fintech solutions to build an application that aligned with Hutsy’s vision of financial empowerment. With a relentless focus on user experience, security, and technical excellence, our team worked tirelessly to bring the Hutsy app to life—ready to serve thousands of users with the seamless functionality that Hutsy envisioned.
The Description
The Hutsy Financial app required the implementation of various features to elevate the user’s banking experience and provide seamless financial interactions. The following features were of paramount importance:
- Transparent overview of users' incoming and outgoing transactions.
- Effortless and Secure Authentication Experience with FaceID and/or TouchID
- Cutting-Edge Encryption for Uncompromising Security.
- Seamless real-time synchronization between users' cards and their in-app account information.
Owner
Tefari Bailey
Project Date
Start: 02/2022 - End: 11/2023
The Challenge
The development of the Hutsy Financial app presented several critical challenges. One of the primary hurdles was ensuring real-time synchronization between the user’s bank card and their account information within the app. This required building a robust infrastructure capable of handling instantaneous updates without delays, providing users with a seamless experience. Additionally, to safeguard sensitive financial data, we had to implement advanced encryption mechanisms, ensuring that user data is securely encrypted and decrypted only during active sessions.
Another significant challenge was preparing the backend infrastructure to scale efficiently and handle the onboarding of 50,000+ users. This required meticulous planning and optimization to guarantee a smooth user experience, even under heavy load. Overcoming these challenges demanded a well-coordinated effort across development, security, and infrastructure to deliver a highly reliable and secure fintech solution.
The Solution
To address these challenges, we implemented a custom backend webhook that listens for real-time transactions from Galileo’s system, a third-party vendor powering Hutsy's financial infrastructure. This webhook ensures that every transaction updates the user's profile on the backend in real time, reflecting immediately in the app to keep the user’s financial data accurate and up-to-date.
For data security, we utilized the CryptoJS library to encrypt sensitive user information such as names, emails, and dates of birth. Each user session is protected with a JWT (JSON Web Token), ensuring that information is only accessible with a valid token. Data is decrypted only when fetched with a valid JWT, maintaining strict privacy standards throughout each session.
To support 50,000+ users, we developed a scalable backend infrastructure on AWS, implementing auto-scaling to handle high traffic and peak usage without service interruptions. We also conducted disaster recovery tests to simulate server failures and ensure seamless recovery in case of unexpected outages. As a Canadian company, we ensured compliance with data residency regulations by hosting all infrastructure within Canadian data centers, safeguarding user privacy and maintaining legal compliance.
As a result, we successfully built a secure, scalable, and real-time financial platform with the following key features:
- Real-time Financial Updates: Transactions are processed instantly, reflecting both on the user's card and in the app to ensure financial transparency.
- End-to-End Encryption: Sensitive data is encrypted using CryptoJS and secured with JWT, ensuring that information is only accessible to authorized users.
- Scalable Backend on AWS: The infrastructure scales dynamically with user demand, providing a seamless experience for thousands of users.
- Disaster Recovery Mechanism: Systems are equipped to handle potential failures through thorough testing and auto-recovery protocols, ensuring uninterrupted service.
- Data Residency Compliance: All servers are hosted in Canadian data centers, ensuring adherence to local data privacy laws.
The Hutsy Financial App now offers users a secure, real-time banking experience with seamless card transactions, encrypted sessions, and a robust backend capable of scaling with the company’s growth trajectory.