- Illustrative example
- Case B-03
- UAE
A PCI-scoped digital wallet, launched in 12 months
In this illustrative example, 9 engineers would build a wallet, card issuing, KYC and a merchant portal for a licensed fintech. It would launch with authorisation under 300 ms and no critical pen-test findings.
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300 ms
Under · payment authorisation
In short
Case B-03 is an illustrative example the digital wallet and payments platform a Remote Pro Ai squad would build for a licensed fintech in Abu Dhabi. 9 engineers would deliver wallet apps, card-issuing integration, KYC and AML orchestration and a merchant portal under SOC 2-aligned controls. It would launch within PCI DSS scope, with payment authorisation under 300 ms and zero critical penetration-test findings.
In this illustrative example, a licensed Abu Dhabi fintech needs a launch-grade wallet and card programme. 9 engineers would deliver it in 12 months.
A wallet that clears payments in under 300 ms
Client (illustrative)
A licensed fintech · UAE
Team
9 engineers · 12 months
Model
Managed Delivery
Data pattern
Pattern A, the fintech’s own environment
Stack
Kotlin · Swift · Go payments core · PostgreSQL double-entry ledger · Apache Kafka · HSM-backed key management · card-processor APIs · KYC and AML provider orchestration · React · Semgrep · Snyk · Burp Suite
Assembled in
4 working days
A licence in hand, and a launch date to meet
In this example, the fintech holds its licence and has a card-processor partner signed. It now needs the product itself: wallet apps, a ledger it can reconcile to the cent, card issuing, onboarding with several KYC and AML providers, and a merchant portal.
Investors and the regulator are both watching the timeline. Payments have to feel instant, cardholder data has to stay inside a tight PCI scope, and every release has to survive an external penetration test.
- PCI-DSS scope kept as small as possible and assessed before launch
- Payment authorisation under 300 ms end to end
- Multiple KYC and AML providers behind one onboarding flow
- External penetration test on every major release
9 engineers, assembled in 4 working days
| Role | Level | Count | Location |
|---|---|---|---|
| Payments architect and Squad Lead | Lead | 1 | Dubai |
| Backend engineers (payments core, ledger) | Senior | 3 | Cairo |
| Mobile engineers (iOS, Android) | Senior | 2 | Cairo |
| Frontend engineer, merchant portal | Mid | 1 | Cairo |
| Application security engineer | Senior | 1 | Cairo |
| QA automation engineer | Mid | 1 | Cairo |
All engineers would work inside the fintech’s own environment on managed devices, so no cardholder data touches Remote Pro Ai systems.
Scope the PCI boundary before writing payment code
Weeks 1–3
PCI scope design, threat model and double-entry ledger design reviewed with the fintech’s risk team.
Months 1–5
Payments core, ledger and KYC and AML orchestration across providers.
Months 6–8
Wallet apps, card-issuing integration and merchant portal.
Months 9–11
PCI assessment, external penetration test per release and latency tuning on the authorisation path.
Month 12
Launch, runbooks and hand-over to the fintech’s engineering team.
- Operating rhythm
- 2-week sprints · weekly executive report to the CTO every Friday · monthly steering · continuity target: zero unplanned turnover across 12 months.
Results
PCI-DSS
scope assessed before launch
Under 300 ms
payment authorisation
Zero
critical penetration-test findings
- These figures are illustrative
- they show the kind of result this squad model is built to deliver, not a verifiable named-client record. PCI status reflects the assessment completed before launch. Authorisation time is the p95 from wallet request to approval response in production during month 1. Penetration-test findings come from independent testers engaged by the fintech for each major release.
About this case
Illustrative example
No client quote: this is an illustrative example
This is an illustrative example. No client is named, and the figures show the kind of result this squad model delivers, not a verifiable named-client record. On a scoping call you can ask for a reference under NDA from a comparable engagement, subject to that client’s consent.
Compliance this squad would handle
- PCI-DSS scope designed first and assessed before launch
- SOC 2-aligned controls with evidence collected per sprint
- KYC and AML orchestration with a full audit trail per customer
- Independent penetration test on every major release
- HSM-backed key management for card and wallet secrets
Related roles & practices
Frequently asked questions
20 minutes with a solutions architect. No sales script.
The PCI boundary would be designed before any payment code is written. Cardholder data flows only through a small set of services backed by HSM key management, while the wallet apps, merchant portal and most of the platform handle tokens. A smaller scope means fewer systems to assess and a faster assessment.
The squad would treat latency as an acceptance criterion from the start. The authorisation path avoids synchronous calls that are not essential, the ledger writes asynchronously through Kafka with reconciliation, and every release runs a latency test against the 300 ms p95 budget before deployment.
Independent testers engaged by the fintech test every major release, with full freedom to choose their methods. Inside the squad, an application security engineer runs secure code review, static analysis and dependency scanning on every merge, so issues are fixed long before testers arrive and the aim is no critical findings at launch.
The squad would build an orchestration layer that routes each onboarding step to the right provider and records every decision in a per-customer audit trail. The wallet app sees one onboarding flow, while the fintech can add or switch providers without changing the app. Compliance staff can trace each customer’s checks, results and overrides from a single record.
No. The engagement would run under Pattern A: every engineer works inside the fintech’s own environment on managed devices, and keys sit in HSM-backed key management controlled by the fintech. Cardholder data flows only through a small set of PCI-scoped services. Remote Pro Ai keeps no copies of code, keys or customer data on its own systems.
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