Mobile App
One codebase. Consistent experience.
- Flutter (Dart) across iOS & Android
- Shared design system and components
- Optimized for fast interactions (payments, invoicing, navigation)
- State management designed for real-time updates
💰 Fintech
SeedMobileTilo — Neobank for Freelancers
Built with founders: a UAE freelancer money app combining banking, invoicing, expenses, and VAT in one product.
Built and shipped in ~8 months.
Build snapshot
Timeline
~8 months
Production views
45+
Integrations
4 integrations
Flows
13 core flows
Product tour
Production surfaces
Inside the product
Explore the live app—one product for banking, payments, invoicing, spend, and tax. Built in Flutter and integrated with core financial rails across the UAE.
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Here's how we got here — the problem, the approach, and what shipped.
Slide 1 of 8: Onboarding — account setup in under 3 minutes
01 / 08
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Onboarding — account setup in under 3 minutes
Why it mattered
Product thesis
One money stack for UAE freelancers
One flow replaces banking, invoicing, expenses, and VAT—without turning into an everything app.
Tilo is mobile-first. Cash, invoicing, spend, and tax stay connected in one system—not split across tools.
- Balances and transactions in-app
- Invoicing with hosted payment links
- AI-assisted expense categorization—with user overrides
- VAT-period visibility; virtual cards; multi-currency for client work
ScopeEnd-to-end ownership through v1
From product and UX to mobile, backend, and integrations—we owned everything required to ship a production fintech app.
Product & UX — 13 shipped flows, 45+ production views, design system
Cross-platform Flutter — iOS & Android, single codebase
API and data — Node.js, Express, PostgreSQL, Redis on AWS
Four integrations — Stripe, Lean (open banking), UAE Pass, FTA portal
The problem
Four tools. No system.
UAE freelancers were managing banking, invoicing, expenses, and VAT across separate products—losing time to admin before they had a clear view of cash or tax exposure.
Discovery snapshot
- 48+
- hours / mo reported in discovery
- 4
- tools consolidated into one app
- 15+
- interviews before design
What we heard was consistent: constant switching, manual reconciliation, and no product built around freelance money as a system.
Banks often underserve freelance visa holders and irregular income; few combine money movement with VAT-ready workflows.
Our brief with the founders: replace four tools with one product—without creating an everything app.
“I use 4 different apps just to manage my money”
“I never know how much to set aside for taxes”
“Every invoice I send is a completely manual process”
The solution
Money app first. Invoicing one tap away.
We designed Tilo as a money system—not an invoicing tool with a balance attached. Cash position, activity, and tax stay visible in one place; creating an invoice takes one tap.
Build snapshot
- ~90%
- receipt categorization accuracy (internal test set)
- 1
- Flutter codebase (iOS & Android)
- 1 tap
- from home to new invoice
Built in Flutter across iOS and Android, with Stripe (payments) and Lean (open banking) in production. UAE Pass supports eKYC where applicable; VAT views use FTA-linked data where integrated.
For tax, we prioritized automation over manual work. Expenses are categorized automatically, with user overrides and continuous learning.
How we ran it
Build phases
How We Built It
Seven phases from discovery through launch and post-launch iteration—use the rail to jump, or read the active chapter in full.
01
Discovery & Research
01Discovery & Research
What we shipped
The outcome
What went live
V1 on App Store & Google Play—validated through beta testing, with live integrations, security review, and full handover—so founders could fundraise on a real product.
Launch snapshot
- Timeline
- ~8 months → App Store & Google Play
- Client
- Single Flutter app across iOS & Android
- Integrations
- 4 live integrations (Stripe, Lean, UAE Pass, FTA)
- Scope
- 13 core flows, 45+ production views
What we delivered
Product UX & flows
13 core journeys, 45+ production views, tested with real freelancers
Node.js Backend
Production-grade Node.js API on AWS with PostgreSQL and Redis
Integrations
Stripe (payments), Lean (banking), UAE Pass (identity), FTA (VAT data)
AI layer
~90% first-pass on whether a receipt is business vs personal (internal labeled set); learns from overrides
Complete Design System
Component library, brand guidelines, App Store assets
Card data stays on Stripe · third-party security review before launch · founders own the codebase.
Summary
Hiverd delivered end-to-end—from discovery to production—in ~8 months.
The result: a live fintech product with real integrations, production-ready infrastructure, and full handover—allowing the founders to move into fundraising with a working product, not slides.
Scope
What We Built
A unified money system for freelancers—connecting banking, invoicing, spend, and tax in one product.
Core Banking
5 capabilities
- Guided account setup with UAE Pass where applicable
- Real-time balance and transaction tracking
- Multi-currency support (AED, USD, EUR, GBP)
- Instant alerts for money in and out
- Secure access with biometric authentication
Invoicing & Payments
5 capabilities
- Create invoices from templates in a few taps
- Hosted payment links (card and bank transfer)
- Real-time payment status updates
- Recurring invoices for retainers
- Built-in reminders for overdue payments
Tax Management
5 capabilities
- Automatic expense categorization (with overrides)
- VAT tracking with return previews
- Smart tax savings allocation after incoming payments
- Income breakdown by client, project, and period
- Export-ready tax reports
Expense Tracking
5 capabilities
- Virtual cards for business spending
- Receipt scanning with OCR extraction
- Smart category suggestions
- Expense reporting by project or period
- Multi-currency expense handling
Engineering
Architecture overview
Flutter client across iOS and Android, backed by a Node.js API with PostgreSQL and Redis—deployed on AWS with containerized infrastructure and automated pipelines.
Integrated with core UAE financial rails: Stripe (payments), Lean (open banking), UAE Pass (identity), and FTA (VAT data).
Integrations
Connected directly to the financial rails used in production.
- Stripe → payments, invoicing, and card flows
- Lean → open banking connections and account data
- UAE Pass → identity and eKYC flows
- FTA → VAT-linked data where applicable
Backend
Designed around financial workflows—not generic CRUD.
- Node.js services (structured architecture, modularized by domain)
- REST APIs with validation and error handling
- PostgreSQL for reliable transactional integrity
- Redis for caching, background jobs, and performance
Infrastructure
Built to scale and operate reliably in production.
- AWS cloud infrastructure
- Dockerized services
- Kubernetes orchestration
- CI/CD pipelines for continuous delivery
- Terraform for infrastructure as code
Build with us
From blank page to production
We design, build, and ship fintech products end to end. Tilo went from zero to App Store & Google Play in ~8 months.
90-day engagementsYou own the codebaseThird-party security review