Shipped a cross-border money transfer app delivering 85% of transfers in under 10 minutes
A FlutterFlow-built mobile application enabling international remittances from Europe to African countries via bank deposits and mobile money, with real-time tracking and guaranteed exchange rates.
Key Takeaways
Instant-Ex is a cross-border remittance app that moves money from Europe to African countries via bank deposits and mobile money. Unico Connect built the application on FlutterFlow with Xano, covering multi-corridor remittance flow, mobile money provider integration, real-time transaction tracking and recipient management.
The app completes 85 percent of transfers in under 10 minutes, runs at a 4.2-star rating on Google Play and serves five remittance corridors across Africa.
The Challenge
Cross-border remittance is one of the harder fintech categories to build in: the product has to deliver on customer expectations (trust, speed, transparent pricing) while satisfying regulatory and integration requirements that vary across every corridor.
The customer expectation is unforgiving. Money has to land where the recipient expects it — a specific bank account or mobile money wallet — within minutes, with tracking that lets the sender see it move. Senders are often supporting family across borders, so trust is the entire game; a bad first transfer means they never come back.
The team needed to be in market quickly to build the brand and customer base, without compromising the architectural cleanliness a regulated fintech product requires. That led to FlutterFlow with a Xano backend — compressing time-to-launch while keeping the data and API layers under engineering discipline.
Our Approach
We structured the engagement around the FlutterFlow build, the Xano backend, the corridor and mobile money integrations, and the customer-facing tracking experience.
Key decisions:
FlutterFlow for speed, discipline in the API
FlutterFlow handles the mobile surface for fast iteration; Xano holds the data model, corridor integrations and operational state stable underneath.
Per-provider integrations
M-Pesa, EcoCash and MTN were each built to their own specification with a unified internal abstraction — per-provider fidelity with operational consistency.
Tracking as the trust layer
Real-time status from initiation to delivery, with delivery confirmation closing the loop so the sender does not have to message the recipient.
The solution we built
A mobile-first remittance app on FlutterFlow with a Xano backend, designed for speed because senders are completing a transaction they want to close quickly.
Multi-corridor remittance flow
Cameroon, Rwanda, Zambia, Ethiopia and Ghana initially, architected to add corridors without re-platforming.
Mobile money + bank deposit
M-Pesa, EcoCash, MTN and other providers for instant wallet delivery, with bank deposit corridors in parallel.
Real-time tracking
Status from the moment a transfer starts to the moment it lands, with delivery confirmation closing the loop.
Transparent guaranteed rates
Senders see the guaranteed rate and the recipient amount up front, with daily rate alerts on saved corridors.
Tech stack
Outcomes & metrics
5
Remittance corridors across Africa
85%
Transfers completed in under 10 minutes
4.2★
Rating on Google Play
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Tell us about your product, the corridors or markets you serve and where you want the platform to be in twelve months. A 30-minute call is the fastest way to find out whether Unico Connect is the right partner.
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