About the Project
We built a comprehensive financial management app that combines real-time P2P transfers, digital banking, and AI-powered financial guidance. Inspired by the need to make money movement effortless and human, we created a React Native + Firebase platform where users manage digital cards, execute instant transfers with WhatsApp notifications, track budgets and shared expenses, and receive personalized advice from a Botpress chatbot that adapts its tone and recommendations based on each user's dynamic credit score. The score itself uses a weighted formula ( S = \text{clamp}_{[300,850]}(300 + 0.4L + 0.3B + 0.2T + 0.1A) ) that considers loans, balance, transactions, and account age, mapping users to five risk bands that determine loan limits and APRs—from 5% for excellent credit to 25% for rebuilding profiles.
The biggest challenge was optimizing Firestore to avoid listener storms that caused UI jank; we eliminated unnecessary re-subscriptions and moved to incremental listeners keyed by stable IDs, cutting reads by ~95%. We also tackled security by keeping WhatsApp credentials in Cloud Functions, designed granular Firestore rules for ownership and membership, and normalized phone numbers server-side to match WhatsApp's format quirks. What we learned: real-time performance is a product feature, rules are your first API layer, and conversational UX needs structured context—our credit-aware assistant works because we pass persona, limits, and tone grounded in the score, delivering actionable guidance without hallucination.
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