Business Context
PayStream Global needed to launch a consumer digital wallet competitive with Paytm and PhonePe, but their previous app attempt was rejected from app stores twice due to PCI-DSS compliance gaps, and performance testing revealed the backend couldn't handle more than 800 concurrent transactions without significant latency spikes.
Execution Strategy
Rebuilt the app from the ground up with end-to-end AES-256 encryption, biometric authentication (Face ID and fingerprint), and a microservices transaction processing architecture capable of handling 50,000 concurrent sessions — alongside a real-time fraud scoring layer that flags suspicious transactions before settlement.
Measured Impact
Processed over 2.1 million transactions in the first quarter with sub-2 second settlement time, zero fraud incidents, and 150,000+ downloads across India and Southeast Asia — with the app passing all PCI-DSS and RBI compliance audits on first submission.
