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need a complete, professional bureau-de-change and money-transfer platform consisting of a responsive website plus iOS and Android apps. The goal is one unified fintech experience where customers can view live FX rates, calculate exchanges, buy/sell or send money, complete KYC, make payments, receive notifications, and track transactions in real time. The platform must be suitable for a Canadian/Québec regulated money-services business, with strong KYC/AML, transaction monitoring, audit trails, security and reporting. It must also be designed for future physical bureau-de-change locations, cash transactions and multiple branches. 1. Website & Mobile Apps Responsive web application iOS app ready for App Store submission Android app ready for Google Play Shared secure backend/API Fast, modern fintech UX French primary language, English support, Arabic-ready architecture Mobile-first design SEO-friendly public pages Secure customer portal Real-time FX calculator Apps should feel native, not simply wrapped websites 2. Customer Accounts Customers must be able to: Register/login securely Reset passwords and use MFA/2FA Manage personal information Complete KYC Upload ID documents Complete selfie/liveness verification where supported View KYC status Add/manage beneficiaries View transaction history Download receipts Track transactions Receive email/SMS/push notifications Contact support Clearly distinguish customer, beneficiary, payer and recipient and include controls against unauthorized third-party transactions. 3. Exchange & Transfer Flow Customer flow: Select service Select currencies Enter amount Display live FX rate Display fees Display amount received Confirm transaction Complete KYC/compliance requirements Select payment method Submit payment Confirm payment Compliance/operations review when required Approve/reject Process transaction Notify customer Complete transaction Show rate, fees, amount sent, amount received, reference number and status clearly. 4. FX Rate Engine Create one centralized rate engine used by web, iOS, Android, calculator and transactions. Admin must be able to: Set buy/sell rates Configure spreads/margins and fees Enable/disable currencies Schedule rate changes Override rates Set minimum/maximum amounts Configure online/branch rates Configure volume or customer-specific pricing Architecture must support future FX market-rate, liquidity and pricing-provider integrations. 5. Calculator Professional live calculator with: Currency selection Amount input Live buy/sell rate Fees and FX margin Final amount received Configurable pricing tiers Copy/share results Email/WhatsApp sharing Calculator and actual transactions must use the same pricing engine. 6. Payments Support secure integration with: Interac/payment providers Payment gateways EFT/bank payment providers Future card payments Future in-person payments Use APIs/webhooks for payment status and reconciliation. Do not unnecessarily store sensitive payment credentials. 7. KYC / AML / Compliance Support: Identity and ID-document verification Selfie/liveness verification Beneficiary information Source-of-funds Purpose of transaction Risk flags Transaction and velocity limits High-value transaction review Additional document requests Compliance holds Manual approval/rejection Compliance notes Complete audit trail Compliance rules must be configurable and updateable without rebuilding the platform. 8. Transaction Management Every transaction requires a unique reference and complete history. Statuses should include: Draft, KYC Required, Awaiting Payment, Payment Received, Under Review, Compliance Hold, Approved, Processing, Completed, Rejected, Cancelled and Refunded. Every status change must be timestamped and linked to the responsible user or automated process. Confidential compliance information must remain internal. 9. Admin Dashboard Administrators must operate the platform without touching code. Customers: search, profiles, KYC status, documents, transactions, account status, notes. Transactions: search/filter, review, approve/reject, hold, request documents, refund, timeline, export. Rates: rates, spreads, fees, currencies, limits and scheduled changes. Compliance: KYC queue, AML/risk alerts, high-value reviews, source-of-funds reviews, beneficiary reviews, notes and audit logs. Reports: transaction volume/count, fees, revenue, FX spread revenue, currency volumes, customer activity, pending/completed/rejected transactions, refunds and CSV/Excel export. 10. Future Physical Bureau de Change The architecture must support future physical locations with: Cash buy/sell Cashier accounts Branch accounts Till management Vault management Currency inventory Cash reconciliation End-of-day closing Cash deposits Printed receipts In-person KYC Branch-specific rates/limits Branch reporting Multiple branches Online and physical transactions should use the same customer, transaction, compliance and reporting infrastructure while remaining identifiable by channel. 11. Security Use current security best practices: MFA/2FA Role-based access control Encryption in transit/at rest Secure document storage API authentication Secure sessions Rate limiting Input validation OWASP protections Secure secrets/environment management Audit logs Backups/recovery Monitoring/error tracking Changes to rates, fees, transactions, refunds, customer accounts, compliance decisions and permissions must be auditable. 12. User Roles At minimum: Super Admin Compliance Officer Operations/Admin Customer Support Branch Manager Cashier Customer Permissions must be granular. 13. Notifications Support email, SMS, push and optionally WhatsApp for registration, KYC status, document requests, transaction creation, payment received, review/hold, approval, completion, rejection and refunds. 14. Technical Architecture You may choose the stack, such as React/[login to view URL], React Native, Flutter, Node.js, Python or another suitable technology. Priorities: Secure Scalable Fast Maintainable API-first Modular Well documented Easy to deploy Easy to integrate with third parties Web and mobile must use the same centralized backend for customers, transactions, rates, compliance, payments and notifications. The architecture should support thousands of transactions per month and substantially higher volumes later. 15. Infrastructure Provide separate development, staging/sandbox and production environments with: Database Secure API Document storage Monitoring/logging Backups SSL Domain configuration CI/CD where appropriate Never hard-code passwords, API keys or secrets. Provide an environment-variable template. 16. Deliverables Production-ready web application iOS and Android apps Backend/API Admin dashboard Database/schema/migrations FX engine Transaction engine KYC/AML integration Payment integration hooks Notifications Role-based permissions Audit logs Reporting Source code Environment configuration API documentation Deployment/setup documentation Sandbox/test credentials Automated tests for critical functions 17. MVP Acceptance Criteria The MVP must demonstrate: Correct live FX rates across web/iOS/Android Customer registration/login Sandbox KYC Complete end-to-end exchange/transfer Correct payment webhook/status handling Admin approval/rejection Rate changes without code changes Consistent fee/rate calculations Transaction history Compliance audit logs Notifications Working permissions Shared backend Critical automated tests Successful installation on a clean machine Adequate deployment documentation No critical security vulnerabilities 18. Development Phases Phase 1 — MVP: Website, accounts, FX calculator, live rates, KYC, payments, transactions, admin dashboard, reporting, notifications and mobile apps. Phase 2 — Advanced: Advanced AML/risk rules, KYB/corporate accounts, advanced reporting, automated reconciliation, additional payment providers, advanced pricing and accounting integrations. Phase 3 — Physical Bureau: Cash transactions, till/vault management, currency inventory, cashier accounts, branches, in-person KYC and multi-branch reporting. 19. Proposal Required Please provide: Recommended technology stack and architecture Database design Security approach KYC/AML and payment integration approach Required third-party services Fastest realistic MVP timeline Development phases and cost Estimated hosting/third-party costs App Store/Google Play requirements Information/access required from me on day one Exact MVP scope Features recommended for Phase 2 How the architecture will support the future physical bureau Priority: Launch a secure, functional MVP as quickly as realistically possible while creating a scalable foundation for a complete online and physical bureau-de-change platform.
Project ID: 40742641
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279 freelancers are bidding on average $591 CAD for this job

Hello, I am Dr. Rajesh Rolen, PhD in Computer Science & Engineering, with experience of over 20+ years in Android, API Development, Mobile App Development, PHP, Web Development, iPhone, Database Design As a preferred freelancer in the top 1%, I have done 400+ projects here on freelancer.com, I have 4.9 ratings out of 5 on average, which showcases my quality of work and timely delivery. Key Highlights: - Free Hosting Support on the Cloud or any desired platform. - Free 3 months of post-delivery support to ensure that our client doesn’t face any challenges after the launch of the project. - Free Dedicated tester on projects to ensure quality delivery, so clients don’t need to act as a tester. - 10+ Years experience UI/UX team to ensure intuitive UI. Portfolio: https://www.freelancer.com/u/Microlent Please open the chat and send me a message, so we can have a more detailed discussion about the project to give you the project timeline and cost. Thank you for considering my services. I look forward to engaging in a productive conversation and understanding how I can be of assistance in bringing your project to life. Regards Rajesh Rolen
$500 CAD in 10 days
9.6
9.6

Hi, I'm Elias, a senior software engineer based in Miami with 20 years of experience in web and mobile development. I understand you're looking for a comprehensive bureau-de-change and money-transfer platform that is responsive and professional. Your goal is to create a secure and efficient system for currency exchange and money transfers. I've built similar platforms before, focusing on secure architecture, responsive UI, and scalability. My approach would involve a few simple phases: 1) Understand the business workflow and technical requirements. 2) Design the user experience and architecture. 3) Develop the core features and necessary integrations. 4) Test everything thoroughly before launch. 5) Deploy and provide post-launch support. Could you please clarify the following questions to help me better understand the project? 1) What specific business logic should the platform accommodate for currency conversions and transfer fees? 2) Are there particular payment gateways or APIs you plan to integrate for transactions? 3) What user roles and permissions do you envision for managing transactions on the platform? I have successfully completed similar systems under NDA, so I can't share links, but I’d be happy to discuss the architecture and key features I implemented. Additionally, I will ensure your platform has a clean and maintainable codebase for future enhancements.
$600 CAD in 5 days
9.1
9.1

Hello, your bureau-de-change platform requires a carefully phased fintech foundation spanning responsive web, mobile apps, backend APIs, compliance, payments, and future branch operations. I would structure the MVP around a centralized FX and transaction engine, role-based administration, auditable KYC/AML workflows, secure document handling, and shared web/mobile services. A valuable improvement is defining compliance and payment-provider sandboxes early to validate the complete transaction lifecycle before production deployment. I can provide clear architecture, documentation, testing, and deployment planning. Check out my portfolio here:- https://www.freelancer.com/u/installerpoint Best Regards, Muhammad Adeel
$250 CAD in 4 days
8.1
8.1

Hello, Your hidden challenge is not simply launching three interfaces, it is keeping rates, compliance decisions, payments, and audit history consistent across every channel. I can shape a phased MVP around a secure API-first architecture, with PHP, JavaScript, and Web Development supporting the customer portal, admin operations, centralized FX engine, KYC/payment webhooks, notifications, and role-based workflows. Software Architecture will keep future branches, cash operations, French-first localization, and mobile applications extensible rather than forcing a rebuild. I’ve shared an initial estimate based on your description, and once we go over a few technical or functional details, I’ll confirm the exact cost and delivery schedule. I recommend beginning with a discovery and architecture plan, then delivering the MVP in controlled milestones with sandbox integrations, automated tests, deployment documentation, and security review. Which Canadian KYC/AML provider, payment rails, and live FX source are already selected, if any? Best regards, Asad Which Canadian KYC/AML provider, payment rails, and live FX source are already selected, if any? Should the MVP include both native mobile builds and App Store/Google Play submission support? Which transaction limits, approval rules, and Québec compliance workflows must be configurable on day one? Looking forward to your reply so we can finalize the exact plan.
$750 CAD in 60 days
8.2
8.2

Hello, Your bureau-de-change platform requires a unified, secure foundation across web, iOS, Android, compliance, payments, and future branches. I can help structure the MVP around a centralized API, modular transaction and FX engines, role-based administration, configurable KYC/AML workflows, audit trails, and sandbox integrations. The architecture should keep online and branch transactions distinct while sharing customers, rates, compliance, reporting, and reconciliation logic. I would recommend phased delivery with development, staging, and production environments, automated tests for critical financial flows, secure document storage, monitoring, and deployment documentation. A useful improvement is formalizing compliance rules as configurable policies so regulatory changes avoid code rewrites. I can provide a clear MVP scope, implementation roadmap, third-party integration plan, and scalable technical foundation. Regards Muhammad
$250 CAD in 4 days
8.1
8.1

Hello, I checked your "Bureau De Change Platform" project description, it looks like the focus is on delivering a clean, responsive website that works well across all devices. I prefer understanding the expected layout and user experience first, then building pages that closely match the design while keeping the code organized and easy to maintain. Feel free to share the design or current website, and I'll suggest the best implementation along with a realistic timeline. Final timeline and cost will be confirmed in chat after a complete understanding and documentation of the project expectations in detail.
$450 CAD in 13 days
8.0
8.0

Hello there, I’m interested in your project. If you’re interested as well, let’s discuss the next steps. Your platform needs a secure foundation that can handle FX, KYC, payments, compliance, and future physical branches. With 8+ years of experience, I can build a scalable web and mobile fintech platform with one secure backend for all channels. I can develop the customer portal, iOS and Android apps, FX calculator, pricing engine, KYC and AML workflows, payments, transactions, notifications, admin dashboard, reporting, role based access, and complete audit trails. The architecture will also be prepared for future branch and cash operations. Questions: Which KYC, AML, payment, and FX providers are you planning to use? What currencies and payment corridors are required for the MVP? Do you already have your Canadian and Québec compliance requirements documented? Portfolio: https://www.freelancer.com/u/Hammadhassan21 Best regards, Hammad Hassan
$700 CAD in 25 days
7.9
7.9

Hi, I’ve reviewed the requirements carefully. This is a complete fintech platform covering web, iOS/Android apps, FX rates, money transfers, KYC/AML, payments and transaction management. I have 10+ years of full-stack experience with Laravel/PHP, Flutter, Node.js, REST APIs, MySQL, payment gateways and secure web/mobile applications. I can handle: • Responsive web + Flutter iOS/Android apps • Secure registration, MFA/2FA and customer accounts • KYC document and verification workflows • Centralized FX rate, spread, fee and pricing engine • Live currency calculator • Payment/API and webhook integrations • Transaction lifecycle, history and audit trails • Admin dashboard with roles and permissions • Compliance reviews, risk flags, holds and approvals • Email/SMS/push notifications • Reporting, exports and analytics • French/English support with Arabic-ready architecture • Secure APIs, encryption, validation, logging and backups • Production deployment and documentation I understand that compliance is critical for this project, so the technical workflows can be structured around the client’s legal and regulatory requirements. 10+ years | 300+ projects | Laravel | Flutter | APIs | Payments | Fintech I’d be happy to discuss the KYC provider, payment providers and FX rate source before finalizing the architecture.
$750 CAD in 7 days
7.9
7.9

The biggest risk in this build is not the interface — it is making sure rates, fees, KYC rules, approvals, payment status, and audit logs stay consistent across website, iOS, Android, and admin. The clean way to do this is a shared backend with a single pricing engine and transaction engine, then customer-facing apps layered on top, so your MVP can launch quickly and still support later branch, cashier, and cash-in-person workflows. My background is in custom web systems where security, permissions, reporting, and operational control matter more than just design polish. For a regulated money-services product, I’d structure Phase 1 around secure auth, document/KYC handling, configurable compliance rules, webhook-based payment updates, and an admin dashboard that lets your team manage rates, reviews, limits, and reporting without code changes. I can also outline the recommended stack, database shape, third-party services, and phase split inside the first planning step. - Do you already have preferred KYC/AML and payment providers for the Canadian market? - Is French content/UI copy ready, or should we keep the system multilingual-ready and start with placeholders? - For MVP, do you need App Store/Play submission handled end to end, or only apps prepared and packaged for submission?
$250 CAD in 7 days
7.8
7.8

Hi, The riskiest part here is not the FX calculator, it's keeping web, iOS and Android on one pricing engine so a rate change never shows different numbers across channels, plus a full audit trail behind every status change and compliance decision. That drives the whole backend design, so I'd build the rate and transaction engines first, then wrap the apps around them as native React Native builds, not web shells. We built a two year web and mobile platform for a major MENA finance summit, handling backend and native apps together. ADFW: Abu Dhabi Finance Week platform We've also built a Canadian platform for Black entrepreneurs with an OpenAPI backend and role based access, close to the compliance and reporting structure you need here. One question: which KYC and Interac providers do you plan to use? That decides the day one integration work. We can start with a milestone for the shared backend and rate engine so you only release on working code. Adil
$415.90 CAD in 7 days
7.6
7.6

Hi there, Writing working Python code is easy; building a fast, scalable, and memory-efficient system that doesn't break under load is where most implementations fail. As a Senior Python Engineer, I engineer robust backend architectures, automation pipelines, and custom API systems built for long-term production use: • Modern Backend APIs: High-performance, asynchronous REST & GraphQL services using FastAPI, Django, or Flask. • Intelligent Automation & Scraping: Headless browser automation (Playwright/Selenium), robust data scrapers with rotating proxy/anti-bot bypass, and custom Celery/Redis worker queues. • AI & LLM Integrations: Seamless integration with OpenAI, LangChain, vector databases (Pinecone/Chroma), and automated data pipelines. • Database & Query Optimization: PostgreSQL, MongoDB, Redis caching, and Dockerized deployments designed for high throughput and zero bottlenecks. I write clean, PEP-8 compliant, fully documented code that your team can easily maintain and scale. Do you have a technical spec, repo, or API documentation ready? Drop me a message in chat, and let’s discuss the fastest way to execute this. Best regards, Deva | Senior Python & Backend Engineer
$500 CAD in 7 days
7.8
7.8

Hello!, This is James from Hollywood... I read your post carefully, and the real challenge here is building a bureau de change and money-transfer platform that feels professional, runs smoothly on web and mobile, and handles security, records, and transaction flow properly from day one. My approach would be: 1. Map the exchange, transfer, user roles, and admin flow 2. Build a secure backend/API with clean database design, rate handling, logs, and audit trail 3. Create a responsive UI for customers and operators 4. Test, refine, and deploy with proper validation and security checks I’ve worked on financial and transaction-based systems before, so I understand how important accuracy, trust, and a solid structure are. I pay close attention to details because in fintech, even small mistakes can create big problems. A few relevant examples: - a forex-style dashboard for a regional trading group - a payment wallet portal for a small remittance business - a multi-role admin system for currency pricing and settlements - a mobile booking/payment app with API-driven transactions Quick questions: 1. Will users request exchanges manually, or do you want live rates and auto-processing? 2. Do you need KYC or admin approval before transactions? 3. Should we start with web only, or web plus iOS/Android from the beginning? If you want, I can help you shape the MVP properly so you launch fast without cutting corners.
$650 CAD in 6 days
7.4
7.4

When building a fintech platform with complex requirements like yours, the underlying issue often lie in making sure a cohesive architecture that can adapt to regulatory changes and future expansions. I understand the importance of creating a solution that meets Canadian/Québec regulations while being flexible enough to support future physical locations and configurable compliance rules. To address your needs, I propose the following phases: Phase 1 — MVP Development: Build the core web and mobile apps with essential features. Phase 2 — Advanced Features: Implement advanced KYC/AML rules and additional payment integrations. Phase 3 — Physical Bureau Support: Integrate cash handling and branch management functionalities. I am committed to delivering a production-ready platform that meets all your specifications, including KYC/AML integration and a secure backend. I will make sure minimal disruption to your existing systems and data integrity throughout the process. What specific third-party services do you envision integrating for payments and KYC? Rajavel
$579 CAD in 7 days
7.3
7.3

Hello, With over a decade of industry experience, WellSpring Infotech is the ideal choice for your Bureau De Change project. Our mastery of web and mobile app development across multiple platforms, including iOS and Android, aligns perfectly with your vision for a unified fintech experience. We well understand the importance of a fast, modern UX, having built SEO-friendly public pages for past projects. Notably, our fluency in French primarily and English support will enable us to produce an architecture that is Arabic-ready just as you desire. As a regulation-savvy company, we're adept at developing secure portals with robust features. These include password resets with MFA/2FA capabilities, advanced KYC solutions utilizing ID document verification and selfie/liveness verification functions, reliable tracking mechanisms, full transaction history access, receipts download options as well as efficient SMS and email notifications. What's more? - Our systems have always successfully distinguished between customer types to even better enhance security. Lastly, you can confidently count on us to deliver the best KYC/AML/compliance supportive system with identities verified suitably using ID documents where required; flexible audit trails for demanding Canadian/Québec regulations!
$750 CAD in 7 days
7.9
7.9

Hello, Your bureau-de-change platform requires a carefully phased fintech foundation across web, iOS, Android, compliance, payments, and future branches. I would structure the MVP around a centralized API, shared FX and transaction engines, role-based administration, configurable KYC/AML workflows, immutable audit trails, and separate development, staging, and production environments. The key improvement I recommend is defining compliance, payment, and branch-channel boundaries in the domain model from day one, so Phase 2 and physical operations can be added without rebuilding core services. The proposal should also include a precise MVP scope, integration assumptions, hosting estimates, deployment documentation, and acceptance tests. Regards, Khursheed
$555 CAD in 9 days
7.0
7.0

Your MVP needs to prove something very specific: a customer can register, pass KYC, see the right FX calculation, pay, be reviewed when needed, and track the transaction end to end — while your internal team can control rates, holds, approvals, and audit history safely. If that workflow is not designed properly from day one, later adding branches, cash handling, and stricter AML rules becomes expensive, so I’d design the platform around transaction states, permissions, and compliance events first. I work on custom platforms rather than template builds, and this one clearly needs that approach. A solid path here is a web portal plus mobile apps connected to one secure API, with PostgreSQL for transactional data, structured audit logging, cloud document storage, sandbox KYC/payment integrations, and automated tests around the critical pricing, auth, and status-change flows. There’s enough detail here to start architecting, but a few choices will define the exact MVP boundary. - Do you want native mobile via React Native/Flutter, or are you open to my recommendation based on launch speed vs long-term maintenance? - Will branch/cashier/till features stay fully out of Phase 1, with only the architecture prepared for them? - Do you need WhatsApp notifications in MVP, or should we prioritize email/SMS/push first?
$250 CAD in 7 days
7.2
7.2

Hi, I went through your project details and understand what you're looking to achieve. I'd be interested in working with you on this. Based on the requirements you've shared, I can handle the project from start to completion while keeping the work aligned with your expectations, timeline, and desired outcome. My approach is straightforward: first, I'll make sure the requirements and expected deliverables are clear. Then I'll complete the work in structured stages, share progress along the way, incorporate your feedback, and deliver the final work after everything has been reviewed. Before we begin, I have a couple of questions about your requirements that will help me understand the scope more accurately. Feel free to message me so we can discuss the details and determine the best way to move forward. Best regards, Anum
$250 CAD in 1 day
6.8
6.8

Hi , As an accomplished developer with extensive experience in PHP (Laravel and CodeIgniter), I offer much more than just technical expertise - I bring reliability, adaptability, and an unrelenting commitment to quality. With your project requiring a comprehensive financial platform for bureau-de-change and money transfers, my familiarity with the intricacies of Laravel will enable me to tailor the project precisely to your needs, meeting the stringent regulations of a Canadian/Québec money-service business, including KYC/AML, transaction monitoring, audit trails, security, and reporting. In addition to this, my proficiency in React JS, NodeJs, Flutter, Angular JS and IONIC will ensure I can provide you with responsive interfaces that will excel both on web and mobile platforms - paying special attention to creating native experiences for your iOS and Android apps. To further optimize user experience for your French-speaking market while catering for English support and Arabic-ready architecture; my familiarity with jQuery paired with my design expertise in Bootstrap/Material Design adds an extra edge. Thanks
$500 CAD in 7 days
6.9
6.9

One rate engine must quote both the calculator and the real transfer, or the audit trail breaks. I'd build it first as one API for web and both apps, spreads and fees set in admin. Transactions run through your twelve statuses as a state machine, each change stamped with user or process. Compliance rules sit in configuration, the same kind of rules engine as a fintech demo I built, steady-stack.vercel.app. The apps go in React Native over the shared API, so they feel native rather than wrapped. The rate engine, admin rate screens and calculator make the first milestone, 3 weeks from start, released when it works. Have you picked a Canadian Interac provider yet, or is that choice part of the job?
$500 CAD in 7 days
6.9
6.9

Hi, I am Adeel. I lead PanaceaLogics, and we built Boostifai, a multi-tenant SaaS on C#, EF Core and SQL Server with subscription billing and real-time processing, plus ChamberOfCommerce, a large public platform on the same stack with secure accounts and reporting. That mix of compliance-style data handling and live-facing UX is close to what you need here. A platform like this is really phases, not one build. I would start with the customer web app, KYC flow and the centralized FX rate engine, then layer payments, compliance workflows and the admin dashboard, then mobile apps and branch features last. Which piece matters most for your first release, the web KYC and calculator flow or the mobile apps?
$250 CAD in 3 days
6.6
6.6

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