Kreb — Open Banking (upcoming)
An upcoming open-banking app for businesses and consumers, built to fintech-grade engineering rules — and the product I represent as brand ambassador.
- Role
- Brand ambassador
- Team
- XEOO team
- Timeline
- Jul 2026 – Ongoing
- Organisation
- Kreb (XEOO)
- Code
- Proprietary (employer)
- Reading time
- 1 min
Kreb brings banking, payments, billing and financial management into mobile apps for merchants and consumers. The XEOO team is building it with Flutter on Clean Architecture over a microservice backend; I am its brand ambassador.
Overview
Kreb is an upcoming open-banking app from the XEOO team. Kreb Business, the merchant app, is in active development, with a consumer app to follow. As brand ambassador I represent Kreb ahead of its launch.
The problem
Moving money is the one place where "move fast and break things" is unacceptable: a crash mid-transfer must never lose or duplicate funds, every action must be auditable, and customer data must never leak.
Context & constraints
Kreb is designed for launch under strict regulatory thresholds, including PCI-DSS and Bangladesh Bank's cyber-security guidelines.
Approach
The team works to a written engineering charter. Highlights:
- Zero financial drift — an append-only ledger: monetary entries are never edited or deleted, only offset.
- Sagas for distributed transfers — every multi-step transfer has a compensating path that reverts state if a step fails.
- Strict idempotency — every payment carries a client-generated key, so network retries can't double-charge.
- One microservice, one responsibility, one database — failures stay isolated, with circuit breakers between services.
- Security in depth — encryption at rest and in transit with certificate pinning, hardware-backed biometrics with secure storage, and audit logs of who did what, and when.
- Day-zero disaster recovery — backups and failover exist before production, not after.
Key capabilities
- Mobile banking and payments for merchants
- Billing and financial management
- Biometric sign-in with secure storage
- Append-only ledger with idempotent payments
- Consumer app to follow
Architecture
Mobile app
Backend
Platform
A Clean-Architecture Flutter app talks through a backend-for-frontend to isolated microservices, each with its own database. Select a component to trace its connections.
Quality & delivery
Testing
Every feature is tested on small and medium phone emulators in portrait and both landscape orientations before a pull request is opened.
Outcome
In development ahead of launch.
Building something similar?
Tell me what you’re working on — I reply to every serious message.
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- +9