Fintech · CobrosWAP
An account-to-account payments platform for Uruguayan businesses
We built and ran a fintech platform from zero: business payments between bank accounts, reconciliation tooling and an operations console — product, infrastructure and security in one hand.
Bank-to-bank A2A flows
End-to-end product ownership
Live in production
The challenge
What was actually broken
Small businesses collected payments through transfers nobody could reconcile. Building the fix meant open-banking integration, security work and an operations interface that non-technical staff could use daily.
- Client
- CobrosWAP
- Industry
- Fintech
- Duration
- 2022 – 2025
- Team
- Founder-led
- Stack
- Next.jsTypeScriptFirebaseTailwind CSSOpen banking API
What we did
The approach
- Integrated open-banking APIs to initiate and reconcile account-to-account payments
- Designed the product architecture, database model and security protocols
- Built the customer-facing app and the internal operations console
- Owned infrastructure, releases and code quality end to end
What changed
The results
A2A payment flows live for Uruguayan businesses
Reconciliation moved from spreadsheets into the product
Operational console used daily by non-technical staff
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