Installment sales without the paper contract pile
Sellers issue installment plans from a phone; schedules, debts and reminders track themselves.
- Nasiya Bro
- Fintech, year 2025
- Status
- Backend in production; iOS v1.2.4 submitted to the App Store
- modules in the seller app
- 7
- modules in the seller app
- apps: mobile, admin, API
- 3
- apps: mobile, admin, API
Problem
Shops selling on installment tracked schedules in paper notebooks. Missed payments surfaced late, and the owner had no picture of total outstanding debt across sellers.
What we did
- Shipped a mobile app with a guided installment wizard: client, product, term — and the schedule is generated on the spot.
- Centralised clients, inventory, sales and reports in one API, with an admin panel for the owner.
- Added push reminders for upcoming and overdue payments, for both the seller and the office.
Result
Every active plan, payment and debt is visible in real time. The owner reads one report instead of collecting notebooks, and the app is in production with the chain.
Modules
- Moderated onboardingNew accounts wait in PENDING until an admin approves — fraud prevention built into sign-up.
- Installment wizardFive persisted steps (client, product, terms, documents, review); the draft survives restarts; schedule and partial payments on one screen.
- Auto-loans verticalA separate flow for car financing sharing the same transaction journal.
- Inventory with cost visibilityIMEI tracking; a per-user flag hides purchase prices from sellers at the column level.
- Clients and documentsPassport and agreement capture, compressed on device; strict shop-level client isolation.
- Admin with audit logRoles, shops, trials, subscription extension, activity stats; every admin action logged and visible in-app; daily cron deactivates expired subscriptions.
- NotificationsExpo Push with stored tokens, delivery history and per-user preferences in three languages.
Technology
FastAPI, PostgreSQL, React Native, React
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