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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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47 freelancers are bidding on average $423 CAD for this job

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 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

Greetings, I fully understand the comprehensive requirements for your Bureau De Change Platform project, emphasizing a unified fintech experience with robust KYC/AML, transaction monitoring, and compliance features tailored for the Canadian market. The goal is to deliver a responsive website, iOS, and Android apps with a seamless user experience in multiple languages. Our execution approach involves structured requirement confirmation, controlled planning, clean implementation, rigorous testing, and milestone-based transparency to ensure the project's success. With a strong background in PHP, Mobile App Development, Web Development, and Database Management, we are well-equipped to deliver reliable results aligned with your business objectives. Please find our portfolio here: ⭐ https://www.freelancer.com/u/anaskhanpk95 To clarify further and finalize the scope smoothly, could you please share your top priority or key business goal for this project? Let's discuss this in an open chat. Best regards, Muhammad Anas Khan
$350 CAD in 4 days
8.0
8.0

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

As an accomplished software development company, Web Crest has extensive experience in building complex, scalable solutions for various industries, including FinTech. We possess the technical proficiency and business-focused approach required to create a unified platform like yours. Our skills in web and mobile app development (including Android), API designs, and financial technologies perfectly align with your project's intricate requirements. One of our notable strengths is our knack for delivering secure, high-performing platforms that meet meticulous regulatory and compliance standards. Having worked on projects with similar stringent regulations, I thoroughly understand the importance of robust KYC/AML systems, transaction monitoring, audit trails, and reporting. We can build a platform equipped to handle Canadian/Québec money-services business regulation efficiently while also futuristically incorporating physical bureau-de-change locations and cash transactions. Moreover, what sets us apart is not just our technical skills but also our commitment to providing long-term technical support to our clients. We believe in building lasting relationships by being there whenever you need us. By choosing Web Crest, you're not only gaining access to skilled professionals but also a reliable partner who'll be dedicated to bringing your vision of a coherent fintech experience to life. Let's connect and start building something exceptional together!
$300 CAD in 3 days
5.5
5.5

Your bureau-de-change platform requires more than separate apps: it needs one secure, auditable fintech foundation connecting web, iOS, Android, FX pricing, payments, KYC/AML, compliance operations, and future branch workflows. I can help shape a production-ready, API-first architecture with a shared backend, role-based admin dashboard, centralized rate and transaction engines, secure document handling, configurable compliance rules, payment webhooks, notifications, reporting, and deployment environments. The design will keep online and physical transactions unified while clearly identifying their channels. A practical MVP approach is to establish the compliance, transaction, pricing, and permission models first, then build web and mobile experiences against stable APIs. I would also recommend sandbox integrations and automated tests for every money-moving workflow before production release. I can provide the requested stack recommendation, database design, phased scope, third-party requirements, infrastructure plan, and realistic implementation roadmap. Regards, Muhammad
$555 CAD in 7 days
5.1
5.1

Hi, I’ll build a unified bureau-de-change platform with live FX, secure customer onboarding, KYC/AML workflows, transaction tracking, and an admin console for rates, approvals, and reporting. The main technical concern is keeping web, iOS, Android, payments, and compliance perfectly in sync, so I’ll use one API-first backend, centralized rate engine, and full audit logging. I recently built a regulated fintech workflow with role-based access, document upload, webhook-driven payment status, and configurable review queues. For your project, I’d start with the data model and compliance states, then implement the customer portal, calculator, transaction engine, and mobile apps with testing and deployment docs. Would you like me to recommend the best stack for a Québec-ready MVP first? Best regards, NexLoom
$250 CAD in 2 days
5.3
5.3

Hello, I checked your project "Bureau De Change Platform" and already have a clear understanding of your requirements and how to deliver them efficiently. I have solid experience in PHP, Mobile App Development, Web Development, API Development, and I've successfully completed similar projects by delivering high-quality, scalable, and reliable solutions. Why choose me? * Strong expertise in PHP, Mobile App Development, Web Development, API Development * Clean, optimized, and scalable implementation * Fast communication and regular progress updates * Focused on delivering results, not just completing the task I'm ready to start immediately and would be happy to discuss the details. Best regards, Umer
$250 CAD in 1 day
4.5
4.5

Hey! I can handle building a complete, professional bureau-de-change and money-transfer platform with responsive web and mobile apps for iPhone and Android. I recently developed a FinTech app that involved secure API integration, database design, and cloud deployment, ensuring smooth transactions and user-friendly interfaces. How I would approach your project: 1. Requirements: Clarify key features like currency exchange rates, transfer limits, KYC, and security protocols. 2. Architecture: Design a scalable backend with secure APIs and a responsive frontend for all devices. 3. Development: Build and test core modules including user registration, wallet management, transaction processing, and admin dashboard. 4. Cloud Setup: Deploy on a reliable cloud platform with proper data encryption and backups. 5. Testing & Launch: Conduct thorough QA and user acceptance testing before going live. Could you share more details about your preferred tech stack or any existing systems to integrate? Aakash P.S. I’m happy to discuss your project scope and timeline anytime, just send a message!
$250 CAD in 14 days
4.5
4.5

The KYC and exchange-rate feed pieces are usually where these platforms fall apart, not the UI. I would build the app in Flutter for iOS and Android, PHP and MySQL on the backend, with a proper API layer for live rates and transaction logging. Roughly 3 weeks for a working version. These figures are based on the post as written, we will lock in real numbers once we talk through compliance and payment gateway requirements. I can start today. Want to jump on a quick call?
$450 CAD in 21 days
4.0
4.0

Hello, I reviewed the requirements and the core challenge is building one secure fintech architecture that keeps FX pricing, KYC/AML, payments, transactions, compliance, and reporting consistent across web, iOS, Android, and future physical branches. I would structure this around a centralized API first backend with role based access, auditable transaction states, configurable FX rules, secure document handling, webhook driven payments, and a shared data layer that allows future branch and cash operations without rebuilding the platform. I have worked on complex web and mobile platforms involving secure authentication, payment workflows, admin dashboards, APIs, and scalable architectures and can share relevant examples once we connect in chat. Also a quick question, which Canadian payment and KYC providers have you already selected, or should the MVP architecture be designed around provider agnostic integrations from the outset? Best Regards, Gridmith Ltd
$500 CAD in 7 days
4.0
4.0

Hi, Before touching any code I'd need to see your compliance requirements from FINTRAC and Revenu Québec, whichever payment and Interac providers you already have relationships with, and which KYC/liveness vendor you want to use, since that shapes the whole data model. Odds are the KYC and compliance rules are the piece that'll need the most planning, since Quebec's language and reporting rules aren't optional extras, they're baked into how things get built. For the build itself, I'd set up one backend with a shared FX and pricing engine, and build the web app plus native iOS and Android apps on top of it so calculator, transfers, and admin all pull from the same rates. Compliance holds, audit trails, and role permissions get built in from day one, not bolted on later. I've worked on regulated payment flows before, and getting the transaction status history airtight is the part I actually enjoy. MVP with web, apps, KYC, live rates, payments, and admin dashboard is realistic in 2 days. Physical branch features come after, but the architecture will be ready for it. Which KYC provider are you leaning toward? That changes the integration work quite a bit. Best, Emrah
$450 CAD in 2 days
3.2
3.2

Hello, I can assist right away. I understand the main goals and will ensure the final result that matches your expectations. I am an experienced and specialized freelancer with 10+ years of practical experience in PHP, Mobile App Development, iPhone, Android, Web Development, API Development. Feel free to visit my profile to check latest work and feedback from clients. I would love to connect in chat to discuss details. Talk soon, Olusoji
$250 CAD in 7 days
1.7
1.7

Hello, As a multi-talented professional with a strong technical background and proven expertise in turning ambitious ideas into tangible, high-converting products, I believe I am the ideal fit for your Bureau de Change project. My full-stack development skills coupled with my deep understanding of web architecture, database management, mobile app development, and more will ensure that your Bureau de Change platform is not only functional but also secure and future-proof. The Bureau de Change platform you're aiming for faces complex fintech regulatory challenges which I am well-equipped to handle. Having created several compliant platforms for different verticals in the past, I understand the significance of strong KYC/AML processes, transaction monitoring capabilities, comprehensive audit trails, robust security measures, and seamless reporting systems in regulated environments like yours. My unique approach to designing all-encompassing experiences will also be advantageous for your project. A bureau-de-change solution must cater to diverse needs - from live FX rates provision to secure transfers - both via web and mobile platforms. Being proficient in Android, iOS as well as web development and having a solid understanding of SEO friendly designs ensures that you’ll have native-feel apps and a sleek, responsive website that benefit your users. Let me bring robustness to your platform while creatively engaging the end-user's journey Thanks!
$250 CAD in 4 days
1.2
1.2

⭐⭐⭐Hello⭐⭐⭐ I’m excited about the opportunity to create a complete bureau-de-change and money-transfer platform tailored for Canadian regulations, ensuring strong KYC/AML compliance, real-time transaction tracking, and customer notifications. This project aligns perfectly with my skills in developing responsive web and mobile applications using a secure API-first architecture. I can deliver the MVP efficiently while laying a strong foundation for future features. The project involves building a user-friendly website and iOS/Android apps that allow customers to manage their accounts, view live FX rates, and complete KYC processes seamlessly. I aim to ensure a scalable solution that integrates smoothly with payment providers and future physical locations. I look forward to connecting with you as we work towards launching this vital platform. Best wishes, Sararudin
$500 CAD in 7 days
1.2
1.2

Hello, I am Farhan Sial, a seasoned professional with 5 years of experience in Web Development and Mobile App Development. I have successfully completed projects similar to your Bureau De Change Platform, ensuring a seamless and secure fintech experience for users. I understand the complexity and importance of your project requirements. By developing a responsive website and native iOS and Android apps, I will provide a unified platform for customers to view live FX rates, conduct transactions, complete KYC, and receive real-time notifications. I will prioritize strong KYC/AML measures, transaction monitoring, security, and compliance with Canadian/Québec regulations. I am committed to maintaining effective communication throughout the project and am eager to collaborate with you. I look forward to the opportunity to discuss your project further. Regards, Farhan Sial
$250 CAD in 7 days
0.0
0.0

Your calculator and your real transactions have to price from one rate engine, so that is where I would start. My team built a hospital platform with approval workflows and a right-to-left Arabic interface, and a time-tracking platform with multi-currency billing. First I would build the rate engine with admin controls for rates, spreads and fees and an audit log behind it, so a rate change needs no code. Which KYC and payment providers do you already have accounts with, if any? Once I know that, we can agree the exact MVP scope together. Sela
$500 CAD in 7 days
0.0
0.0

✨ This project immediately caught my attention because it matches my experience closely, and I’d be happy to bring that expertise to your project.✨ Hello, I'm a senior full stack engineer. I have hands-on experience across the full scope of this work, including PHP, Mobile App Development, iPhone, Android, Cloud Computing, and Web Development: 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,. I have delivered similar PHP, Mobile App Development, iPhone, Android, Cloud Computing, and Web Development projects and I will follow your brief. I will build a shared API-first platform with a centralized FX, The web portal, native-feeling mobile apps, and admin dashboard will use secure role-based access, MFA, encrypted document storage, configurable compliance rules, audit trails, and webhook-driven status updates. I will design the database and permissions for customers, beneficiaries, branches, cashiers, and compliance teams, while keeping the foundation ready for physical bureau operations. I'm ready to start work immediately. Best Regards,
$500 CAD in 7 days
0.0
0.0

Laval, Canada
Member since Sep 30, 2026
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