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Fintech · Founding Engineering

EB1

A crypto-backed card, semi-custodial wallets, a token economy and a luxury concierge operation — built as one system, by one accountable owner.

Role
Founding Engineer · Architecture, Backend, Mobile, Contracts, Infra, Security
Years
2025 — Present
Links
eb1.io

Context

EB1 needed real financial rails rather than a wrapper over someone else's dashboard: its own wallets, its own cards, its own verification, and an operations layer non-engineers could run day to day.

Problem

Consumer-grade mobile experience with bank-grade controls — verification, device trust, card lifecycle, a token economy and an operations platform — with no existing team to divide the work between.

Architecture

  • React Native / Expo client for iOS and Android over a shared domain model.
  • NestJS API on PostgreSQL as the single source of truth.
  • Semi-custodial wallet design, with custody boundaries made explicit in the product rather than hidden.
  • Three separate operator interfaces — dashboard, manager and CMS — over the same model with role-based access control.
  • Provider integrations isolated behind internal service boundaries: KYC, card issuance, notifications, email.

What I built

  • Production backend: JWT authentication with 2FA, device fingerprinting, biometric integration, Sumsub KYC, card issuance, Expo push notifications and email, with comprehensive rate limiting and security controls.
  • Native mobile app: real-time multi-asset crypto and fiat wallet management, digital card operations (freeze/unfreeze, top-up, withdrawal), live document KYC, passkey authentication and deep linking — released to both app stores.
  • Solidity contracts: ERC-20, multi-stage presale with EIP-712 signatures, Chainlink ETH/USD feeds, two-sided referrals and staking — hardened for third-party audit with slippage and MEV protection, stablecoin depeg circuit breakers and exact-accounting refunds.
  • Presale dashboard in Next.js with Wagmi/Viem and SIWE.
  • Concierge request lifecycle across mobile, API and three admin interfaces: dynamic form builders, status workflows, agent assignment, invoicing, broadcasts, invitation codes and RBAC.
  • Platform-wide security remediation closing cross-user card and transaction access paths.

Technology

React NativeExpoNestJSPostgreSQLSolidityNext.jsWagmi / ViemSumsub

Hard parts

  • Closing cross-user access paths on live card and transaction data without disrupting customers already using the product.
  • Writing contracts that would survive a third-party audit — depeg circuit breakers and exact-accounting refunds are cheap to specify and expensive to retrofit.
  • Keeping authentication strict without making onboarding hostile.
  • Owning six systems at once and keeping the seams between them honest.

Outcome

A crypto-backed card and wallet product live on iOS and Android, with the backend, contracts, token economy and three operator platforms running behind it — and a hardened security posture after a platform-wide remediation.

Contact

Tell me what you're building — and what's blocking it.

If the problem sits somewhere between financial infrastructure, product and engineering, there's a good chance I can help.

Open to

  • Architecture Sprint
  • Launch Sprint
  • Fractional Fintech Lead
  • Speaking & Podcast

Based in

UAE, Armenia, Hong Kong SAR

Book an intro call

30 min · video

Prefer to write first? armmamyan@gmail.com