mMoney | Jason Als

A full-stack financial services platform that powers digital wallets, merchant payments, kiosk cash operations, and compliance workflows across web and mobile.

mMoney is a comprehensive fintech ecosystem built to handle real-world money movement with strong reliability, auditability, and modular scale. The platform is structured as a multi-app Elixir umbrella with domain-specific services and companion Flutter clients, enabling fast product iteration without sacrificing operational safety.

Core Features:

Wallet Operations: Consumer wallet flows for transfers, deposits, withdrawals, and balance visibility
Merchant Tools: Merchant-side flows for payment operations, account management, and transaction lifecycle control
Kiosk/ATM Workflows: Cash-in/cash-out support with denomination handling and transaction state tracking
Compliance & KYC: Multi-level verification, risk scoring, and policy-driven controls integrated into transaction flows
Ledger Integrity: Structured debit/credit handling with clear references and traceable status transitions
Operational Ticketing: Internal ticket-based workflows for approvals, audits, and controlled transaction execution
Cross-Platform Delivery: Flutter clients paired with Phoenix services for consistent product behavior across interfaces
Modular Architecture: Domain-separated OTP applications for safer deployments, clearer ownership, and long-term scalability

Technical Stack:

Backend: Elixir, Phoenix, LiveView, PostgreSQL, OTP umbrella architecture
Mobile: Flutter, Riverpod, generated providers/models
Operations: Role-aware web interfaces, internal workflows, and audit-friendly transaction handling
Engineering Focus: Fault tolerance, consistency guarantees, and production-grade maintainability

The platform solves a hard problem: unifying wallet, merchant, kiosk, and compliance concerns in one coherent system. By separating domains cleanly while preserving end-to-end transaction integrity, mMoney supports both product velocity and operational trust.