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OPERATED END TO ENDFINTECH · EV FINTECH LOAN ORIGINATION MOBILE

Revfin

Dual mobile apps that digitise EV lending end to end — borrowers complete eKYC and loan origination in minutes while dealers verify, disburse, and collect across co-lending banks.

115Weeks operated
10k+Hours of work
7Engineers

The brief

Build and scale a regulated mobile lending platform for Revfin's sustainable EV financing mission — enabling end-to-end digital loan origination for electric vehicle buyers (borrowers) and providing dealers/field agents with tools to originate, verify, disburse, and collect loans across multiple co-lending banking partners.

What we built

A full-stack fintech platform for Revfin, an EV-focused co-lending NBFC. Built from scratch or extended over 115 active weeks:

  • Revfin — borrower-facing iOS/Android loan origination app with eKYC, PAN/Aadhaar verification, AWS Face Liveness, psychometric assessment, multilingual support (Hindi/Gujarati/Telugu), digital consent, KFS/loan agreements, and multi-lender (Shivalik, Vivriti) co-lending flows
  • RevnU — dealer/agent iOS/Android operations app with field investigation, NACH upload, collection module, asset repossession, offline location tracking, partner/OEM switching, and rejection reason framework
  • A standalone vKYC microservice (VideoSDK replacing Twilio)
  • A dedicated Collection App
  • AWS-native backend infrastructure with SES email service, Teleport-secured DB access, multi-environment CodeDeploy pipelines, IoT tracker, OCR, DigiLocker/HyperVerge integration, PhonePe/EaseBuzz UPI Mandate, and VAPT-hardened security posture.
⊛ Live in production

Both Revfin (borrower app) and RevnU (agent app) are live on App Store and Google Play Store. Co-lending with Shivalik Bank went to production on 15 Jul 2025 after a 22-hour deployment window. Vivriti Capital integration is in QA/pre-production. VideoSDK-based vKYC microservice is deployed. Collection module is active in RevnU and a standalone Collection App is under active development. IDFY-based KYC and LTV feature are in stabilization as of Sep–Oct 2025. AWS Face Liveness, UPI Mandate, and PhonePe payment rail are live.

How it was built, phase by phase.

8 workstreams across 115 weeks of operated delivery

  1. (001)BUILDWeek 1 – Week 115

    Loan Origination & KYC Platform (Revfin App)

    Core borrower-facing mobile app (iOS + Android) covering the full loan origination journey: eligibility checks, PAN verification, Aadhaar/eKYC, psychometric assessments, document uploads, consent flows.

    ✓ Multi-lender, multilingual borrower app with biometric liveness, eKYC, psychometric scoring, digital consent.

    iOS (Swift)Android (Kotlin)LeegalityAWS AmplifyAWS RekognitionHyperVerge
  2. (002)BUILDWeek 1 – Week 115

    Agent/Field Operations App (RevnU)

    Dealer/agent-facing app (RevnU) enabling field agents to onboard borrowers, conduct field investigations (FI), manage collections, handle NACH uploads, run psychometric tests, capture vehicle invoices.

    ✓ Full-featured agent app with offline-capable location tracking, pagination, FI search, asset repossession, collection module.

    Android (Kotlin)iOS (Swift)Jetpack ComposeRoom DBSwiftUIFirebase
  3. (003)INTEGRATEWeek 2 – Week 8 (Jan–Mar 2024)

    IoT Vehicle Tracker Integration

    Extended period of IoT tracker development — integrating real-time vehicle telemetry/tracking for financed electric vehicles.

    ✓ IoT tracker integrated into mobile apps enabling real-time EV location monitoring for lender risk management.

    Node.jsiOSAndroidIoT SDK
  4. (004)BUILDWeek 2 – Week 6 (Jan–Feb 2024)

    OCR – Chassis/Motor Number & Document Scanning

    OCR engine for reading vehicle chassis and motor numbers from camera, as well as document OCR for identity verification. Demoed to client stakeholders and integrated across the loan origination workflow.

    ✓ Vehicle chassis/motor OCR scanning embedded in loan origination for EV identity verification and fraud reduction.

    iOSAndroidOCR SDK
  5. (005)INTEGRATEWeek 20 – Week 100 (Jul 2024 – Oct 2025)

    Payment Infrastructure: e-NACH, UPI Mandate & PhonePe

    Build-out of automated repayment mandate infrastructure including e-NACH, physical NACH upload fallback, UPI Mandate via EaseBuzz, and PhonePe payment processing.

    ✓ Multi-channel repayment mandate system covering e-NACH, physical NACH fallback, and UPI Mandate — reducing manual collection effort.

    Node.jsEaseBuzzPhonePe SDKAWS LambdaAndroidiOS
  6. (006)BUILDWeek 28 – Week 50 (Oct 2024 – Jan 2025)

    Field Investigation (FI) & Rejection Reason Module

    Structured field investigation workflow for agent-side verification of borrower premises/assets, with pagination, search, partner-code filtering.

    ✓ Reusable rejection reason component deployed across all loan stages; FI module with paginated, searchable loan list and partner-code filtering.

    Android (Kotlin)iOS (Swift)Node.jsMongoDB
  7. (007)BUILDWeek 30 – Week 90 (Sep 2024 – Jul 2025)

    Co-Lending Multi-Lender Architecture

    Major multi-month feature enabling Revfin to operate as a co-lending platform with multiple lending partners (e.g., Shivalik Bank).

    ✓ Production-deployed co-lending infrastructure allowing Revfin to route loans through multiple banking partners simultaneously with lender-specific.

    Node.jsMongoDBAWSAndroidiOSAWS CodeDeploy
  8. (008)INTEGRATEWeek 90 – Week 102 (May–Jul 2025)

    Vivriti Lender Integration & DigiLocker

    Integration of Vivriti Capital as a new lending partner with DigiLocker-based Aadhaar fetching via HyperVerge, webhook callbacks, backend service deployment, and full end-to-end flow testing across iOS and Android.

    ✓ Vivriti Capital live as a co-lending partner with government-grade Aadhaar verification via DigiLocker.

    Node.jsHyperVergeDigiLocker APIAWS LambdaiOS (Swift)Android (Kotlin)

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