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Sayfitech
Consumer fintech

Aurel

One balance, forty-one currencies

Aurel: One balance, forty-one currencies

Client identities and brand marks are anonymised. Names, logos and interfaces shown are not real companies or real projects.

Sector
Consumer fintech
Location
Dubai, UAE
Year
2026
Kickoff to production
24 weeks
01Overview

A multi-currency account for people paid in one currency and living in another: one balance, the rate they were quoted, and no fee that arrives later.

02The problem

Aurel launched with a wallet per currency. A customer holding four currencies had four balances, four histories and no idea what they were worth together. Conversions quoted one rate and settled at another, and the difference surfaced on a statement days later.

03What we built
01

One ledger, many currencies

The account is a single double-entry ledger with a currency dimension. Balances, conversions and card charges are entries in one history rather than transfers between wallets.

02

The quoted rate is the settled rate

A quote is a held commitment with the fee shown as its own line before the customer confirms. If the market moves inside the hold, Aurel absorbs it and the treasury desk sees that exposure live.

03

Insight nobody asked for

Spending is categorised on the device and compared with the same month last year. The summary names the two things that actually changed, in Arabic or English, in one sentence each.

04The result

Customers stopped keeping a second app for conversions and support stopped explaining arithmetic. Multi-currency balances became the default rather than a workaround.

What changed

Currencies on one balance
41
At conversion
Quoted rate
After the fact
No surprise fees
Stack
  • React Native
  • Go
  • Postgres
  • Temporal
  • Grafana
Disciplines applied
Next step

Tell us what's slowing you down.

Fifteen questions, one screen at a time, and a verdict at the end. No call needed to get it.

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