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Product & Trust Engineering
Orbit Financial
A Bank That Answers in the Time of a Thumbprint
Native iOS and Android banking with biometric onboarding, virtual cards, and settlements that stay responsive when the network does not.
React NativeTypeScriptPlaidNode.js
Onboarding time
Session uptime
The Challenge
What was already failing
Onboarding asked for the same document twice, the card screen stalled on a weak connection, and the rating in the stores reflected the wait, not the product.
The Solution
Identity first, then a sealed session, then a card the customer can use before the branch would have opened.
01 // edge
Identity at the edge
Biometric KYC resolves beside the device. The application does not upload a document and hope.
- Biometric·Pass
- Document·Local
- Decision·<42s
02 // guard
Session guard
Each account is a tenant of one. Tokens expire, and a failed check never opens a second balance.
- Token·Expiring
- Balance·Sealed
- Fail·Hard stop
03 // checkout
Card in hand
Virtual issuance and a settlement state the customer can read without a spinner.
- Card·Issued
- Settle·Readable
- Network·Blink-safe
Edge
Identity at the edge
BiometricPassBeside device
DocumentLocalNo upload hope
Decision<42sSignup finish
Guard
Session guard
OKSealed
Token
Expiring
Short lived
Balance
Sealed
No leak
Fail
Hard stop
No second account
Checkout
Card in hand
Card
Issued
Settle
Readable
Network: Blink-safe · State held
The Solution
Identity first, then a sealed session, then a card the customer can use before the branch would have opened.
01 // edge
Identity at the edge
Biometric KYC resolves beside the device. The application does not upload a document and hope.
- Biometric·Pass
- Document·Local
- Decision·<42s
Edge
Identity at the edge
BiometricPassBeside device
DocumentLocalNo upload hope
Decision<42sSignup finish
02 // guard
Session guard
Each account is a tenant of one. Tokens expire, and a failed check never opens a second balance.
- Token·Expiring
- Balance·Sealed
- Fail·Hard stop
Guard
Session guard
OKSealed
Token
Expiring
Short lived
Balance
Sealed
No leak
Fail
Hard stop
No second account
03 // checkout
Card in hand
Virtual issuance and a settlement state the customer can read without a spinner.
- Card·Issued
- Settle·Readable
- Network·Blink-safe
Checkout
Card in hand
Card
Issued
Settle
Readable
Network: Blink-safe · State held
Key Capabilities
What the system is trusted to do
01
Biometric onboarding
KYC completes on the device. The customer is not sent to a desktop to finish a phone app.
02
One-account guard
Session tokens and balance reads are checked before they cross an account boundary.
03
Virtual card, immediately
Issuance and micro-settlements stay on screen, including when the network blinks.
Architecture
How the pieces connect
Engineered With
- React Native
- TypeScript
- Plaid
- Node.js
Results and Impact
The stores settled at 4.9. Onboarding no longer abandons people between the selfie and the first transfer.
- Store rating settled at 4.9
- Onboarding finishes on-device in under 42 seconds
- Virtual card stays readable when the network blinks
4.9
Store rating
<42s
Onboarding time
99.95%
Session uptime
App · Orbit Financial
Native iOS and Android banking with biometric onboarding, virtual cards, and settlements that stay responsive when the network does not.
“People finish signup on the bus. That was the brief.”
Start
A system with a number you can defend.
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