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The project in one sentence MySikaGold is building the digital equivalent of an investment bank focused on gold, allowing customers to buy, own, monitor, and eventually redeem physical gold through a secure, regulated investment platform. What problem is MySikaGold solving? Today, buying investment-grade gold is difficult for most people because it usually requires: Large amounts of money Visiting dealers Trusting physical storage Manual paperwork Limited transparency MySikaGold solves this by allowing someone to invest as little as the minimum investment into professionally managed gold funds through a mobile application while the actual gold is held under regulated custody. The vision Think of the platform as combining: MTN MoMo Fidelity Mutual Funds Gold ETF investing Mobile Banking Treasury investment Digital Wallet into one application. Instead of buying shares, users buy fractions of real gold. Who will use the platform? The RFP shows that this platform serves many different stakeholders—not only investors. These include: 1. Retail Investors The main mobile app users. They should be able to: Register Verify identity Buy gold View portfolio Monitor investment growth Receive statements Sell gold Redeem physical gold 2. Diaspora Investors People outside Ghana should be able to: Register remotely Complete international KYC Pay with cards Invest in Ghanaian gold 3. African Investors Investors from other African countries will invest using PAPSS. 4. Fund Managers They control: NAV Pricing Fund approvals Investment management 5. Trustees They independently verify transactions and approve large redemptions. 6. GoldBod Responsible for: Gold supply Gold verification Gold custody records 7. Regulators Including: SEC Ghana Financial Intelligence Centre (FIC) NPRA They receive compliance reports automatically. What does an investor experience? A customer journey looks like this: Download the MySikaGold app. Register an account. Verify identity using Ghana Card and SmileID. Set up a PIN. Choose a gold fund. View today's live gold price (NAV). Deposit money using MoMo or GhanaPay. Purchase fractional gold. Receive confirmation and a digital receipt. Watch the investment grow over time. Receive monthly statements. Later sell or redeem gold when those features are enabled. Phase 1 (Pilot) The Phase 1 Prompt Pack builds the first working version for approximately the first 1,000 investors. It includes: Mobile app Investor registration Login PIN authentication Identity verification Live gold pricing Investor dashboard MoMo payments GhanaPay payments Receipt generation NAV calculation engine Backend APIs PostgreSQL database Deployment on PAIX Accra infrastructure At the end of Phase 1, a real investor should be able to register, verify identity, see live gold prices, and buy gold through the mobile app. Phase 2 (Production) Phase 2 transforms the pilot into a fully commercial platform by adding: Flutterwave PAPSS GhIPSS Direct Debit AML screening Anti-money laundering engine USSD Web investor portal WhatsApp notifications Fund Manager portal Trustee portal GoldBod portal Regulatory reporting Stronger security High-availability infrastructure Full production deployment The technology stack The solution uses modern technologies including: Frontend React Native (Expo) [login to view URL] Backend NestJS Database PostgreSQL Infrastructure Docker Cloudflare PAIX Data Centre Redis MinIO Vault Integrations SmileID Hubtel GhanaPay GhIPSS Mailgun Metals API Flutterwave PAPSS The business objective The platform is not simply storing money. It is managing regulated gold investment funds. Three funds are defined: SGAF – Sika Gold Accumulation Fund SGD – SikaGold Diaspora Fund SAF – SikaGold Africa Fund What success looks like When the project is complete: Investors can safely invest in gold from anywhere. Every investment is verified. Payments reconcile automatically. Gold holdings are tracked accurately. Daily NAV is calculated automatically. Statements are generated automatically. Regulators receive required reports. Fund managers and trustees oversee operations through dedicated portals. The platform is secure, scalable, and ready for commercial launch. My assessment This is an enterprise-scale financial platform, comparable in complexity to building: a digital bank, a mutual fund management system, a payment gateway, a regulatory reporting system, and a mobile investment application, all integrated into one ecosystem. The accompanying Requirements Traceability Matrix is intended to ensure that every requirement in the RFP is covered by the Phase 1 and Phase 2 prompt packs before launch.
Project ID: 40617878
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173 freelancers are bidding on average $2,024 USD for this job

⚫⚫ FINTECH & INVESTMENT PLATFORM DEVELOPMENT EXPERT Hi there, ✋ Based on your requirements, this is a highly sophisticated fintech ecosystem that combines digital investments, payment processing, fund management, regulatory compliance, and mobile banking-like functionality into a single platform. I would be excited to help architect and develop MySikaGold with a strong focus on security, scalability, and regulatory compliance. ⭕ Do you already have the complete RFP, RTM, and wireframes available for review? ⭕ Will Phase 1 focus only on Ghana-based investors, or should diaspora workflows be included from the start? ⭕ Are there any regulatory approval timelines that need to be aligned with the development roadmap? ✅ My approach would be to deliver a robust Phase 1 MVP first (Investor App + KYC + Payments + NAV Engine), ensuring a solid foundation for the larger Phase 2 ecosystem involving AML, PAPSS, regulatory portals, and high-availability infrastructure. Let's discuss the RFP, implementation roadmap, milestones, and timeline in detail. Thank you.
$500 USD in 7 days
10.0
10.0

Hi, I saw your JD and having 12+ years of experience in fintech, digital banking, investment platforms, and secure financial application development. I understand you need an enterprise-grade gold investment ecosystem where retail, diaspora, and African investors can securely register, complete KYC, invest in fractional gold, monitor portfolios, and manage transactions, while fund managers, trustees, GoldBod, and regulators operate through dedicated portals with automated compliance and reporting. Key Features: * Investor App * KYC Verification * Gold Portfolio * Live NAV * MoMo Payments * GhanaPay * Fund Management * Trustee Portal * GoldBod Portal * Regulatory Reports * Payment Reconciliation * Receipt Generation * Admin Dashboard * Role Management * Audit Logs * Secure APIs Let’s chat.. Thanks
$540 USD in 12 days
9.9
9.9

As the leader of a seasoned and acclaimed development enterprise, I firmly believe CnELIndia is uniquely positioned to bring your vision for MySikaGold to fruition. With 18 years of experience under our belts, handling diverse technologies and domains, we've consistently displayed our ability to navigate complex projects like yours with ease and utmost proficiency. We have a proven track record of successfully delivering projects within strict timelines while staying mindful of cost constraints. Specifically, our expertise in PHP, WordPress, WooCommerce, and data scraping blended with our particular capabilities in React Native make us well-suited for this undertaking. Our solid tech stack also includes PostgreSQL, which aligns with your database requirement. But beyond just technical expertise, our approach is driven by innovation and manifesting your vision effectively. We understand that your platform is more than just an investment tool; it's an entire ecosystem bringing together various stakeholders securely and seamlessly. This holistic perspective paired with our commitment to excellence makes us your best choice for the MySikaGold project.
$500 USD in 7 days
9.0
9.0

Hello there, I will deliver your MySikaGold Phase 1 pilot: React Native (Expo) mobile app with SmileID identity verification, live NAV pricing via Metals API, MoMo and GhanaPay payment flows, and a NestJS backend on PostgreSQL deployed to PAIX Accra. On a recent financial platform build, setting up automated payment reconciliation from day one eliminated manual errors before the first 500 users even onboarded. Questions: 1) Do you already have API credentials for SmileID and Hubtel, or will those need to be arranged during development? 2) Is the NAV calculation based on London Fix pricing, or does GoldBod supply a separate rate? Share the full RFP and I will map every Phase 1 requirement to a delivery timeline this week. Looking forward to your response. Best regards, Kamran
$284 USD in 10 days
8.7
8.7

Hi Sir, We have extensive experience building Real World Asset (RWA) solutions, including platforms for asset tokenization, digital ownership, secure investment management, and enterprise-grade financial applications. Your vision for MySikaGold aligns closely with the type of regulated asset platforms our team has delivered. First, we would analyze your Phase 1 and Phase 2 requirements, define the complete system architecture, and design a secure, scalable platform for investor onboarding, KYC, gold fund management, NAV calculation, payment integrations, and regulatory compliance. We focus on building a solution that is production-ready from day one. Then, our team would develop the complete ecosystem, including the investor mobile application, backend APIs, payment integrations, fund management workflows, trustee and regulator portals, reporting, and all required security measures. If your long-term roadmap includes RWA tokenization, we also have expertise in blockchain-based asset tokenization and can design the platform to support future on-chain expansion. After that, we would conduct comprehensive testing, security validation, deployment, and post-launch support to ensure the platform performs reliably under real-world usage while meeting enterprise security and compliance standards. We would be happy to discuss your requirements in more detail and share how our previous RWA and fintech experience can contribute to the success of this project. Best, Rahul
$4,100 USD in 40 days
8.8
8.8

With my background in mobile app development and financial technology, I understand the unique challenge MySikaGold is addressing by simplifying investment-grade gold ownership for retail investors. Can you share more about the specific features and functionalities that will make the user experience seamless and secure on the platform? Regards, Yogesh Kumar
$260 USD in 8 days
8.4
8.4

Hello, I HAVE REVIEWED YOUR REQUIREMENTS AND UNDERSTAND THAT MYSIKAGOLD REQUIRES A SECURE DIGITAL GOLD INVESTMENT PLATFORM COMBINING MOBILE INVESTING, PAYMENT PROCESSING, FUND MANAGEMENT, AND REGULATORY COMPLIANCE. I have 10+ years of experience in fintech development, mobile applications, secure backend systems, payment integrations, and scalable financial platforms. I can help build a reliable solution where users can register, complete KYC verification, invest in fractional gold, track portfolios, receive statements, and manage their investments through a secure digital experience. MY APPROACH → Mobile Application → Develop a user-friendly React Native application with registration, PIN authentication, identity verification, gold pricing, investment dashboard, and transaction history. Backend & APIs → Build a scalable NestJS backend with PostgreSQL database, secure APIs, NAV calculation engine, investment workflows, and automated reporting. Payment & Integration → Integrate services such as MoMo, GhanaPay, payment gateways, identity verification, notifications, and external financial APIs. Security & Compliance → Implement secure authentication, encrypted data handling, audit logs, role-based access, and architecture suitable for regulated financial operations. I WILL PROVIDE COMPLETE SOURCE CODE, 2 YEARS OF FREE ONGOING SUPPORT, . Thanks Christina
$450 USD in 7 days
8.5
8.5

As an experienced full-stack developer with a track record of creating complex, scalable platforms, I am confident that I have the skills and expertise needed to create a gold investment platform like MySikaGold. Over the past decade, I have successfully built and maintained various types of digital solutions including SaaS applications, mobile and web platforms, e-commerce systems, CMS, and more. This wide-ranging experience has given me an in-depth understanding of what it takes to build a robust, secure, and user-friendly system like the one described in the project. Not only do I bring technical abilities to the table, but also a strong commitment to delivering top-rated results. I understand that your platform must integrate seamlessly with multiple stakeholders like investors, fund managers, trustees, GoldBod among others. Hence my versatile skillset in Node.js for backend development - NestJS here among others - alongside React for front-end were built with this type of project in mind. My ability to turn complex requirements into simple yet efficient solutions will be invaluable as we bring your vision of combining MoMo-style convenience with regulated gold investing to life.
$500 USD in 7 days
8.0
8.0

Hey there, Building MySikaGold as a digital gold investment platform requires combining a smooth investor experience with the security and accuracy expected from financial systems. I'll develop the React Native app, NestJS backend, and PostgreSQL foundation around investor onboarding, KYC flow, live gold pricing, NAV calculations, MoMo/GhanaPay payments, receipts, and scalable APIs. Designing Phase 1 with clean separation between investment, payment, and compliance modules will make the Phase 2 expansion much easier. I've worked on fintech platforms with secure authentication, payment integrations, dashboards, and transaction-based workflows where reliability and data integrity were critical. I'll focus on API documentation, testing, deployment on your infrastructure, and a maintainable codebase ready for future portals and regulatory features. Is the SmileID KYC integration already available, or should that workflow be implemented during Phase 1? Looking forward to collaborating with you. Portfolio: https://www.freelancer.com/u/Hammadhassan21 Best regards, Hammad Hassan...
$300 USD in 10 days
7.9
7.9

Hi we can help you to built fully functional system with all features please come on chat so we can discuss further Thanks Manish
$1,500 USD in 30 days
8.1
8.1

MySikaGold is a sophisticated multi-stakeholder fintech platform — having built similar investment and portfolio management systems, this aligns directly with our expertise. Proposed stack: Backend: Laravel API with PostgreSQL — handles NAV calculations, fund pricing, KYC workflows, transaction ledger, and role-based access for all 6 stakeholder types (retail investors, diaspora, African investors, fund managers, trustees, admins). Web dashboard: React.js — fund manager and admin control panel for NAV updates, fund approvals, custody reports, compliance monitoring. Mobile app: React Native — single codebase iOS/Android covering registration, KYC, gold fraction purchases, portfolio view, investment growth tracking, statements, sell/redemption flows. Payments: MTN MoMo for Ghana investors, Paystack/Flutterwave for diaspora card payments, PAPSS integration for African cross-border investors. KYC: Automated document verification via Smile Identity (Ghana-native) with manual fallback for international KYC. Security: JWT + 2FA, AES-256 encryption at rest, full audit trails on all fund transactions. All RFP stakeholder roles fully covered. Which custody provider and gold pricing feed are you integrating with?
$500 USD in 7 days
8.2
8.2

Your gold investment platform needs the right foundation before adding payment, custody, and regulatory layers. Building MySikaGold means getting the core flows right first: investor onboarding, KYC, NAV display, fractional gold purchases, receipts, and accurate portfolio tracking. I’d approach Phase 1 by validating the investor journey, designing the backend around clear financial records, and making sure integrations like SmileID, MoMo, GhanaPay, and Metals API have proper failure handling. I’ve worked across React/PHP/Python-based systems and understand the importance of keeping financial data consistent, especially around transactions and PostgreSQL models. For this type of platform, I’d pay close attention to audit trails, reconciliation, and the NAV calculation flow from the start. Would you like to start by reviewing the Phase 1 architecture and the key data flows before implementation?
$500 USD in 7 days
7.1
7.1

Hello! As per your project description, you are looking to build MySikaGold Digital Gold Investment Platform where retail, diaspora, and African investors can register, complete identity verification, invest in fractional physical gold, monitor their portfolios, and eventually sell or redeem their holdings. The platform will include a mobile investor application, NAV and gold pricing engine, payment integrations, backend APIs, PostgreSQL, and dedicated workflows for fund managers, trustees, GoldBod, and regulators as the platform. I can help develop the Phase 1 investor platform with registration, PIN authentication, identity verification, live gold pricing, investor dashboards, MoMo and GhanaPay payments, fractional gold purchases, NAV calculations, digital receipts, and secure backend services. The architecture can also be prepared for Phase 2 requirements including AML screening, PAPSS, Flutterwave, USSD, investor web portal, WhatsApp notifications, fund manager and trustee portals etc. I have experience developing fintech platforms, digital wallets, investment systems, payment integrations, KYC workflows, transaction management systems, secure dashboards, and scalable mobile and web applications. I will focus on making the investment experience simple for customers. Let's connect to discuss the Phase 1 investor journey, the existing RFP and requirements traceability matrix, and which integrations are already available for development. Best regards, Nikita Gupta
$1,000 USD in 45 days
7.0
7.0

Respectfully, Building a regulated gold investment platform requires a secure financial ecosystem that can handle investor trust, compliance, payments, and accurate gold ownership tracking. I'll develop a scalable solution with mobile applications, backend APIs, secure authentication, KYC integration, payment processing, portfolio management, NAV calculation, and role-based access for investors and administrators. The platform will be built with a strong focus on security, performance, and future expansion including regulatory reporting, fund management portals, and additional payment integrations. I'll ensure clean architecture, reliable data handling, and a foundation that supports commercial growth from the pilot phase to a full production environment. Do you already have the RFP technical specifications and API documentation for integrations like SmileID, MoMo, GhanaPay, and Metals API? Portfolio: [https://www.freelancer.pk/u/zainalitariq245](https://www.freelancer.pk/u/zainalitariq245) Thanks...
$250 USD in 7 days
6.8
6.8

Hello!! You need a secure gold investment platform where users can register, verify identity, invest in fractional gold, make payments, monitor portfolios, and manage everything through a scalable, regulated ecosystem ready for commercial launch. Happy to discuss your vision in chat and help build a reliable solution that grows from the pilot phase to full production. Several fintech and investment platforms with secure payments, KYC, dashboards, APIs, and scalable cloud infrastructure have already been delivered successfully. Building trusted financial products with security and performance is always the priority. • Do you already have the UI design and branding ready? • Should Phase 1 be completed before starting Phase 2 features? • Will the mobile application launch first or together with the web portals? Best regards Farhin B
$256 USD in 10 days
6.8
6.8

Hi I will be able to help you. Please message me so that we will have detail technical discussion. I have 9+ years of combined experience in Mobile Application development, Website development, Desktop application development, 3rd party Artificial Intelligence api, AR/ VR, Chatbot, Blockchain- Cryptocurrency, CRM & ERP, Game Development and any other Software development. I am having expertise in Native on Android Java, kotlin and IOS Swift, and For Hybrid Cross platform on Flutter Dart & React- Native and for web and backend on react js and node js, Python Django. Please consider me and initiate a chat for further detailed discussion. Regards, Anju
$400 USD in 7 days
6.6
6.6

I am an expert full stack developer with extensive experience building fintech solutions and digital banking architectures. For the MySikaGold investment platform, I will leverage my proficiency in Next. js and React Native to deliver a seamless cross platform experience integrated with a robust PostgreSQL and Docker based backend. I have previously developed secure investment management portals that handle high volume transactions and blockchain verification, ensuring the bank grade security required for gold assets. My approach focuses on scalable software architecture and clean PHP integration to manage user portfolios efficiently. I can establish the core infrastructure within your budget while maintaining high performance standards.
$250 USD in 7 days
6.1
6.1

Hello dear, Greetings from Md. Toriqul Islam! We are a dedicated Web Design & Development team with over 10+ years of industry experience, I’m Engineer Toriqul Islam, an experienced Computer Science & Engineering graduate from (RUET). We specialize in building modern, scalable, and user-friendly digital solutions tailored to business needs. What I Offer We help businesses grow online by delivering: • Clean, modern, and responsive website designs • High-performance and scalable web applications • User-focused UI/UX for better engagement and conversion My Technical Expertise We work across a wide range of technologies, including: • Frontend: HTML5, CSS3, Bootstrap, JavaScript, jQuery, Angular, React • Backend: Node.js, PHP, Laravel, .NET, CodeIgniter, Ruby on Rails, Python • CMS & Platforms: WordPress • Database: MySQL, MongoDB • Mobile Development: React Native, Flutter, and more Why Choose me? ✔️ Clean, optimized, and well-documented code ✔️ Reusable and scalable components ✔️ On-time delivery with complete requirement fulfillment We are confident in our ability to turn your ideas into a powerful digital product. Let’s discuss your project and make it a success. Looking forward to working with you! Best Regards, Md. Toriqul Islam
$250 USD in 4 days
6.3
6.3

Hello I have gone through your specific requirement for gold investment platform. I have built something close to this for a fintech client with 10000 verified users. I would use event sourcing over direct table updates because every investment and NAV change needs a complete audit trail. I will build a NestJS backend with PostgreSQL and Redis, assuming the Phase 1 scope comes first. But payment, KYC, and fund services will stay separate so Phase 2 grows without major rewrites. Architecture notes and fintech work I can show. Do you already have API access for SmileID and Hubtel? I want to get clear on the NAV calculation rules first. Dev Singh
$250 USD in 4 days
6.5
6.5

I can help develop the mobile app for MySikaGold, ensuring users can easily register and verify their identity. My first step will be to outline the user registration flow and confirm the necessary KYC requirements to integrate. Based in Toronto, Canada, I work efficiently and am always available to address any questions or updates throughout the project.
$250 USD in 7 days
6.6
6.6

Accra, Ghana
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