Krivi

A crypto-funded virtual Visa card. Users top up with stablecoins or local mobile money and spend anywhere Visa is accepted: online, in store and on subscriptions.

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Role: Senior Software Engineer
Year: 2026
Client: Krivi
Link: krivi.xyz
Services: Product & UXFintech integrationsBackend architectureCheckout flows
Technology: LaravelPHPReactCrypto APIsMySQL

My role

I owned the product end to end, from core architecture and UX design through cross-border checkout, and built the backend that processes transactions in real time.

The challenge

Spending crypto in everyday life usually means exchanges, forex fees and waiting. Krivi had to feel as simple as a debit card, with no hidden spreads and no weekend markups.

01 — The card

Crypto in, Visa out.

Stablecoins convert and spend instantly wherever Visa is accepted. Cards issue in seconds, are Apple Pay and Google Pay ready, and freeze with one tap.

Krivi campaign: the card that keeps up with you

02 — Local rails

Top up with mobile money.

Localised integrations let users load their stablecoin wallet over regional mobile money networks, including Airtel Money and TNM Mpamba.

03 — Checkout

Zero hidden spreads.

Cross-border forex conversion at checkout, with no hidden spreads or weekend markups, on infrastructure built for real-time processing and 99%+ uptime.