1derful
Embedded Finance White-Label Platform
We partnered with 1derful to build a full-stack, white-label embedded finance platform — enabling seamless delivery of branded fintech products through API-first architecture, automated KYC onboarding, card issuance, and smart payment workflows across mobile and web.
01
Overview
1derful is an Australian fintech company offering embedded financial services, including banking and payment solutions, through a customizable, API-driven platform. They empower brands to launch and manage digital finance products without needing their own banking license.
Techwondoe designed and delivered a cross-platform fintech ecosystem — starting with two applications and successfully scaling the architecture to support four branded products (Breed, Douugh, 1derful, and Patron), each with unique UI skins and feature customizations running on shared infrastructure.
Branded apps launched
4
Payment integrations
5+
Architecture
API-first
02
The challenge
Build a unified and scalable codebase to support the development of multiple financial applications offering services like ID verification, digital card issuance, and transaction management. The system needed to streamline development while allowing for slight variations in features and design across different apps.
01
Managing multiple third-party fintech integrations
02
Supporting customizable white-label experiences per brand
03
Ensuring scalability for future product expansion
04
Delivering secure KYC/AML onboarding flows
05
Maintaining consistent performance across platforms
03
Approach
Techwondoe adopted an API-first, modular architecture that enabled rapid iteration and scalable delivery. Using Flutter and React, the team built reusable frontend components that supported white-label customization while maintaining a consistent user experience.
The backend was architected using Azure-based microservices and Terraform-managed infrastructure to ensure scalability, resilience, and maintainability. CI/CD pipelines automated deployments, testing, and security checks to accelerate delivery while maintaining engineering quality standards.
01
Set up monorepo using Nx.Dev
Established a monorepo to manage shared code, services, and components across all branded applications.
02
Built dynamic API handling
App-specific data and configurations served through dynamic GraphQL APIs, allowing each brand to have unique behaviours without separate codebases.
03
Automated pipeline for design, development, and deployment
Robust CI/CD with Fastlane, GitHub Actions, SonarCloud, and Snyk — covering build, test, security, and deploy in a single automated flow.
04
Scaled from 2 to 4 branded applications
Started with Breed and Douugh, then scaled the architecture to support 1derful and Patron — each with unique UI skins and slight feature customizations.
04
Tech stack
We built on Flutter for cross-platform mobile, React with TypeScript for web, and Azure-based .NET microservices for the backend — all managed through an Nx monorepo with Terraform-provisioned infrastructure and comprehensive CI/CD automation.
01
Frontend
02
Backend
03
Integrations
04
CI/CD & QA
GitHub Actions
CI/CD pipelines
Fastlane
Mobile release automation
SonarCloud
Code quality monitoring
Snyk
Security scanning
Datadog
Monitoring and observability
Widgetbook
Flutter UI testing
BrowserStack
Cross-device testing
Firebase Analytics
User engagement tracking
flutter_test
Unit testing
integration_test
End-to-end testing
05
Outcome
Breed, Douugh, 1derful, Patron
4
Branded apps launched
MasterCard, i2c, Episode Six, Zai, LWC
5+
Payment integrations
GraphQL + modular services
API-first
Extensible architecture
compliant, low-friction
Automated
KYC/AML onboarding
01
Scalable white-label embedded finance platform
Delivered a production-ready platform that enables rapid deployment of branded fintech products — each with custom theming, modular features, and independent configuration — all running on shared infrastructure.
02
Streamlined KYC/AML onboarding and payment workflows
Automated onboarding flows handle identity verification, compliance checks, and account creation with minimal friction — reducing drop-off rates and enabling customers to access financial services within minutes.
03
Modular architecture enabling rapid product launches
Plug-and-play fintech modules — card issuance, split payments, transaction tracking, account management — can be composed and configured per product, dramatically reducing time-to-market for new branded offerings.
04
Secure, scalable cloud infrastructure with CI/CD automation
Azure-based microservices managed via Terraform, with automated deployment pipelines, security scanning (Snyk), code quality monitoring (SonarCloud), and comprehensive observability through Datadog and Sentry.