Unica Pay: Digital Banking & Crypto Platform Development

Digital finance platform combining banking and crypto in one seamless app.

Project category

Web3 & Blockchain

Industry

Fintech, Web3

Location

Global

Duration

3 months

Most people who want to use digital finance face the same problem: banking and crypto live in separate worlds. Separate apps, separate accounts, separate logins. Sending money across borders is slow and expensive. And for 1.7 billion people globally — banking isn’t accessible at all.

Unica Pay was built to close that gap. A single app that handles traditional payments and digital assets together — with a card that works at any POS, instant global transfers, and an interface that doesn’t require a technical background to use.

Cyber Bee was responsible for product architecture, backend infrastructure, and the core payment engine — from system design through to MVP deployment.

How it works

From the user's side: download the app, complete biometric onboarding in minutes, and start paying. The card works immediately - online, in-store, or at an ATM. Crypto and fiat balances are managed from the same screen.

Under the hood, every transaction goes through the payment engine which evaluates available networks in real time and routes to the fastest and cheapest option. Cross-border transfers settle instantly without manual currency conversion.

Solution	What it means in practice
Traditional Banking	Global reach and stability, but high fees, slow transactions, and centralized control.
Crypto	Fast, transparent, low-cost - but complex onboarding, limited consumer protections, and evolving regulation.
Unica Pay	Combines both: worldwide coverage, low fees, instant payments, biometric security, and full legal compliance - in one app.

The result: users get the stability and protection of traditional banking with the speed and cost efficiency of crypto - without needing to understand the difference.

Objectives

1. Bridge banking and crypto

Most apps do one or the other. Unica Pay needed to handle both — with a single account, single interface, and unified balance management.

2. Global payments from day one

The platform had to work across borders without friction — no manual currency conversion, no blocked regions, no slow settlement.

3. Security without complexity

Users needed bank-grade security — but without the friction of traditional banking. Biometrics, encryption, and instant lock had to feel effortless.

4. Scalable SaaS subscription model

The platform needed tiered access (Basic to Premium) with different limits and features — without rebuilding the product for each tier.

Approach used

The product covers the full user journey - from onboarding to daily payments - across three interconnected layers.

Mobile App

The primary interface for end users. Available on iOS and Android, the app handles account creation, balance management, card controls, crypto operations, and payment history - all in one place. Biometric login and instant card freeze are built in from day one.

Payment & Crypto Engine

The backend core. A unified API layer that manages both fiat and crypto transactions simultaneously - routing each payment through the optimal network based on speed, cost, and availability. Supports POS terminals, contactless payments, ATM withdrawals, and online transactions.

Balance transfers between fiat and crypto happen within the same account - no third-party exchange required.

Partner & Admin Platform

A web-based dashboard for business partners and platform administrators. Manages merchant integrations, monitors transaction flows, and handles subscription tier configuration across Basic, Plus, Advanced, and Premium plans.

Each subscription tier unlocks a layer of the same underlying infrastructure - no separate codebases, no feature duplication. Users upgrade instantly without any platform changes.

Approach Used

1. Unified backend architecture

A single API layer managing both fiat and crypto operations, with real-time balance sync and transaction routing across both rails.

2. Multi-currency & multi-rail engine

Cyber Bee architected a payment engine supporting multiple currencies and payment networks simultaneously, with automatic routing to the fastest available rail.

3. Biometric auth + encrypted vault

Implemented biometric login, end-to-end encrypted storage, and instant card freeze/unfreeze — all accessible in under two taps.

4. Modular feature architecture

Each subscription tier unlocks a layer of the same underlying infrastructure — no separate codebases, no feature duplication, fully modular.

Technologies used

React Native
Cross-platform mobile app for iOS and Android — single codebase, native performance.
Next.js
Web platform and partner dashboard built for speed and SEO.
Node.js / NestJS
Backend API handling payments, user accounts, and transaction logic.
PostgreSQL
Primary relational database for user data, transactions, and subscription management.
Stripe
Subscription billing and plan management across Basic, Plus, Advanced, and Premium tiers.
Blockchain Integration
On-chain transaction support for crypto operations with off-chain settlement layer.
Biometric Authentication
Face ID and fingerprint login built natively into the mobile app.
Role-Based Access Control
Separate permission layers for end users, business partners, and platform admins.
Card Infrastructure
Virtual and physical card issuance with POS, contactless, and ATM support.

Tech stack

Results

The MVP delivers what most fintech products promise but rarely achieve — a genuinely unified experience across banking and crypto, built on infrastructure that scales from day one.

Before	After	What it means
Separate apps for banking and crypto	One app for everything	Single account, single balance, single interface — fiat and crypto in one place.
High fees and slow cross-border payments	Low-cost instant transfers	Multi-rail payment engine routes transactions through the fastest available network.
Complex crypto onboarding	Simple setup in minutes	Biometric login, guided onboarding, and intuitive UI — no technical knowledge required.
Limited payment options	POS, online, ATM, contactless	Full card infrastructure with virtual and physical card support across all major payment terminals.
No scalable subscription model	Four-tier SaaS model	Modular architecture lets users upgrade instantly — from Basic to Premium without platform changes.

Unica Pay turns the friction between traditional finance and digital assets into a single, seamless product — accessible to anyone with a smartphone, anywhere in the world.

Similar Case Studies

Bitcoin Mining project

Futura Mining: Fractional Bitcoin Mining Platform

Fractional Bitcoin mining platform with real hardware, live dashboards, and transparent returns.

Learn project

Family Offices project

AI-Powered Advisory Platform

AI platform that helps wealthy families formalize governance, align priorities, and reduce conflict risk through automated multi-agent analysis.

Learn project

RWA project

BullionFX: Tokenized Gold Trading Platform

A decentralized blockchain platform that enables users to buy and sell gold-backed tokens in real time, based on live market prices — with instant execution, full transparency, and self-custody via Web3 wallets.

Learn project

RWA project

Jade City: RWA protocol

Decentralized platform that democratizes access to the jade gemstone market by allowing users to invest in jade-backed bonds using stablecoins.

Learn project

Fintech project

St0x: Tokenized stock trading platform

Decentralized token management platform designed to streamline real-time trading and management of tokenized stock assets, providing users with secure, transparent transactions and up-to-date market data from multiple brokers.

Learn project

Gaming project