FLAGSHIP CASE STUDY
SeedTracker
A multi-tenant fintech SaaS platform for organisational financial management — processing over ₦2.4B in transactions across 247 active organisations, with real-time reconciliation, dual-gateway payments, and AI-driven engagement analytics.
₦2.4B+
Transaction volume tracked
247
Active organisations
99.9%
Uptime SLA
<10s
Per-transaction entry time
The Problem
Organisations across Nigeria were managing complex financial operations with spreadsheets, paper records and WhatsApp screenshots — leading to lost records, hours of manual reconciliation, zero financial transparency for stakeholders, and member data scattered across personal devices with no continuity when staff turnover occurred.
The Solution
I architected and built a production multi-tenant SaaS platform from the ground up — covering real-time transaction capture, dual-gateway payment processing, automated reconciliation, WhatsApp-native communication, and AI-powered engagement scoring — designed specifically for the payment infrastructure, connectivity constraints and communication habits of the African market.
Dual-Gateway Payments
Paystack and Flutterwave integration with automatic failover — card, bank transfer, USSD and mobile money, so no payment is ever lost.
WhatsApp-First Notifications
Instant giving receipts, reminders and reports delivered via WhatsApp Business API — no app download required.
Multi-Tenant Security
Row-level database isolation ensures organisations never see each other's data, with a tamper-proof audit trail and dual-control approvals.
Offline-First Architecture
Transactions queue locally on unreliable connections and sync automatically once connectivity returns.
AI Engagement Predictions
Claude AI analyses giving patterns to predict disengagement risk and generates personalised outreach recommendations.
Self-Service Member Portal
Every user gets a personal portal with history, digital QR card, and downloadable statements — zero admin overhead.
Transaction Flow
Transaction Recorded
Cash, transfer or online payment is captured in real time by staff or through self-service giving.
Reconciliation Engine
Bank transfers are automatically matched against records; cash entries are batched and audited.
Multi-Gateway Processing
Online payments route through Paystack or Flutterwave with automatic failover between providers.
Instant Notification
WhatsApp Business API sends a confirmation receipt to the member within seconds.
Live Dashboard Update
Admin dashboard reflects the transaction instantly, with AI models updating engagement scores in the background.
Technical Challenges Solved
- ▸ Payment reliability: automatic failover between Paystack and Flutterwave ensures no transaction is ever lost, even during gateway outages.
- ▸ Connectivity resilience: offline-first sync architecture allows staff to keep working during unreliable internet, queuing writes locally.
- ▸ Data isolation at scale: row-level security ensures 247+ organisations share infrastructure without any risk of cross-tenant data exposure.
- ▸ Regulatory compliance: built-in PAYE, pension and NHF payroll calculations aligned with Nigerian statutory requirements.
Outcome
SeedTracker is live in production, processing over ₦2.4 billion in transactions across 247 active organisations with a 99.9% uptime SLA. The platform replaced manual spreadsheet reconciliation with real-time automated processing, cutting weekly admin time from hours to minutes while giving end-users full visibility into their transaction history for the first time.