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A multi-tenant loyalty, marketing and fintech platform for retail chains, operated entirely through WhatsApp — no app to install. Every chain lives in the same database under its own tenant: its own branches, its own programme, its own data, isolated from the rest.
Identity is passwordless: one-time codes delivered in the same WhatsApp thread the customer is already in. Nothing to install, no password to reset, and the verification lives in the channel itself — which is what makes it safe to attach a balance to a phone number.
Sized against a real pipeline rather than a round number — the chains we pitched ran 3,600, 900 and 700 branches. The data model had to hold five thousand-plus locations across tenants without the largest one degrading everyone else's queries.
At the core, a rigorous, normalized SQL ledger optimized for financial auditability: virtual balances, real-time waitlists and micro-credit profiling derived from transactional data. Double-entry rather than a mutable balance column, so every movement is traceable and safe under concurrency — and deliberately architected as a financial channel that never custodies funds.