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Web App · Pixaloom

Slip a Tip

Node.js · Fintech · Digital TippingScroll to reveal

Project 10 · What we delivered

Slip a Tip

Slip a Tip is a South African digital tipping platform that enables customers to send cashless tips to informal workers such as car guards. The platform allocates funds to individual worker wallets and supports payouts via bank transfer (EFT, RTC, PayShap) or card-based withdrawals (virtual/physical debit card with ATM PIN). Built as an embedded finance fintech stack — not just a payment app — it includes a ledger-based wallet system, payment orchestration, card issuing integration, reconciliation engine, and a compliance-aware architecture designed for regulatory requirements in South Africa.

Archived interface study

Selected outcomes

  1. 01QR-based tipping flow for instant cashless tips to informal workers
  2. 02Ledger-based wallet system with double-entry bookkeeping and immutable transaction logs
  3. 03Payout via EFT, RTC, PayShap, or card-based withdrawal (virtual/physical debit card)

The assignment

Build the useful thing.
Then make it unforgettable.

Slip a Tip is a South African digital tipping platform that enables customers to send cashless tips to informal workers such as car guards. The platform allocates funds to individual worker wallets and supports payouts via bank transfer (EFT, RTC, PayShap) or card-based withdrawals (virtual/physical debit card with ATM PIN). Built as an embedded finance fintech stack — not just a payment app — it includes a ledger-based wallet system, payment orchestration, card issuing integration, reconciliation engine, and a compliance-aware architecture designed for regulatory requirements in South Africa.

Local application preview with synthetic demonstration data; captured 19 October 2026. This study describes the version shown in the saved captures; an external site may have changed since that work. Interface examples are not verified sales or ranking results. Updated .

No public demo is linked for this study. Ask about the demonstrated scope.

Type
Digital tipping + embedded finance
Region
South Africa
Users
Customers · Workers · Admins
Payout
EFT · PayShap · Card · ATM

Inside the experience · Interface study

Local application homepage introducing QR tipping
Local application homepage introducing QR tipping
Local dashboard demonstration with synthetic tip transactions and wallet balance
Local dashboard demonstration with synthetic tip transactions and wallet balance

Capabilities delivered

Every layer,
working together.

  1. 01

    QR-based tipping flow for instant cashless tips to informal workers

  2. 02

    Ledger-based wallet system with double-entry bookkeeping and immutable transaction logs

  3. 03

    Payout via EFT, RTC, PayShap, or card-based withdrawal (virtual/physical debit card)

  4. 04

    Card issuing integration with PIN-enabled ATM withdrawal support

  5. 05

    FICA/KYC verification for workers and AML transaction monitoring

  6. 06

    Reconciliation engine with daily checks, mismatch alerts, and settlement reporting

  7. 07

    JWT authentication with RBAC, rate limiting, and OWASP Top 10 protections

  8. 08

    PCI-DSS compliance via payment partner — tokenised transactions only

  9. 09

    Safeguarded trust account architecture for stored value funds

  10. 10

    Event-driven webhook processing with idempotency keys for payment retries

The system behind the screen

01

Wallet architecture

  • Internal stored value wallet with ledger-based balance tracking
  • Double-entry system: debit platform clearing account, credit worker wallet on each tip
  • Worker sees updated balance instantly after payment confirmation
  • Actual funds safeguarded in trust account with infrastructure partner
02

Payments & payouts

  • Acceptance via card (Visa/Mastercard), PayShap, and instant EFT
  • Bank transfer payout: EFT, RTC, PayShap
  • Card-based withdrawal: virtual debit card, physical debit card, PIN-enabled ATM
  • Card issuing handled by BaaS provider (Direct Transact or equivalent)
03

Security & compliance

  • VPC isolation, AES-256 encryption at rest, TLS 1.2+ for all APIs
  • WAF, JWT auth, RBAC, rate limiting, input validation
  • PCI-DSS handled by payments partner — no card details stored
  • FICA/KYC verification, AML monitoring, suspicious activity reporting
  • Webhook signature verification and idempotency keys
04

Settlement & reconciliation

  • Automated daily reconciliation checks across all wallets
  • Mismatch alerts and settlement monitoring dashboards
  • Immutable transaction logs for audit trail
  • Admin dashboard for user management, KYC status, and reporting

Technology

The machinery
behind the magic.

Node.js (TypeScript)React Native (iOS + Android)Next.js (Admin Dashboard)PostgreSQLRedis (session + rate limiting)BullMQ (async job queue)Direct Transact / PayShap / StitchKubernetes / serverless deployment

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