Shipped payment infrastructure, card acquiring, wallets, cross-border corridors, settlement and reconciliation, KYC/KYB, AML/CFT and fraud, that has cleared $1B+ in annual GTV across five regulated markets. Plus a small portfolio of new products in quiet build from the product lab.
Regulated multi-rail payment infrastructure across pay-in, payout, wallets, DCB, IBFT, card acquiring, cross-border, FX, settlement, fraud and KYC/KYB.
A five-market regulated payments platform serving global enterprises and local merchants. Unified pay-in/payout API across cards (MPGS/MDES), wallets, DCB, IBFT and cross-border corridors, with a canonical ledger, in-line risk service and partner-aware settlement.
OTT billing, direct carrier billing, wallet migration and subscription monetization. Built and scaled the payment monetization and billing infrastructure.
Re-architected the subscription billing rail mix for a regional OTT platform. Moved from high-cost rails to a portfolio of DCB, wallets and cards with intelligent rail selection per subscriber cohort, retry orchestration and lifecycle-aware dunning.
An evidence-to-decision workspace for technical PMs: gated stages, fill-in templates, runnable frameworks, and AI layers that stay optional.
A public repository that runs a product from discovery to sunset as six stages, each closing at a gate that can fail. Every claim traces to evidence, every requirement to the discovery that justified it, and every stage advance to the named person who signed it. A document system first, with a local runtime and AI layers on top that you can leave out.
A consumer fintech product in quiet build from Rizwan's product lab.
Early-stage consumer fintech. Architecture, regulatory posture and onboarding flows are being designed in private, request preview to get on the early-access list when there is something real to show.
An AI-assisted job-search and applicant-workflow product, built on Rizwan's own search process.
Tools for senior operators running a focused job search, keyword/ATS profiling, target-company research, application tracking and outreach drafts. Built from Rizwan's own pipeline; request preview to get on the early-access list.