Live · Oct 2022Consumer remittance · iOS & Android
Send money home to Nigeria from the UK, Europe and, since 2025, Canada. Transfers complete in minutes, with standing orders for repeat payments.
Fintech & mobile app development · since 2021
We design, build and run software products that last.
Mobile apps, web platforms and the systems behind them, for founders and growing businesses. TetradPay and SimlessPay came to us with code that wasn't ready to launch. We took them live in 2022, have shipped major versions since, and today around 100,000 people use them, rated 4.8★ across ~22,000 reviews.
App Store screenshots of TetradPay and SimlessPay, with an animated notification of a transfer being delivered in about three seconds.
Designed, built & run by Codek Since 2021 · Calgary · Plano
Aug 2022
Took over code that wasn't launch-ready
2 months
From handover to TetradPay live
~100K
Users across both remittance apps
4.8★
Across ~22,000 Trustpilot, App Store & Google Play reviews
Flagship work · 2022 → today
Four years. Three products. One engineering team.
A founding team came to us with a remittance idea and code that wasn't ready to go live. We launched their first app two months later, have shipped at least two major versions of each app since, and we're still their engineering team.
- Aug 2022
Handover
We stabilised the existing code and scoped payments and compliance for launch.
- Oct 2022
TetradPay live
UK and Europe to Nigeria, on iOS and Android, two months after handover.
- Oct 2023
SimlessPay live
A second brand built around zero transfer fees.
- B2B
TetradBusiness
Cross-border payments for businesses, on the same platform.
- 2025
Canada launch
CAD corridor, Interac e-Transfers and a registered PSP under the RPAA.
- Today
~100K users
At least two major versions of each app, 4.8★ across ~22,000 reviews.
Live · Oct 2022
Live · Oct 2023Consumer remittance · iOS & Android
A second brand built around zero transfer fees, launched a year after TetradPay by the same team. UK to Nigeria in a few taps, and payments arrive instantly.
TetradBusinessLiveB2B payments platform · Web
Cross-border payments for businesses, built on everything we learned running two consumer apps at scale.
Also in the Tetrad family: Batwa Vaulex newer wallet and payout products, built by the same team on the same platform.
~100K
Users across TetradPay and SimlessPay
4.8★
Across ~22,000 public reviews on Trustpilot, App Store & Google Play
10+
Banking & payout integrations across the UK, EU, Canada and Nigeria
GBPEURCADNGN
Main currencies
What sits behind the apps.
One team builds and runs all of it. The people who wrote the first line of code are the ones shipping releases today, so nothing gets lost in a hand-off.
Built for regulated money movement. With the 2025 Canada launch, TetradPay became a registered PSP with the Bank of Canada under the RPAA, running Interac e-Transfers through DC Bank.
Apps on both storesiOS and Android apps rated 4.8★ across ~9,800 store reviews
10+ banking & payout integrationsPayout rails across the UK, EU, Canada and Nigeria
Built-in complianceTransaction and user monitoring with sanctions and watchlist screening on every payment
Admin & business toolsOperations dashboards for the team, plus the TetradBusiness portal
Across industries · since 2021
Industries we've delivered in.
Since 2021 our app and software development work has shipped products across five industries. This is what we delivered in each.
Fintech & payments
Consumer apps, business payments and the compliance behind them.
- TetradPayRemittance app for the UK, EU and Canada to Nigeria
- SimlessPayZero-fee remittance app, UK to Nigeria
- TetradBusinessCross-border payments portal for businesses
- Batwa & VaulexWallet and payout products in the Tetrad family
- Transaction & user monitoringSanctions and watchlist screening, built into every payment
- Open-source name matchingKYC/AML name-matching library, published on npm ↗
Mobility & logistics
Real-time apps for people and parcels on the move.
- NFS RideRide-hailing with rider and driver apps, live tracking and fare tiers
- NFS CourierDelivery app for couriers, plus a dispatch admin
- SOS Off-RoadRoadside emergency help for off-road drivers
Safety, social & community
Apps people open every day, and in an emergency.
- InsafePersonal safety: one-tap SOS, trusted contacts, live location
- Social media appLocation-based feeds, posts, followers and chat
- MonkeyCoinPlay-and-win rewards app with an in-app coin wallet
Documents, AI & education
Turning documents and reading into something faster.
- ImpervianSecure PDF extraction and search for teams
- KickAss CVsResume builder with its own template system
- QikReadSpeed-reading app with a library and reading plans
Commerce, services & devices
Tools for shops, marketplaces and connected hardware.
- Phone-retail managementIMEI tracking, repairs, stock and multi-shop reporting
- NaringiService-booking marketplace with offers and provider income
- MVDG NFT marketplaceMarketplace and API for a digital collectibles project
- ZeroWasteFood-expiry tracker that cuts household waste
- IoT device controllerMobile control for connected devices, with PIN lock
Want a team that sticks around after launch? Tell us what you're building.
Let's talk about your projectHow we work
The same four steps that took TetradPay from unfinished code to year four.
No black box and no big reveal at the end. You see working software every week, and the team that builds it stays on to run it.
-
01~1–2 WEEKS
Discover
We turn the idea into a scoped first version: users, core flows, integrations, compliance constraints and architecture.
You getA written scope, an architecture and a launch plan.At Tetrad: we audited the existing code, then scoped what launch needed. -
02WEEKLY SPRINTS
Build
Short sprints with a demo every week. Mobile, backend and integrations move in parallel, so nothing waits on anything else.
You getStaging access, weekly demos and a backlog you can see.At Tetrad: apps, payment backend and integrations built side by side. -
03GO-LIVE
Launch
We handle store submissions, production infrastructure, monitoring and launch day itself.
You getA live product, monitored from its first hour.At Tetrad: TetradPay live on iOS and Android in Oct 2022, two months in. -
04ONGOING
Run & grow
We stay on to ship releases, add features and help you expand into new markets and new products.
You getThe team that built it, still shipping.At Tetrad: SimlessPay in 2023, Canada in 2025. ~100K users today.
Before you book
Questions we usually get.
Do you only build fintech?
No. We're a mobile app and software development partner. Fintech is where our flagship work is, but we've also shipped ride-hailing and courier platforms (NFS), a personal-safety app (Insafe), a location-based social media app, document AI (Impervian) and retail operations software. If it needs to be reliable and keep running, it's our kind of project.
What happens after launch?
Most of our work starts after launch. We stay on for releases, monitoring, new features and new markets, the way we have with Tetrad for four years. If you'd rather take it in-house, we'll hand over properly.
I only have an idea. Is that too early?
No. The Discover step exists to turn an idea into a scoped, buildable first version.
Can you take over code another team started?
Yes. That's how Tetrad began: the code wasn't ready to go live when it came to us, and TetradPay was in the stores two months later.
What's in the free code review?
Share your repository or a short walkthrough of the product. We'll reply with an honest summary: what's solid, what's risky, and what it would take to launch or scale. It's free, with no obligation.
What happens if we talk?
You tell us what you're building or what's slowing you down, by message or on a call if you prefer. We'll give you an honest view of approach, rough timeline and next steps. There's no pitch deck and no commitment.
Start here
Tell us what you're building.
Send a few lines about your project. The people who'd build it will reply within 1 business day with honest thoughts on scope and approach.
- A reply within 1 business day
- Honest thoughts on scope, timeline and approach
- Already have code? Get a free code review
- No commitment, no hard sell
Emailoffice@codek.ltd