Fintech & Banking Apps, Finance and Investment App

Behind the Build: Developing a Fintech App Like Revolut Step-by-Step

Revolut has completely changed the game in digital banking. What started as a prepaid card and currency exchange app is now a full-scale neobank offering everything from budgeting and crypto trading to stock investments and global transfers—all in one clean, fast, mobile-first experience.

Over the past few months, I built a Revolut clone from scratch—twice, in fact: once with a modern JavaScript stack (Node.js + React) and once using a PHP-based approach (Laravel). Why both? Because different startups have different needs, and I wanted to help founders like you make informed decisions based on your vision, team strengths, and speed-to-market goals.

In this tutorial, I’ll walk you through exactly how I approached building an app like Revolut:

The tech decisions I made
The backend database and architecture
How I handled security, third-party APIs, money flows
The UI/UX structure for a frictionless banking experience
And of course, real-world lessons from launching and scaling it

Whether you’re a startup founder eyeing a Revolut clone, or a digital agency exploring white-label fintech apps, this guide will break it all down—from backend logic to the last front-end pixel.

Choosing the Right Tech Stack for Your Revolut Clone

Before writing a single line of code, I had to make one of the most critical decisions: Which stack should we use? I knew I had two strong contenders:

JavaScript Stack – using Node.js for the backend and React for the frontend
PHP Stack – using Laravel (though I also prototyped with CodeIgniter briefly)

Each has its strengths, and the “right” answer often depends on the founder’s team and target launch speed. Here’s how I broke it down:

1. JavaScript Stack: Node.js + React

When I used this:
For projects where speed, flexibility, and a real-time UX were top priorities—especially for mobile-first neobank interfaces.

Backend: Node.js (Express)

Asynchronous I/O was great for transaction-heavy workloads
Easy to build scalable microservices
Worked smoothly with WebSocket connections for live notifications (e.g., money in/out alerts)

Frontend: React (with TailwindCSS)

Component-based structure made it easy to reuse UI logic across dashboard, cards, analytics, etc.
Smooth transitions, animation hooks, and form controls felt modern and fast
Integrated well with libraries like Redux (for state) and Axios (for API)

Pros:

Excellent performance for APIs and live actions
One language across full stack = easier team collaboration
Massive npm ecosystem, including fintech SDKs

Cons:

Needs more setup and structure to avoid messy code
More DevOps heavy (PM2, Docker, CI/CD pipelines)

2. PHP Stack: Laravel (or CodeIgniter)

When I used this:
For founders or teams who preferred quicker MVPs with less DevOps complexity and strong backend conventions out of the box.

Backend: Laravel

Artisan CLI made scaffolding insanely fast
Eloquent ORM simplified DB interactions
Built-in queues, events, and broadcasting saved time for things like withdrawal processing and email alerts

Frontend: Blade + Bootstrap (or Vue.js optionally)

Used Laravel’s Blade templates for server-side rendering
Added Bootstrap for quick layout; switched to Tailwind when going for a cleaner mobile UI

Pros:

Convention over configuration = faster MVP rollout
Cleaner validation, form handling, routing out of the box
Easier hosting on shared environments or LAMP stack VPS

Cons:

Slightly slower API response times compared to Node
Not ideal for real-time UX without extra packages (Pusher, Echo)

My Recommendation?

Go with Node.js + React if:
You want speed, scalability, and more control over a modern, real-time fintech experience.
Use Laravel if:
Your team is experienced in PHP or you’re aiming for faster MVP launches with a strong, opinionated backend.

I often pitch both options to founders during kickoff—especially when we offer Miracuves’ Revolut Clone because it can be customized in either stack depending on your long-term roadmap.

Database Design for a Scalable Revolut Clone

Getting the database design right was crucial. A neobank app like Revolut deals with complex, interconnected data: user identities, KYC documents, account balances, multi-currency wallets, transaction logs, third-party API data, and more.

Whether I was using MongoDB with Node.js or MySQL with Laravel, I kept a flexible and scalable structure that could support millions of transactions, multiple currencies, and future modules like crypto or budgeting.

1. Core Tables & Collections

Here’s a simplified version of my relational database schema for the Laravel build (MySQL), and how it maps in MongoDB.

Users Table
CREATE TABLE users (
    id BIGINT PRIMARY KEY AUTO_INCREMENT,
    full_name VARCHAR(255),
    email VARCHAR(255) UNIQUE,
    phone VARCHAR(20),
    password_hash VARCHAR(255),
    kyc_status ENUM('pending', 'verified', 'rejected'),
    created_at TIMESTAMP
);
MongoDB version:
{
  "_id": ObjectId(),
  "full_name": "Alice Morgan",
  "email": "alice@example.com",
  "phone": "+1234567890",
  "password_hash": "hashed_value",
  "kyc_status": "verified",
  "created_at": ISODate()
}
Wallets Table (One per Currency)
CREATE TABLE wallets (
    id BIGINT PRIMARY KEY AUTO_INCREMENT,
    user_id BIGINT,
    currency_code VARCHAR(3),
    balance DECIMAL(16,2) DEFAULT 0.00,
    FOREIGN KEY (user_id) REFERENCES users(id)
);
Allows each user to have USD, EUR, GBP wallets. Great for multi-currency support.

Transactions Table
CREATE TABLE transactions (
    id BIGINT PRIMARY KEY AUTO_INCREMENT,
    wallet_id BIGINT,
    type ENUM('deposit', 'withdrawal', 'transfer', 'exchange'),
    amount DECIMAL(16,2),
    status ENUM('pending', 'completed', 'failed'),
    reference_id VARCHAR(255),
    created_at TIMESTAMP,
    FOREIGN KEY (wallet_id) REFERENCES wallets(id)
);
I made sure to include reference_id fields to help link transactions with third-party payment gateways or external APIs.

2. KYC & Compliance Tables

These store user-submitted identity documents and verification logs.
CREATE TABLE kyc_documents (
    id BIGINT PRIMARY KEY AUTO_INCREMENT,
    user_id BIGINT,
    document_type ENUM('passport', 'national_id', 'license'),
    document_url VARCHAR(255),
    verification_status ENUM('pending', 'approved', 'rejected'),
    uploaded_at TIMESTAMP,
    FOREIGN KEY (user_id) REFERENCES users(id)
);
This helps plug into third-party KYC providers like Sumsub or Onfido.

3. Flexibility & Nested Structures in MongoDB

MongoDB made it easier to store nested objects, like:
{
  "_id": ObjectId(),
  "user_id": "...",
  "transactions": [
    {
      "type": "deposit",
      "amount": 100.50,
      "status": "completed",
      "timestamp": "..."
    },
    {
      "type": "transfer",
      "amount": 25.00,
      "status": "completed"
    }
  ]
}
For apps with dynamic currency wallets and logs, this nesting can reduce query load—though I always evaluated performance tradeoffs.

4. Scalability Considerations

Added indexing on wallet_id, transaction_id, user_id

Partitioned transaction data in high-volume builds

Used UUIDs for internal references instead of autoincrement IDs in Node.js builds

Pro Tip:

Always keep audit logs. Every financial event—success or failure—should have traceable metadata for debugging, compliance, and reconciliation. Laravel makes this easy with Events; in Node, I used a lightweight event emitter module and stored logs in a separate collection.

Key Modules & Features in the Revolut Clone App

When building a Revolut-style app, it’s not just about “sending money.” You’re essentially crafting a modular financial command center for users. I broke it into 5 core modules—each with full backend and frontend flows.

Let’s dive into how I built each feature in both Node.js + React and Laravel (PHP).

1. Multi-Currency Wallet System

What it does:
Users can hold balances in multiple currencies (USD, EUR, INR, etc.), and switch, convert, or transact from any wallet.

In Node.js (Express + MongoDB):

Dynamic currency wallet objects stored inside a wallets collection
REST endpoints:

// Create wallet
POST /api/wallets
// Transfer funds between wallets
POST /api/wallets/transfer

In Laravel (MySQL):

Separate wallets table linked to users
Used Eloquent relationships:

public function wallets() {
    return $this->hasMany(Wallet::class);
}

Frontend (React or Blade):

Dynamic currency selector
Real-time balance update with WebSocket or polling

2. Send / Receive Money (Peer Transfers)

What it does:
Users can instantly send money to other users via phone/email.

Backend Logic in Both Stacks:

Check sender balance
Deduct + credit wallets atomically
Generate transaction record for both sender and recipient
Notify both parties via email/push

Laravel Example:

DB::transaction(function () use ($sender, $receiver, $amount) {
    $sender->wallet->decrement('balance', $amount);
    $receiver->wallet->increment('balance', $amount);
    Transaction::create([...]);
});

Node.js Example:

await session.withTransaction(async () => {
    await Wallet.updateOne(...);
    await Transaction.create(...);
});

3. Currency Exchange Module

What it does:
Allows instant currency conversion using live exchange rates.

Exchange Rates via API:

Integrated OpenExchangeRates and Fixer.io in both builds
Rates cached hourly in Redis for performance

Conversion Endpoint:

POST /api/convert
Body: { from: "USD", to: "INR", amount: 100 }

Laravel Version:

Artisan scheduled task pulled exchange rates every hour
Used Laravel Cache for storing rates

4. Admin Panel (User Management, KYC, Audit)

What it does:
Secure dashboard to approve users, manage transactions, configure currencies, and review audit logs.

Laravel:

Used Laravel Nova for admin backend (rapid and elegant)
Role-based auth with Laravel Gate

Node.js:

Built with React + Ant Design UI
Admin routes protected via RBAC middleware

5. Notifications & Activity Logs

Every transfer, login, and exchange is logged
In Node.js: I used an event emitter with a logs service
In Laravel: Used built-in Events and Listeners

Push notifications were triggered via Firebase Cloud Messaging (FCM), and email alerts via SendGrid.

Bonus: In-App Card Simulation

Some clients asked for a “virtual debit card” preview.

Generated card numbers using faker.js (Node) or Faker (Laravel)
Masked CVV and added expiry
Designed animated flip card UI in React

Data Handling: APIs vs Manual Listing Options

A Revolut-like app thrives on accurate, real-time financial data. From currency exchange rates to KYC validation and even crypto prices—there’s a lot of external data coming in. At the same time, some modules (like onboarding screens, FAQ content, fees & limits) are best handled manually via admin controls.

So I designed the app to support two types of data ingestion:

Automated, via APIs (e.g., FX rates, payment gateways, KYC)
Manual, via admin panel entries (e.g., static content, plan tiers)

Here’s how I tackled both in Node.js and Laravel.

1. Third-Party API Integrations

Example: Currency Exchange Rates

I used OpenExchangeRates as a live source. The data flow looked like this:

In Node.js:

// Fetch exchange rates
axios.get('https://openexchangerates.org/api/latest.json?app_id=KEY')
  .then(res => {
    redis.set('fx_rates', JSON.stringify(res.data.rates), 'EX', 3600);
  });

In Laravel:

phpCopyEdit

$response = Http::get('https://openexchangerates.org/api/latest.json', [
    'app_id' => config('services.fx.key'),
]);

Cache::put('fx_rates', $response->json()['rates'], now()->addHour());

I cached the rates for 1 hour to avoid rate limits and speed up conversion modules.

Example: KYC Verification with Sumsub

Uploaded documents via mobile camera
Sent to Sumsub via API
Stored webhook result in our system (status: verified/pending/rejected)

Node.js Webhook Handler:

app.post('/webhook/kyc', (req, res) => {
  const { user_id, status } = req.body;
  User.updateOne({ _id: user_id }, { kyc_status: status });
  res.sendStatus(200);
});

Laravel Listener:

phpCopyEdit

public function handle(KycWebhook $event)
{
    $user = User::find($event->user_id);
    $user->kyc_status = $event->status;
    $user->save();
}

2. Manual Content Management via Admin Panel

Certain content was easier (and safer) to manage manually, especially for non-technical founders.

Examples:

Fee configurations (e.g., 2% forex fee for INR)
Currency support toggles
Static CMS pages (Terms, Privacy, FAQs)
Customer support contact details

Laravel:

Built a Settings model with key-value store
Admin CRUD built using Laravel Nova

Node.js:

Created a settings MongoDB collection with dynamic keys
Built a React-based admin panel with basic editing forms

Data Security & Audit Trail

Every external API call (especially KYC, payments, exchanges) was logged
Errors were saved in a separate api_logs table/collection
Admin-edited fields (like fees) had changelogs with timestamps and admin ID

Tip for Founders:

Mix automation with manual override. APIs break. Rates fluctuate. Clients change policy. Having an admin panel fallback saved us hours of downtime when a provider’s API failed unexpectedly.

API Integration: Structuring Endpoints in Node.js and Laravel

In any fintech app—especially something as transactional as a Revolut clone—your APIs are the heart of the system. They connect the frontend to logic, trigger business workflows, and sync data across services.

I made sure all my APIs were:

RESTful and well-versioned
Secured with authentication and rate-limiting
Designed with extensibility in mind

Here’s how I approached API integration in both Node.js and Laravel, with real sample endpoints.

1. API Structure & Routing

In Node.js (Express)

// routes/v1/index.js
router.use('/auth', require('./auth'));
router.use('/wallets', require('./wallets'));
router.use('/transactions', require('./transactions'));

In Laravel (api.php)

phpCopyEdit

Route::prefix('v1')->group(function () {
    Route::post('auth/login', [AuthController::class, 'login']);
    Route::middleware('auth:sanctum')->group(function () {
        Route::get('wallets', [WalletController::class, 'index']);
        Route::post('transfer', [TransactionController::class, 'transfer']);
    });
});

I always version APIs with /v1/ in the URL to prepare for future updates.

2. Sample Endpoints (in Both Stacks)

Node.js:

POST /api/v1/auth/register
Body: { full_name, email, phone, password }

POST /api/v1/auth/login
Returns: { token, user }

Laravel:

public function login(Request $request) {
    if (!Auth::attempt($request->only('email', 'password'))) {
        return response()->json(['error' => 'Invalid login'], 401);
    }

    $token = $request->user()->createToken('api-token')->plainTextToken;

    return response()->json([
        'token' => $token,
        'user' => $request->user()
    ]);
}

b. Send Money (Peer-to-Peer)

POST /api/v1/transactions/transfer
Body: { to_user_id, amount, currency }
Headers: Authorization: Bearer token

Node.js: Inside controller, I used async/await with transaction sessions.

Laravel: I wrapped balance updates inside DB::transaction() blocks to avoid partial writes.

c. Currency Conversion

POST /api/v1/convert
Body: { from_currency, to_currency, amount }

I pulled live FX rates from the cache or fetched from the external API.
Laravel used Http::get(...), Node used axios.

d. Wallet Balances

GET /api/v1/wallets
Returns:
[
  { currency: "USD", balance: 120.50 },
  { currency: "EUR", balance: 80.00 }
]

3. Authentication and Middleware

Node: Used JWT tokens stored in Authorization header, verified via jsonwebtoken
Laravel: Used Sanctum for API token-based auth, added auth:sanctum middleware

Both stacks had role-based access:

Normal users = wallet access
Admin users = broader privileges (e.g., user lookup, manual balance edits)

4. Rate Limiting and Security

Laravel: Used built-in ThrottleRequests middleware
Node: Used express-rate-limit and helmet for securing headers

Also ensured:

HTTPS-only endpoints
Input sanitization (Laravel’s Request validation, express-validator for Node)
Logging all failed login attempts

Frontend & UI Structure: Building a Clean, Mobile-First Banking Experience

Let’s face it—no matter how good your backend is, users judge your app by the frontend. A Revolut-like product needs to be sleek, responsive, and intuitive on both mobile and desktop. I focused heavily on two things:

Component modularity for maintainability
Mobile-first UX that mimics native apps

Here’s how I structured the frontend for both React (JavaScript) and Blade (Laravel/PHP) builds.

1. React Frontend (Node.js Stack)

I used React with TailwindCSS and structured it like a real-world single-page app (SPA). Major libraries:

React Router DOM – navigation
Redux Toolkit – global state (user auth, wallets, currency)
Axios – API calls
TailwindCSS – fast and consistent design
Framer Motion – lightweight animations

Key Layout Decisions:

Sidebar for web + bottom nav for mobile
Sticky balance header on dashboard
Used localStorage for JWT token persistence
Wrapped routes in a <PrivateRoute> component for auth protection

Sample Folder Structure:

src/
├── components/
├── pages/
├── services/
├── hooks/
├── layouts/
└── App.js

Each page (e.g., Dashboard, Wallets, Settings) was composed of smaller components for reusability.

2. Blade Frontend (Laravel Stack)

For Laravel, I kept it simple but flexible:

Used Blade for server-side rendering
Integrated TailwindCSS for mobile-first utility design
Applied Livewire for reactive elements like real-time currency conversion

Blade File Structure:

Example Snippet: Wallet Card

<div class="bg-white rounded-xl shadow-md p-4 flex justify-between">
    <div>
        <h2 class="text-xl font-bold">{{ $wallet->currency }}</h2>
        <p class="text-gray-500">Balance: {{ $wallet->balance }}</p>
    </div>
    <div class="text-right">
        <p class="text-green-500">Last Updated: {{ $wallet->updated_at->diffForHumans() }}</p>
    </div>
</div>

3. Mobile-First Considerations

Font sizes and tap targets optimized with rem units and min-h-[48px]
Used Tailwind’s responsive classes like sm:, md:, lg: for breakpoints
Touch-friendly buttons, dropdowns, and datepickers
Added iOS-style slide-in modals for funds transfer

React Mobile Nav Example:

const BottomNav = () => (
  <div className="fixed bottom-0 w-full flex justify-around bg-white py-2 shadow-md">
    <NavLink to="/dashboard">Home</NavLink>
    <NavLink to="/wallets">Wallets</NavLink>
    <NavLink to="/settings">Settings</NavLink>
  </div>
);

4. Animations & Feedback

Success modals with Framer Motion
Toast alerts for balance updates
Loading skeletons while fetching data
Smooth transitions between pages using route animations

5. UX Wins

Balance Preview: Always visible on dashboard
Quick Actions: “Send”, “Exchange”, “Top Up” buttons accessible at top level
Color Coding: Green = credit, red = debit, gray = pending

Pro Tip:

Don’t just test responsiveness—simulate real banking behavior. Try sending a transaction with flaky internet, or navigating with one hand. That’s where great UX shines.

Security is non-negotiable when you’re building a Revolut-style app. From user logins to money movement, every endpoint and action needs to be protected, validated, and encrypted.

I focused on two mission-critical areas here:

Authentication – Secure, sessionless login with token-based auth
Payments – Integrating reliable gateways like Stripe or Razorpay for top-ups and withdrawals

Let’s break it down.

1. Authentication

a. Node.js (Express + JWT)

I used jsonwebtoken for issuing access tokens and bcryptjs for hashing passwords.

Registration Flow:

Validate input (email, phone, password)
Hash password
Store user
Return JWT token

const token = jwt.sign({ userId: user._id }, process.env.JWT_SECRET, {
  expiresIn: '7d',
});

Middleware to Protect Routes:

function authMiddleware(req, res, next) {
  const token = req.headers.authorization?.split(" ")[1];
  try {
    req.user = jwt.verify(token, process.env.JWT_SECRET);
    next();
  } catch {
    res.status(401).json({ error: "Unauthorized" });
  }
}

b. Laravel (Sanctum or Passport)

Laravel Sanctum made it super simple. I used Sanctum tokens for API authentication.

$user = User::where('email', $request->email)->first();
if (Hash::check($request->password, $user->password)) {
    $token = $user->createToken('api-token')->plainTextToken;
    return response()->json(['token' => $token]);
}

Protecting Routes:

Route::middleware('auth:sanctum')->group(function () {
    Route::get('/wallets', [WalletController::class, 'index']);
});

2. Payments (Top-Up & Withdrawal)

Revolut allows users to top up via debit card or bank transfer. I implemented Stripe for card payments and Razorpay for India-specific users.

a. Stripe Integration

Use case: User wants to top up $100 to USD wallet

Node.js:

const paymentIntent = await stripe.paymentIntents.create({
  amount: 10000, // in cents
  currency: 'usd',
  metadata: { userId: user._id },
});

Frontend handled card_element via Stripe Elements in React. On success, I:

Updated the wallet balance
Created a transactions record
Triggered an email confirmation

Laravel:

\Stripe\Stripe::setApiKey(config('services.stripe.secret'));
$intent = \Stripe\PaymentIntent::create([
    'amount' => 10000,
    'currency' => 'usd',
    'metadata' => ['user_id' => $user->id],
]);

Webhook confirmed the top-up before crediting the wallet.

b. Razorpay Integration

For Indian merchants, I used Razorpay Orders:

Created the order server-side
Collected payment using Razorpay checkout on frontend
Verified signature and marked as completed

Laravel Example:

$order  = Razorpay::order()->create([
    'receipt' => 'order_rcptid_11',
    'amount' => 10000,
    'currency' => 'INR',
]);

Signature verification:

$generatedSignature = hash_hmac('sha256', $orderId . '|' . $paymentId, $secret);

3. Withdrawal Requests

Allowed users to link a bank account via admin
Raised a withdrawal request via frontend
Admin could approve/reject from dashboard
Built optional webhook with Stripe to automate bank payouts (in supported regions)

4. Security Features Built-In

Brute force protection – rate-limiting on login
2FA Ready – Integrated optional OTP flow via Twilio
Email alerts – sent on every login, withdrawal, failed payment attempt
Audit logs – every transaction or balance update logged with IP and user agent

Pro Tip:

Never credit wallets directly based on payment form success. Always wait for the webhook from Stripe/Razorpay before updating balances. Saves you from false positives and fraud.

Testing & Deployment: Stability from Dev to Production

Once I had features in place, the next critical phase was testing and deployment. In fintech, bugs aren’t just embarrassing—they’re expensive. So I invested time in:

Proper test coverage
Smooth, repeatable CI/CD pipelines
Containerization for consistency across environments
Process monitoring and rollback strategies

Here’s how I handled it in both Node.js and Laravel ecosystems.

1. Testing Strategy

a. Unit and Feature Tests

Node.js (Mocha + Chai + Supertest)

Tested all routes, including auth and wallet APIs
Simulated JWT tokens in test environment
Used mongodb-memory-server for isolated DB state

describe('POST /api/v1/auth/register', () => {
  it('should register a new user', async () => {
    const res = await request(app).post('/api/v1/auth/register').send({
      email: 'test@example.com',
      password: '12345678',
    });
    expect(res.status).to.equal(200);
  });
});

Laravel (PHPUnit)

Artisan made it easy to scaffold:

php artisan make:test TransactionTest

Used RefreshDatabase trait and actingAs($user) for auth tests

public function test_wallet_transfer()
{
    $user = User::factory()->create();
    $this->actingAs($user);
    
    $response = $this->post('/api/v1/transfer', [...]);
    $response->assertStatus(200);
}

2. CI/CD Pipelines

Node.js with GitHub Actions + Docker

Linted, tested, and built app
Pushed Docker image to DigitalOcean Container Registry
Deployed via docker-compose to staging and prod

jobs:
  build:
    runs-on: ubuntu-latest
    steps:
      - uses: actions/checkout@v2
      - run: npm install && npm test
      - run: docker build -t revolut-clone-app .
      - run: docker push registry/revolut-clone-app:latest

Laravel CI/CD Flow

Used Deployer and GitHub Actions
Auto-tested via PHPUnit
Built assets using npm run prod
Synced .env and ran migrations

3. Docker & Containerization

Every service—Node/Laravel app, Redis, Mongo/MySQL, and NGINX—ran in its own container.

Dockerfile Example (Node):

FROM node:18
WORKDIR /usr/src/app
COPY . .
RUN npm install
CMD ["node", "server.js"]

Dockerfile Example (Laravel):

FROM php:8.2-fpm
RUN docker-php-ext-install pdo pdo_mysql
COPY . /var/www

`docker-compose.yml` (for both stacks):

services:
app:
build: .
ports:
– “8080:8080”
depends_on:
– db
db:
image: mysql:8
environment:
MYSQL_ROOT_PASSWORD: secret

4. Process Management & Monitoring

Node.js:

Used PM2 to manage processes

pm2 start server.js --name "revolut-clone"
pm2 save
pm2 startup

Laravel:

Deployed via Apache + Supervisor
Supervisor managed Laravel queue workers for delayed jobs (like KYC review emails)

5. Error Tracking & Logs

Node.js: Used Winston for structured logs, streamed to Papertrail
Laravel: Used Monolog with Slack alerts and daily log rotation

6. Deployment Environments

Staging: separate database, limited seed data, exposed only via VPN
Production: firewall rules, read-only replicas for reporting, Cloudflare in front of API

Pro Tip:

Always keep your docker-compose.override.yml for local development configs—like custom ports or volume mounts—so production stays clean.

Pro Tips from Real-World Development: Speed, Scale & UX Wins

After building the Revolut clone in both JavaScript and PHP, launching it, and watching real users interact with it, I picked up a ton of real-world lessons. These aren’t textbook tips—they’re field-tested moves that saved hours, prevented bugs, and boosted performance.

Here are some of the best:

1. Start with Static Fees, Then Go Dynamic

You’ll want to build dynamic fee tables upfront (for FX margins, withdrawal fees, crypto spreads), but hardcode them at first. Launch faster, then add admin-configurable logic later.

How I did it:

Laravel: Used .env keys like WITHDRAWAL_FEE_PERCENTAGE
Node.js: Read fee configs from a config.js file, then eventually stored in DB

2. Cache Like It’s Your Job

Nothing kills performance like fetching live exchange rates or querying transaction history on every load.

My caching moves:

Redis for storing exchange rates and static configs
Indexed queries for transactions and wallets
Laravel: Used Cache::remember(...) for frequent dashboard stats
Node: Used node-cache in small apps, Redis in larger ones

3. Design Mobile-First, Test Thumb Zones

Revolut users are mostly mobile-first. Every action—send money, switch currency, view balance—should be reachable with your thumb.

UX hacks I used:

Bottom nav bar (React) or floating action buttons (Blade)
Swipeable cards to show wallets
Large tap zones (min 48px height)

4. Don’t Rely on External APIs Too Heavily

APIs break. Fixer.io might go down. Razorpay might time out. Always have fallbacks:

Cache last known exchange rate
Allow retry for failed top-ups
Manual override via admin panel

5. Always Use Decimal for Currency

Never use floats. Ever.

Laravel:

Use DECIMAL(16, 2) fields in your migration

Node + MongoDB:

Store amounts as string, then cast using Big.js for math

6. Separate Admin Panel Logic from Main App

Don’t let the same auth system or permissions leak from admin to user space.

Different middleware groups
Different route prefixes (/admin/*)
Different JWT secrets (in Node) or guards (in Laravel)

7. Add a Transaction Audit Log

Every wallet change must be traceable—who initiated it, from where, what IP, what device.

Laravel: Used model observers and ActivityLog package
Node.js: Created a logs collection and centralized logger

8. Batch Cron Jobs Instead of On-Demand Triggers

Instead of converting currency rates or syncing balances on every request, schedule it.

Laravel: Used php artisan schedule:run
Node: Used node-cron + Redis TTL cleanup

When to Go Custom vs. Clone

If you’re validating an idea or launching fast, start with a clone base. That’s why our Revolut Clone at Miracuves ships with:

Pre-built modules for wallets, transactions, KYC
Stripe/Razorpay already integrated
API + admin panel ready

Once your user base scales or you need unique features (e.g., crypto staking, stock investing), then think about custom builds.

Pro Tips from Real-World Development: Speed, Scale & UX Wins

Here are some of the best:

1. Start with Static Fees, Then Go Dynamic

You’ll want to build dynamic fee tables upfront (for FX margins, withdrawal fees, crypto spreads), but hardcode them at first. Launch faster, then add admin-configurable logic later.

How I did it:

Laravel: Used .env keys like WITHDRAWAL_FEE_PERCENTAGE
Node.js: Read fee configs from a config.js file, then eventually stored in DB

2. Cache Like It’s Your Job

Nothing kills performance like fetching live exchange rates or querying transaction history on every load.

My caching moves:

Redis for storing exchange rates and static configs
Indexed queries for transactions and wallets
Laravel: Used Cache::remember(...) for frequent dashboard stats
Node: Used node-cache in small apps, Redis in larger ones

3. Design Mobile-First, Test Thumb Zones

Revolut users are mostly mobile-first. Every action—send money, switch currency, view balance—should be reachable with your thumb.

UX hacks I used:

Bottom nav bar (React) or floating action buttons (Blade)
Swipeable cards to show wallets
Large tap zones (min 48px height)

4. Don’t Rely on External APIs Too Heavily

APIs break. Fixer.io might go down. Razorpay might time out. Always have fallbacks:

Cache last known exchange rate
Allow retry for failed top-ups
Manual override via admin panel

5. Always Use Decimal for Currency

Never use floats. Ever.

Laravel:

Use DECIMAL(16, 2) fields in your migration

Node + MongoDB:

Store amounts as string, then cast using Big.js for math

6. Separate Admin Panel Logic from Main App

Don’t let the same auth system or permissions leak from admin to user space.

Different middleware groups
Different route prefixes (/admin/*)
Different JWT secrets (in Node) or guards (in Laravel)

7. Add a Transaction Audit Log

Every wallet change must be traceable—who initiated it, from where, what IP, what device.

Laravel: Used model observers and ActivityLog package
Node.js: Created a logs collection and centralized logger

8. Batch Cron Jobs Instead of On-Demand Triggers

Instead of converting currency rates or syncing balances on every request, schedule it.

Laravel: Used php artisan schedule:run
Node: Used node-cron + Redis TTL cleanup

When to Go Custom vs. Clone

If you’re validating an idea or launching fast, start with a clone base. That’s why our Revolut Clone at Miracuves ships with:

Pre-built modules for wallets, transactions, KYC
Stripe/Razorpay already integrated
API + admin panel ready

Once your user base scales or you need unique features (e.g., crypto staking, stock investing), then think about custom builds.

Pro Tips from Real-World Development: Speed, Scale & UX Wins

Here are some of the best:

1. Start with Static Fees, Then Go Dynamic

You’ll want to build dynamic fee tables upfront (for FX margins, withdrawal fees, crypto spreads), but hardcode them at first. Launch faster, then add admin-configurable logic later.

How I did it:

Laravel: Used .env keys like WITHDRAWAL_FEE_PERCENTAGE
Node.js: Read fee configs from a config.js file, then eventually stored in DB

2. Cache Like It’s Your Job

Nothing kills performance like fetching live exchange rates or querying transaction history on every load.

My caching moves:

Redis for storing exchange rates and static configs
Indexed queries for transactions and wallets
Laravel: Used Cache::remember(...) for frequent dashboard stats
Node: Used node-cache in small apps, Redis in larger ones

3. Design Mobile-First, Test Thumb Zones

Revolut users are mostly mobile-first. Every action—send money, switch currency, view balance—should be reachable with your thumb.

UX hacks I used:

Bottom nav bar (React) or floating action buttons (Blade)
Swipeable cards to show wallets
Large tap zones (min 48px height)

4. Don’t Rely on External APIs Too Heavily

APIs break. Fixer.io might go down. Razorpay might time out. Always have fallbacks:

Cache last known exchange rate
Allow retry for failed top-ups
Manual override via admin panel

5. Always Use Decimal for Currency

Never use floats. Ever.

Laravel:

Use DECIMAL(16, 2) fields in your migration

Node + MongoDB:

Store amounts as string, then cast using Big.js for math

6. Separate Admin Panel Logic from Main App

Don’t let the same auth system or permissions leak from admin to user space.

Different middleware groups
Different route prefixes (/admin/*)
Different JWT secrets (in Node) or guards (in Laravel)

7. Add a Transaction Audit Log

Every wallet change must be traceable—who initiated it, from where, what IP, what device.

Laravel: Used model observers and ActivityLog package
Node.js: Created a logs collection and centralized logger

8. Batch Cron Jobs Instead of On-Demand Triggers

Instead of converting currency rates or syncing balances on every request, schedule it.

Laravel: Used php artisan schedule:run
Node: Used node-cron + Redis TTL cleanup

When to Go Custom vs. Clone

If you’re validating an idea or launching fast, start with a clone base. That’s why our Revolut Clone at Miracuves ships with:

Pre-built modules for wallets, transactions, KYC
Stripe/Razorpay already integrated
API + admin panel ready

OncePro Tips from Real-World Development: Speed, Scale & UX Wins

Here are some of the best:

1. Start with Static Fees, Then Go Dynamic

You’ll want to build dynamic fee tables upfront (for FX margins, withdrawal fees, crypto spreads), but hardcode them at first. Launch faster, then add admin-configurable logic later.

How I did it:

Laravel: Used .env keys like WITHDRAWAL_FEE_PERCENTAGE
Node.js: Read fee configs from a config.js file, then eventually stored in DB

2. Cache Like It’s Your Job

Nothing kills performance like fetching live exchange rates or querying transaction history on every load.

My caching moves:

Redis for storing exchange rates and static configs
Indexed queries for transactions and wallets
Laravel: Used Cache::remember(...) for frequent dashboard stats
Node: Used node-cache in small apps, Redis in larger ones

3. Design Mobile-First, Test Thumb Zones

Revolut users are mostly mobile-first. Every action—send money, switch currency, view balance—should be reachable with your thumb.

UX hacks I used:

Bottom nav bar (React) or floating action buttons (Blade)
Swipeable cards to show wallets
Large tap zones (min 48px height)

4. Don’t Rely on External APIs Too Heavily

APIs break. Fixer.io might go down. Razorpay might time out. Always have fallbacks:

Cache last known exchange rate
Allow retry for failed top-ups
Manual override via admin panel

5. Always Use Decimal for Currency

Never use floats. Ever.

Laravel:

Use DECIMAL(16, 2) fields in your migration

Node + MongoDB:

Store amounts as string, then cast using Big.js for math

6. Separate Admin Panel Logic from Main App

Don’t let the same auth system or permissions leak from admin to user space.

Different middleware groups
Different route prefixes (/admin/*)
Different JWT secrets (in Node) or guards (in Laravel)

7. Add a Transaction Audit Log

Every wallet change must be traceable—who initiated it, from where, what IP, what device.

Laravel: Used model observers and ActivityLog package
Node.js: Created a logs collection and centralized logger

8. Batch Cron Jobs Instead of On-Demand Triggers

Instead of converting currency rates or syncing balances on every request, schedule it.

Laravel: Used php artisan schedule:run
Node: Used node-cron + Redis TTL cleanup

When to Go Custom vs. Clone

If you’re validating an idea or launching fast, start with a clone base. That’s why our Revolut Clone at Miracuves ships with:

Pre-built modules for wallets, transactions, KYC
Stripe/Razorpay already integrated
API + admin panel ready

Once your user base scales or you need unique features (e.g., crypto staking, stock investing), then think about custom builds. your user base scales or you need unique features (e.g., crypto staking, stock investing), then think about custom builds.

Final Thoughts: Building a Revolut Clone as a Full-Stack Dev

Looking back, building a full-featured Revolut clone—twice—was one of the most challenging yet rewarding projects I’ve done. It forced me to think like:

A bank, for trust, compliance, and accuracy
A designer, for mobile-first UX and instant feedback
A product owner, prioritizing features that mattered most
And a developer, balancing scalability with speed to market

Here’s what stood out most:

Trade-Offs I Navigated

Laravel got me to MVP faster, no doubt. The conventions, migrations, and validation rules saved a ton of time in the early sprints.
Node.js gave me more flexibility later—especially when building real-time dashboards and microservices for things like card usage alerts and exchange rate syncs.
Both stacks were viable, but your choice depends on your roadmap. If you’re aiming to iterate fast and have a strong PHP team, Laravel wins. If you’re scaling for millions and want total control over API and real-time flow, go with Node.js.

What I’d Do Differently Next Time

Implement multi-tenant support early, in case the product is white-labeled for others
Start with a design system (e.g., Tailwind UI or custom Figma kit) instead of winging it screen-by-screen
Bake in event-based architecture (e.g., using queues or Kafka) for transaction events and KYC flows

A Founder’s Takeaway

If you’re a startup founder, my advice is simple: Don’t start from scratch unless you have a strong reason to.

Speed, iteration, and getting something in users’ hands quickly matters more than “perfect code.” That’s why our ready-to-launch Revolut Clone at Miracuves gives you everything you need:

Flexible stack options (Node or Laravel)
Admin dashboard, wallets, transfers, KYC, and payment already wired
The ability to customize and scale based on your goals

You don’t need to reinvent banking—you just need a fast, secure, modern way to deliver it. This clone is that shortcut.

FAQs

1. How long does it take to build a Revolut clone from scratch?

If you’re building from scratch with a small team, expect 3–5 months for a functional MVP with basic modules (auth, wallets, transactions, KYC). Using a clone base like Miracuves’ Revolut Clone can reduce that to under 3 weeks.

2. Which stack should I choose—Node.js or Laravel?

Choose Node.js if your app requires real-time interactions, modular services, and future scaling across regions. Laravel is ideal if you need to launch fast, with cleaner scaffolding and a structured backend out of the box.

3. Can I integrate crypto wallets or investment features later?

Yes. The architecture supports extensions. Start with fiat wallets, and layer in crypto modules (e.g., Web3 wallets or CoinGecko APIs) as your user base matures. Make sure the DB schema and transaction engine are modular.

4. How secure is a Revolut clone in production?

Security depends on implementation. With encrypted tokens (JWT/Sanctum), validated inputs, webhooks for payments, and audit trails, the app can meet real-world fintech security standards. Always add 2FA, logging, and IP tracking.

5. Can I manage everything via admin panel?

Yes. Admins can approve users, review KYC, manage fee structures, and even adjust balances. Whether built with Nova (Laravel) or React (Node), the admin dashboard is robust and fully role-based.

What do you think?

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Behind the Build: Developing a Fintech App Like Revolut Step-by-Step

Table of Contents

Choosing the Right Tech Stack for Your Revolut Clone

1. JavaScript Stack: Node.js + React

Backend: Node.js (Express)

Frontend: React (with TailwindCSS)

Pros:

Cons:

2. PHP Stack: Laravel (or CodeIgniter)

Backend: Laravel

Frontend: Blade + Bootstrap (or Vue.js optionally)

Pros:

Cons:

My Recommendation?

Database Design for a Scalable Revolut Clone

1. Core Tables & Collections

Users Table

Wallets Table (One per Currency)

Transactions Table

2. KYC & Compliance Tables

3. Flexibility & Nested Structures in MongoDB

4. Scalability Considerations

Pro Tip:

Key Modules & Features in the Revolut Clone App

1. Multi-Currency Wallet System

In Node.js (Express + MongoDB):

In Laravel (MySQL):

Frontend (React or Blade):

2. Send / Receive Money (Peer Transfers)

Backend Logic in Both Stacks:

Laravel Example:

Node.js Example:

3. Currency Exchange Module

Exchange Rates via API:

Conversion Endpoint:

Laravel Version:

4. Admin Panel (User Management, KYC, Audit)

Laravel:

Node.js:

5. Notifications & Activity Logs

Bonus: In-App Card Simulation

Data Handling: APIs vs Manual Listing Options

1. Third-Party API Integrations

Example: Currency Exchange Rates

In Node.js:

In Laravel:

Example: KYC Verification with Sumsub

Node.js Webhook Handler:

Laravel Listener:

2. Manual Content Management via Admin Panel

Examples:

Laravel:

Node.js:

Data Security & Audit Trail

Tip for Founders:

API Integration: Structuring Endpoints in Node.js and Laravel

1. API Structure & Routing

In Node.js (Express)

In Laravel (api.php)

2. Sample Endpoints (in Both Stacks)

a. User Registration & Login

b. Send Money (Peer-to-Peer)

c. Currency Conversion

d. Wallet Balances

3. Authentication and Middleware

4. Rate Limiting and Security

Frontend & UI Structure: Building a Clean, Mobile-First Banking Experience

1. React Frontend (Node.js Stack)

Key Layout Decisions:

Sample Folder Structure:

2. Blade Frontend (Laravel Stack)

Blade File Structure:

Example Snippet: Wallet Card

3. Mobile-First Considerations

React Mobile Nav Example:

4. Animations & Feedback

5. UX Wins

Pro Tip:

Authentication & Payments: Secure Login and Transaction Handling in Node.js and Laravel

1. Authentication

`docker-compose.yml` (for both stacks):