Case study · BMTX · Backend

Identity verification platform

A partner-facing KYC/IDV platform built from scratch, as a gRPC public gateway plus domain engine, a Spring Batch pipeline for PGP-encrypted cohort files, and a decision layer over Socure.

Context

BM Technologies (BMTX, formerly BankMobile) is based in Pennsylvania, US. I worked there remotely and full-time, overlapping my first year at ixo. The goal: turn KYC / identity verification (IDV) into a product for the company’s university partners.

Approach

  • Two services, built from scratch: a gRPC public gateway for partners and a domain engine behind it. I was the dominant contributor on both from day one.
  • Bulk verification: a Spring Batch pipeline reads PGP-encrypted student cohort files from Azure Blob Storage, routes each one per school, generates results and quarantines failures.
  • Decisions over Socure: reason codes are fetched and translated, and score-based filtering turns each check into accept, review or reject.

Result

  • Integrated end to end into Azure: App Configuration and Key Vault for config and secrets, Service Bus for messaging, Functions and AKS for hosting.
  • Hardened for production with Redis caching, rate limiting and health checks.

All work