Tbay

Selling an unused gift card for cash is slow and risky when you don’t trust the buyer. Tbay puts escrow and bonded vendors between both sides.

A peer-to-peer marketplace where people trade gift cards for local currency. Vetted vendors compete on rates, trades are escrow-protected, and payouts go straight to a bank or mobile-money wallet.

Part of the Kobet FinTech family — Tbay, VivaKard, TimuCard and BitOwi — that I helped architect and ship with a team across Dubai, China and Sri Lanka.

The problem

Gift-card holders want cash without the risk of trading with strangers.

The approach

Escrow-protected trades with vetted vendors competing on live rates, and payouts to bank or mobile money.

What it includes

• Escrow-protected trades
• Live vendor rates
• Bank & mobile-money payouts
• KYC and two-factor authenticationAcross the Kobet app family.

Role

• Architected and delivered cross-platform FinTech apps (crypto, wallet, KYC, 2FA) with real-time data.
• Led a cross-country team across Dubai, China and Sri Lanka: planning, releases, documentation and CI/CD.
• Shipped production releases to Google Play and the App Store.

Reported outcomes

• 1M+downloads on Google PlaySource: Google Play listing, Oct 2026
• 4.6★from 42.6K reviewsSource: Google Play listing, Oct 2026
• 3countries in the delivery teamSource: CV