Note: Landing page, User, Merchant, and Agent web versions are added with the package.

Qunzo is a complete software solution for launching your own digital financial services platform. Regular users, local agents, and business merchants are the three user groups for which this business-ready system offers individual apps. For a regular User, it works like a powerful money app on your smartphone. You can register an account, add money, and send or request money from others. You can also pay bills, shop with merchants, and hold different currencies in different wallets. When you need physical cash, you can easily cash out your digital money from a local Agent.

For a Merchant, it is a full payment system. They can receive payments directly from users within the Qunzo network or integrate the payment gateway into their own website to accept payments from their customers. After receiving payments, the merchant can withdraw their earnings from the system.

For an Agent, it is a business opportunity. Agents act as local service points for users. They help users add physical cash to their digital accounts and allow users to withdraw their digital money as physical cash. For both of these services, the Agent earns a commission.

The system also includes many features like a real-world registration process, creating payment links for invoices, generating gift codes, and exchanging wallet money. It supports a wide range of automatic payment gateways like PayPal, Stripe, and Flutterwave for fast and secure transactions. Lastly, the functionality of the full platform is managed through a secure admin dashboard, and the business owner has total control of it.

Demo Details:

Preview Pages: https://qunzo-preview.tdevs.co

Landing Page: https://qunzo.tdevs.co/

User App Demo: Download User APK
User Web Demo: https://qunzo-user.tdevs.co/
Email: user@qunzo.com
Password: 12345678

Agent App Demo: Download Agent APK
Agent Web Demo: https://qunzo-agent.tdevs.co/
Email: agent@qunzo.com
Password: 12345678

Merchant App Demo: Download Merchant APK
Merchant Web Demo: https://qunzo-merchant.tdevs.co/
Email: merchant@qunzo.com
Password: 12345678

Merchant API Doc: https://qunzo.tdevs.co/api-documentation

Admin Login: https://qunzo-admin.tdevs.co/admin/
Email: admin@qunzo.com
Password: 12345678

Stripe Demo Card: 4242424242424242
Expiry Date: Any date in the future, CVV: 123

Admin Features

Dashboard
In the Dashboard menu, if there is a Manual deposit, Pending Withdraw request, Pending verifications, and Support Tickets, then the Admin can see this after logging into the admin panel. They are immediate tasks to complete first. Then the admin can see the cards with all the basic data of the system. You can explore other statistics and recently Registered users.

Customers
In the Customers menu, there are all the registered customers can be found. There are other Active customers, Closed customers, and Disabled customers, and the admin can send all users any message immediately. Admin can edit any of the customer details to find their activities. Admin can add or subtract a balance from any user. Admin can change all the performing statuses.

Agents
In the Agents menu, there are all the registered agents can be found. Admin can edit any of the agent details to find their activities. Admin can add or subtract a balance from any agent. Admin can change all the performing statuses.

Merchants
In the Merchants menu, there are all the registered merchants can be found. Admin can edit any of the agent details to find their activities. Admin can add or subtract a balance from any merchant. Admin can change all the performing statuses.

Verification Management
Admin can set the Verification form for users, agents, and merchants, and check and review each user’s verification. Also can see the history of the verifications.

Manage Roles and Manage Staffs
In the Manage Roles menu, the admin can add any of the roles to the application and can assign any of the permissions to that role. And in the Manage Staffs menu admin can add new staff and can assign any of the roles to the staff with their permission.

Transactions
All the Transactions can be explored in this menu.

Transactions Fees & Limits
Admin can set the fees and limits for all types of transactions.

Currencies
Admin can set the currencies and conversion rates for the system.

Automatic Gateways
Admin can see the automatic payment gateways for deposit and withdrawal. He can set multiple currencies in a single gateway supported. Multiple currency-supported gateways are available.

Deposits
In the Deposit menu, the admin can edit any of the automatic deposit methods. Also, can set the Manual Deposit methods and review any of the manual deposit requests. Also, can explore the deposit histories.

Automatic and Manual Withdraws
Admin can set for user automatic and manual withdrawal methods.

Manage Referral
Admin can set the Multi-Level Referrals with the percentages.

Settings
Under the Site settings admin can set the site essentials and manage the permissions and many other essential stuff. In email settings admin can set up the SMTP.

Pages
All the page’s contents can be added to a new custom page from this menu by the admin.

Templates
Under the Template menu admin can manage Email, SMS, and Notification templates.

Support Tickets
Admin can explore all the Support Tickets from this menu.

Custom CSS
Admin can add custom CSS code from this menu.

Cron Jobs
Admin can set up the cron job for the needs of the systems.

Clear Caches
Admin can Clear Caches by clicking this menu.

Application Details
In this menu, the admin can explore the full Application Details

User Features

Dashboard
In the dashboard, the user can see all their wallets, quick links, and recent transactions.

Deposit
Users can deposit from here using any automatic or manual deposit method.

Exchange Wallet
Users can exchange their funds from one wallet to another.

Gift Codes
Users can create and share gift codes with other users. Users can also redeem the gift codes.

Request Money
Users can request money from other users and also accept or reject the money request.

Invoice
Users can create invoices, send a payment link to the Customer, and receive payments.

Money Transfer
Users can transfer the funds to another user.

Merchant Payment
Users can make payments to any of the merchants.

Agent Cashout
Users can cash out their funds to any of the agents.

Transactions
The user can see all transactions there.

Withdraw Money
The User needs to add a Withdraw account first, then can request a Withdraw. Once a request is created, the admin needs to review the request and send money to the user manually.

Referral
All the user’s Referral details will show here. Also can be shown the referral tree.

Support Ticket
The user can open a ticket to the admin, and the admin can reply to that ticket to solve the issues or anything.

Settings
On the settings page, the user can edit and update all the profile settings. Also can change the Password, manage Two-factor security, etc.

Agent Features

Dashboard
In the dashboard, the agent can see all their wallets, quick options, and recent transactions.

Deposit
Agents can deposit from here using any automatic or manual deposit method.

Cash In to User
Agents can cash in on any user from here and earn commission.

Transactions
Agents can see all transactions that will show there.

Withdraw Money
The agent needs to add a Withdraw account first, then can request a Withdraw. Once a request is created, the admin needs to review the request and send money to the user manually.

Support Ticket
An agent can open a ticket to the admin, and the admin can reply to that ticket to solve the issues or anything.

Settings
On the settings page, the agent can edit and update all the profile settings. Also can change the Password, manage Two-factor security, etc.

Merchant Features

Dashboard
In the dashboard, the merchant can see all their wallets, quick options, and recent transactions.

API Access Key
In the API Access Key, the merchant can see their public and secret keys. They can also regenerate the keys.

Transactions
The merchant can see all transactions there.

Withdraw Money
The merchant needs to add a Withdraw account first, then can request a Withdraw. Once a request is created, the admin needs to review the request and send money to the user manually.

Support Ticket
The merchant can open a ticket to the admin, and the admin can reply to that ticket to solve the issues or anything.

Settings
On the settings page, the merchant can edit and update all the profile settings. Also can change the Password, manage Two-factor security, etc.

Key Features:

Customer Management
Agent Management
Merchant Management
Real World Registration Process
Biometric Log In For All Apps
Real Time Push Notification With Firebase
Transaction Fees & Limits Management
Verification Management
25+ payment gateway supports
Support Ticket
Staff Management
Role Management
Fund Transfer
Gift Voucher
Request Money
Register Field Settings
Plugin Settings
Invoices
Cash In
Cash Out
Exchange Wallet
Merchant Payment
Merchant Payment API
Built In Payment Gateway
Merchant Api Docs
Multi currency or Multi Wallet
Automatic Gateways
Automatic and Manual Deposit
Automatic & Manual Withdraw
Crypto and Fiat Currency
2FA Verification
Multi Level Referrals
Admin URL changeable
User Ranking System
Referral Bonus
Signup Bonus
Balance Add and Subtract
Pages Management
Pages SEO
Custom Site Currency
Notification with tone
Site Maintenance Mode
Language Settings
Email Newsletter
Permissions Settings
Inactive User Settings
Site Bonus Settings
Custom CSS
Clear Caches
System Details

System Requirements for Backend:

PHP >= 8.3+
MySQL 5.7+

For React Setup

Node.js v20.18+
NPM v10+

System Requirements for Flutter:

Flutter SDK: 3.35.7
Dart SDK: 3.9.2

Icons:

Flat Icon
Lucide Icons

Photo Credit:

Freepik

Note: The item is fully ready to start business instantly. It has included the admin dashboard to manage all the apps and web from it

Version 1.2 – 19th December, 2025

[Added] - Landing Page(ReactJS)
[Added] - Passcode feature
[Added] - Bill Payment Module
[Added] - App Translation for User, Agent, and Merchant
[Added] - Exchange Wallet Feature for Agent and Merchant
[Added] - Invoice Feature for Merchant

Version 1.1 – 5th December, 2025

[Added] - Web Version(ReactJS)
[Added] - React User Web App
[Added] - React Agent Web App
[Added] - React Merchant Web App

Version 1.0 – 13th Oct 2025

Initial Release

Qunzo – Fintech Wallet App and Web with User, Agent and Merchant Modules Including Admin Panel