Senior Software Engineer · Fintech & Payments · Cairo

Muhammad
Alnaqeeb

Startups bring me in to build the part that can't fail.

Eight years across fintech, crypto and high-traffic platforms — usually owning the services everything else depends on. Right now that's the wallet behind Egypt's largest fleet-payment network: the ledger, the transaction path, and the fraud check in front of both.

What I do

Payments & ledgers

Wallet platforms, double-entry ledgers and transaction workflows. Money systems have one hard requirement — the numbers reconcile, every time, including the times something breaks mid-flight.

Formance · Temporal · PostgreSQL

Distributed systems

Event-driven architectures and the orchestration that holds a long-running process together across a dozen services. Service boundaries drawn so they still make sense a year later.

Kafka · gRPC · Kubernetes

Real time at scale

Order matching for a crypto exchange, live market data, and high-traffic platforms where latency is the product and a bad design shows up immediately.

Go · Redis · ClickHouse

Selected work

2018 – present

Six systems, one habit: the part that can't fail goes first.

Products I built or led the backend for. Each entry is the problem, what I built, and what changed.

  1. Octane

    Fleet-payment wallet

    2024 – present

    Payments · Ledger · Fraud · Temporal · Formance

    Octane raises $5.2M — Wamda ↗
    Problem
    Egypt's largest fleet-payment network — 1,600+ corporate fleets paying for fuel, maintenance and tolls at 2,400+ stations — needed a wallet whose numbers reconcile under fraud pressure and morning-rush load.
    Built
    The ledger and transaction engine every payment runs through (Formance ledger, Temporal orchestration, NestJS/TypeScript, PostgreSQL, ClickHouse, AWS); live OCR verification that checks each transaction before the wallet is charged; the toll-payment integration.
    Changed
    Fraud down 82%; wallet transactions 3× faster (67% lower latency).
  2. PalCards

    Digital recharge & gift-card marketplace

    2023 – 2024 · Dinamo

    Payments · E-commerce · NestJS · GCP

    palcards.ps ↗
    Problem
    Merchants and resellers across the Middle East buying game top-ups and gift cards needed one marketplace with flexible payment options and reporting they could run a business on.
    Built
    The platform and its backend as lead of a 5–10-engineer team — catalog, payments, distributor financial reporting (NestJS, MongoDB, Google Cloud).
    Changed
    Shipped as a live B2B marketplace.
  3. Biddi Market

    On-demand delivery

    2023 – 2024 · Dinamo

    E-commerce · Mobile backends · Event-driven

    biddimarket.ps ↗
    Problem
    A Talabat-style delivery service for Qalqilya with three audiences — customers, merchants, couriers — each needing their own app on one backend.
    Built
    The backend and service boundaries behind the customer, merchant and courier apps; CI/CD that let a small team release often.
  4. Anchornize

    Operations platform for dive centers and marinas

    2022 – 2023 · AtenTEC

    Multi-tenant · Go · GCP · Migration

    anchornize.com ↗
    Problem
    Operators in different countries, currencies and regulations running bookings, trips, inventory and invoicing on spreadsheets and legacy on-prem tools.
    Built
    Multi-tenant, multi-currency platform from the start; event-driven microservices in NestJS and Go on Google Cloud; migration of legacy on-prem apps to GCP with data-sync workflows across a multi-database environment.
  5. Genwin

    Creator-economy platform on Solana

    2021 – 2022

    Crypto · Matching engine · Kafka · Solana

    genwin.io ↗
    Problem
    Creators selling memberships, community tokens and NFTs need wallets, payments and a token market that stays consistent at exchange-like speed.
    Built
    Components of the real-time order-matching engine and order-processing infrastructure (10K orders/second); the Kafka event pipeline for market and trading data; Phantom wallet integration for on-chain transactions.
  6. Zad Academy

    Online Islamic studies platform

    2018 – 2021

    Education · Full-stack · AWS

    zad-academy.com ↗
    Problem
    A global student body in Arabic, English and Spanish, with enrollment peaks that break platforms sized for average load.
    Built
    The learning platform's backend — Express.js APIs and schemas designed for performance and data integrity under peaks — plus the Angular and React Native front ends, Jenkins CI/CD and AWS deployment.

Where I'm useful

I do my best work where a startup is outgrowing its first architecture.

Small teams, real traffic, and decisions that are expensive to reverse. I've spent most of my career in that phase — the point where a service that worked fine for a year starts costing money every time it breaks, and someone has to redesign it without stopping the business.

Much of it where correctness, latency and money meet: an edge case there isn't a bug report, it's a balance that doesn't add up. That means transaction consistency, idempotency, reliable event propagation, and workflows built to be resumed rather than restarted.

And because startup teams are small: service design, architecture review, and mentoring that leaves people able to maintain the thing after I've moved on.

Experience

Full history on LinkedIn

  1. 2026 – now

    Software Consultant contract

    ExpertHub · GreenMobility, Copenhagen · remote

    Financial data platform on Snowflake, telemetry-driven billing, ~40% lower cloud spend.

  2. 2024 – now

    Senior Software Engineer

    Octane, Cairo · hybrid

    Own the wallet — ledger and transaction engine — behind Egypt's largest fleet-payment network.

  3. 2023 – 2024

    Senior Software Engineer contract

    Dinamo MEA · remote

    Led a 5–10-engineer backend team: PalCards, Biddi Market, e-commerce platforms across MEA.

  4. 2022 – 2023

    Software Engineer

    AtenTEC, Dahab

    Led the backend team building Anchornize; on-prem → GCP migration.

  5. 2021 – 2022

    Software Engineer contract

    Genwin, Ottawa · remote

    Order matching and Kafka pipelines for a Solana creator-economy platform.

  6. 2018 – 2021

    Software Engineer freelance

    Zad Academy, Kuwait · remote

    Full-stack for a global online academy.

Education B.E. Electrical, Electronics & Communications Engineering, Alexandria University (2019) · ALX / Holberton Software Engineering (2023) · Data Science Certificate, ExploreAI Academy (2024) · Programming with Google Go Specialization, UC Irvine (2023)

Tools

Highlighted where I go deepest

Languages

GoTypeScript JavaScriptSQL RustPythonBash

Backend & APIs

NestJSNode.js ExpressgRPCGraphQL RESTWebSockets

Architecture

MicroservicesEvent-driven TemporalFormance Ledger Distributed systemsReal-time System design

Infrastructure

AWSGCP KubernetesDocker TerraformCI/CDJenkins Linux

Data & messaging

PostgreSQLKafka RedisMongoDB ClickHouseBigQuerySnowflake

Also

AngularReact Native AuthenticationAccess control EncryptionSecure enclaves

Writing

Notes from the part that can't fail.

Let's talk

Open to senior and staff engineering roles — remote, or with relocation — and to consulting with startups on payments infrastructure and distributed systems.

[email protected]

The full history lives on LinkedIn.