Open-source demo
Banking that feels calm, clear, and in your control.
UmerPay is a full-stack portfolio playground: virtual cards, biometric passkeys for login and payments, IBAN transfers, beneficiaries, CSV statements, and a PWA — MIT licensed so you can fork and experiment.
UmerPay wallet
PKR ••••••••
Tap through the app to reveal your real demo balance
•••• •••• •••• 4242
Limits · freeze · demo pay — all in Cards
Technical
Muhammad Umer Sheraz
I built UmerPay to showcase how far you can take a credible banking UI in the open — readable typography, dark-first layout, and real flows (not just mock screens). Explore the live app, read the code, and treat it as a learning sandbox: it's not a licensed institution and holds no real money.
Why this project exists
Most portfolio pieces stop at a single screen. UmerPay goes further: authentication, a ledger-style transfer path, optional WebAuthn, exports, and an admin slice — the kinds of seams you hit in real product work, packaged as a cohesive demo you can run locally or on Vercel.
Use it to study patterns, steal ideas for your own apps, or show recruiters a live link that actually does something when you click around. Contributions and feedback are welcome; the goal is curiosity, not compliance-grade banking.
What you can explore
Sign in or open an account — everything here is implemented end-to-end. No fake buttons; each area talks to the API and database (demo data only).
Virtual cards
Create demo virtual debit cards, set daily and monthly spend limits, freeze or unfreeze anytime, and run a simulated card payment that debits your main balance.
Biometric login & payments
Use WebAuthn passkeys — Face ID, Touch ID, or Windows Hello — for passwordless sign-in. Optionally confirm transfers with your passkey instead of a one-time code (enable in Settings).
Transfers & IBAN
Send money by account number or UMER IBAN, preview the payee’s name before you pay, save frequent recipients as beneficiaries, and get a receipt / invoice link.
Statements & export
Browse your activity by date range and download a CSV statement — handy for demos and portfolio walkthroughs.
OTP verification
Sign up with email and phone, confirm with a 6-digit code (demo-friendly; never ship OTP hints in production APIs).
Install as an app (PWA)
Add UmerPay to your home screen or desktop from the browser — standalone icon, dark theme, feels closer to a native banking app.
Secure sessions
JWT in HTTP-only cookies, bcrypt password hashing, and role-aware routes — customer vs admin areas stay separated.
Admin console (demo)
A seeded admin can credit or debit customer balances with simple audit-style logging — for portfolio demos only, not real operations.
Ready to click through?
Create a demo account in seconds, or sign in if you already have one. The codebase is on GitHub whenever you want to peek under the hood.