Case StudyFinTech · Real Estate

Xabi

An all-in-one real estate solution built to relieve the mental stress of rent for every Nigerian. Rental savings, rental loans, a property marketplace, wallets, and Xabi Tokens, everything a renter needs in a single mobile-first product designed for speed, trust and financial dignity.

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5Core Features

2Platforms

40+App Screens

1App for All Renters

PropertyMarketplace

RentalSavings Built-In

RentalLoans Available

Wallet& Transactions

MobileFirst Design

About the Client

Ribiax Estate Limited

Ribiax Estate Limited is a technology-driven real estate and innovation company headquartered in Nigeria. The firm specialises in building transformative digital platforms that address deep inefficiencies in high-value sectors, with a particular focus on real estate, financial technology, and digital product innovation for the Nigerian market.

Having identified rent as one of Nigeria's most persistent sources of financial stress, where millions face landlord pressure, lump-sum demands, and no structured way to save or borrow for shelter, Ribiax commissioned Xabi as its response: a mobile-first, all-in-one platform that gives every Nigerian renter the financial tools they need to take control of their housing situation.

Ribiax Estate LimitedProduct Owner · Nigeria

Project Overview

IndustryReal Estate, FinTech & Consumer Financial Technology

ProductAll-in-One Real Estate & Rental Finance Platform

PlatformsWeb Application, Mobile App (iOS & Android)

Tech StackNextJS · Laravel · Java · ReactJS · React Native · Tailwind CSS · Vite · MySQL · REST API · Redis

Core FeaturesSavings · Loans · Wallet · Marketplace · Refer & Earn

Team6 Engineers, 1 UI/UX Designers, 3 QA Specialists

Delivered BySmartTech Solutions

About the App

The app that takes the stress out of rent in Nigeria.

Xabi is built on a simple, powerful truth: shelter is a right, not a privilege, and no Nigerian should face landlord embarrassment, lump-sum rent panic, or financial paralysis because they lack the right tools. Xabi puts those tools in every renter's pocket.

Users can set up a rental savings plan that automatically sets aside a configured portion of their monthly salary toward rent, leaving the rest of their income intact. When savings fall short, Xabi's rental loan system provides fast, in-app financing with clear repayment terms.

Beyond finance, Xabi's property marketplace makes finding a rental or purchase property fast and seamless, smart search, rich listings, and a direct path from discovery to enquiry. A Refer & Earn programme and Xabi Tokens layer rewards on top of every action, making the platform as engaging as it is useful.

NextJSLaravelJavaReactJSReact NativeTailwind CSSViteMySQLREST APIRedis

xabi.ng/rental-savings

Zero-Stress RentPay · Save · Borrow

The Challenge

Building a multi-feature fintech platform for a market that demands trust.

Xabi had to simultaneously solve savings, lending, payments, property discovery, and cross-platform delivery, in a market where fintech trust is hard-won, data infrastructure is uneven, and users live on mobile. These were the six hardest problems we solved.

Multi-Feature Financial Architecture

Designing a single, coherent system that simultaneously handles rental savings, loan origination, wallet management, peer transfers, and a property marketplace, each with its own data model, business logic, and compliance requirements, without performance or reliability trade-offs.

Rental Savings Engine & Affordability Logic

Building a savings engine that deducts a configured portion of a user's monthly salary for rent accumulation, with flexible contribution schedules, grace periods, interest calculations, and goal-tracking, while keeping the remaining salary accessible and visible in real time.

Rental Loan Origination & Credit Assessment

Engineering a short-cycle rental loan system with automated eligibility checks, repayment scheduling, and interest computation, designed for users with no formal credit history, requiring alternative data signals and a robust risk-scoring model built from the ground up.

Property Marketplace & Smart Search

Building a full-featured property discovery platform with location-based smart search, filter-and-sort logic, listing management for agents, and a seamless inquiry-to-transaction flow, all optimised for the bandwidth and device constraints of Nigerian users.

Mobile-First Cross-Platform Delivery

Delivering a consistent, high-performance product across web (NextJS), iOS (React Native), and Android (React Native) from a single codebase, while optimising layouts, touch interactions, and performance specifically for mobile-primary users across varying network conditions.

Financial Trust & Security in a Sensitive Market

Building the security layer that earns user trust in a market with high fintech scepticism, end-to-end encrypted transactions, multi-factor authentication, real-time fraud signals, and transparent audit trails on every financial action across wallets, loans, and savings.

User Engagement

Every screen designed to reduce rent anxiety.

From property discovery and rental savings to in-app loans, wallet transactions, and referral rewards, every Xabi screen was designed to make financial empowerment feel intuitive, fast, and within reach for every Nigerian renter.

The Process

How we built a financial platform that Nigerians trust.

Six structured phases took Xabi from a market insight about rent stress to a production-ready, multi-feature fintech and property platform, designed mobile-first and built with no shortcuts in financial engineering or user trust.

Discovery & Financial Product Design

In-depth sessions with Ribiax stakeholders mapped every user financial journey, saving targets, loan needs, property discovery, and wallet behaviour. Output: full PRD, user personas, and a validated product architecture.

Platform Architecture & Systems Design

Architects designed the Laravel API, MySQL schema, savings engine, loan origination system, wallet transaction ledger, property data model, and the proxy pattern that connects all surfaces, web, iOS, and Android.

Mobile-First UI/UX Design

All screens designed mobile-first with Tailwind-aligned spacing and a visual language calibrated for financial trust and approachability. Property search, loan flows, savings dashboards, and wallet actions all prototyped and validated before code.

Backend API & Financial Engine Development

Laravel API built with the rental savings engine, loan origination logic, wallet ledger, Xabi Tokens system, and property listing management, running on a MySQL data layer with Redis session caching and real-time transaction processing.

Web & Mobile Application Development

NextJS web app and React Native mobile apps built in parallel sprints, sharing a single API contract. Vite-powered build pipeline, Tailwind CSS design system, and continuous cross-platform testing at every milestone.

Security Audit, QA & Phased Launch

Full security audit across all financial flows, end-to-end QA of savings, loans, wallet, and marketplace journeys, cross-platform sync validation, and a staged rollout to the first cohort of Xabi users with live monitoring.

Enhancing Experience

World-class UI for a product that carries real weight.

Xabi deals with money, shelter, and financial anxiety, three of the most emotionally charged areas in any user's life. When a platform handles rent savings, short-term loans, and wallet transactions, the UI has to do more than look good. It has to communicate safety, clarity, and control at every single interaction.

SmartTech Solutions applied world-class UI craft to Xabi, the same level of precision you expect from the best global fintech products, calibrated for Nigerian users, Nigerian behaviour patterns, and the mobile-first reality of how people engage with financial tools in Nigeria today. Every screen earns the user's trust before asking for it.

Mobile-First Design Precision
Every screen was designed for thumbs first, touch targets, gesture flows, and information density all calibrated for users who live on their phones and need instant access to their rent savings and wallet.
Financial Trust Interface Design
In a market where fintech scepticism is high, every UI decision, colour, microcopy, feedback state, was made to communicate security, reliability, and transparency at every financial interaction.
Property Discovery Experience
The property marketplace was designed to make finding a home feel fast and effortless, smart search filters, rich listing cards, and a seamless transition from discovery to enquiry to transaction.
Cross-Platform Visual Consistency
Web and mobile share a single design language. Users switch between browser and phone with zero friction, the Xabi experience is identical across every surface, every time.

6+ Core FeaturesOne Seamless App+ Xabi Token Rewards

Web + iOS + Android3 PlatformsOne design system

Solution & Results

A complete platform that puts rent in Nigerian hands.

SmartTech Solutions designed, architected, and delivered the complete Xabi platform, from the Laravel financial API and MySQL data layer to the NextJS web app, React Native mobile apps, savings engine, loan system, wallet infrastructure, and property marketplace.

The result is a production-ready, multi-feature fintech and real estate platform that gives Nigerian renters the savings discipline, credit access, and property discovery tools they need to live without rent stress.

Build With Us

Property Marketplace with Smart Search

A full-featured property discovery platform with location-based search, advanced filters, listing management for agents, and a seamless enquiry-to-transaction flow for buyers and renters.

Rental Savings System

A goal-based savings engine that helps users set rent targets, configure automated monthly contributions, track progress in real time, and achieve financial security before their rent is even due.

Rental Loan Management

A short-cycle rental loan system with in-app origination, automated eligibility assessment, flexible repayment scheduling, and full loan history, giving users a financial bridge when savings fall short.

Wallet & Transaction Infrastructure

A full-featured in-app wallet supporting deposits, withdrawals, peer-to-peer transfers, and a complete transaction ledger, giving users a single financial hub for every Xabi activity.

Refer & Earn Programme

A built-in referral system that rewards users with Xabi Tokens for every successful invite, driving organic growth, deepening engagement, and creating a loyalty layer within the financial product.

Web + Mobile Dual-Platform Delivery

A complete NextJS web application and React Native mobile apps (iOS & Android), sharing one API, one design system, and one brand identity, giving every Nigerian user access to Xabi on any device.

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The property management platform they built runs our entire portfolio now, from listings to lease renewals. Flawless handoff, flawless support.

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Chief Experience Officer

Listing to lease is now a five-minute workflow instead of a two-day back-and-forth. Buyers notice, and so does our close rate.

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