Mohamed Yousif

🚀 Fintech Pioneer • Open Source Champion • Serial Entrepreneur

6+ Years in Fintech
$890K+ Saved for Companies
100K+ Lives Impacted
15+ Open Source Projects

🎯 My Mission

"Breaking down financial barriers through code. I believe technology should empower the underserved, not exclude them. From building Sudan's largest open-source payment gateway to pioneering offline blockchain payments, I'm on a mission to democratize financial services globally."

💪 Core Competencies

🏗️ System Architecture

Designed and built payment systems processing millions in daily transactions. Expert in creating scalable, fault-tolerant fintech infrastructure with 99.99% uptime.

  • Microservices & Event-Driven Architecture
  • High-throughput payment processing
  • Real-time transaction systems

💰 Business Impact

Saved $890K+ by building in-house solutions. Reduced time-to-market by 50% through strategic technical decisions.

  • Cost optimization strategies
  • Vendor negotiation & management
  • ROI-focused development

👥 Leadership

Scaled teams from 1 to 15+ engineers. Mentored 50+ developers through open source and workshops.

  • Technical team building
  • Agile transformation
  • Knowledge transfer programs

🔐 Security & Compliance

Led 10+ rounds of security audits with central banks. Expert in financial regulations and standards.

  • PCI DSS & EMV implementation
  • ISO8583/ISO20022 protocols
  • Regulatory compliance

🚀 Career Journey

    <div class="timeline-item">
        <div class="timeline-dot"></div>
        <div class="timeline-content">
            <div class="timeline-year">2021 - Present</div>
            <div class="timeline-title">Co-Founder & Tech Advisor</div>
            <div class="timeline-company">Sharik • UAE</div>
            <p><strong>Building the future of mobile banking in crisis-affected regions</strong></p>
            <ul>
                <li>🏆 Secured partnerships with World Bank, Catholic Refugee Services, and 249 Startups</li>
                <li>📱 Built Android banking app with ML-powered KYC using Jetpack Compose</li>
                <li>🔐 Pioneered offline payments combining Ethereum blockchain with EMV chips</li>
                <li>☁️ Architected scalable backend on AWS (Lambda, DynamoDB, SNS/SQS)</li>
                <li>🤝 Established blockchain partnerships with MSX Abu Dhabi and SUI Layer 1</li>
            </ul>
        </div>
    </div>

    <div class="timeline-item">
        <div class="timeline-dot"></div>
        <div class="timeline-content">
            <div class="timeline-year">2021 - Present</div>
            <div class="timeline-title">Co-Founder & CTO</div>
            <div class="timeline-company">Tuti Tech Investment • UAE</div>
            <p><strong>Scaled engineering team and delivered massive cost savings</strong></p>
            <ul>
                <li>👥 Grew team from 1 to 15 engineers with zero attrition</li>
                <li>💰 Delivered agency banking for $10K vs $900K external quote</li>
                <li>⚡ Cut time-to-market by 2 quarters through smart architecture</li>
                <li>🔄 Migrated legacy Android to modern Jetpack Compose</li>
                <li>💬 Built real-time chat with Redis pub/sub and WebSockets</li>
            </ul>
        </div>
    </div>

    <div class="timeline-item">
        <div class="timeline-dot"></div>
        <div class="timeline-content">
            <div class="timeline-year">2019 - 2021</div>
            <div class="timeline-title">Founder & Lead Engineer</div>
            <div class="timeline-company">Solus Ltd • Sudan</div>
            <p><strong>Created Sudan's largest open-source payment gateway during revolution</strong></p>
            <ul>
                <li>🥇 First vendor to pass CBOS approval in round one</li>
                <li>💪 Single-handedly maintained full stack during internet shutdowns</li>
                <li>🔧 Built noebs - now used by multiple banks across Africa</li>
                <li>🌐 Survived coup, pandemic, and built government systems</li>
                <li>🎯 Won bid for Ministry of Petroleum fuel management system</li>
            </ul>
        </div>
    </div>

    <div class="timeline-item">
        <div class="timeline-dot"></div>
        <div class="timeline-content">
            <div class="timeline-year">2018 - 2019</div>
            <div class="timeline-title">Lead Backend Engineer</div>
            <div class="timeline-company">Ashrafcom • Sudan</div>
            <p><strong>Managed payment infrastructure for entire government invoice system</strong></p>
            <ul>
                <li>🏛️ Handled all government payment processing (taxes, customs, VAS)</li>
                <li>🔒 Led PCI DSS certification through 10 rounds of testing</li>
                <li>🛠️ Rescued thousands of non-functional POS terminals</li>
                <li>💡 Reverse-engineered missing SDKs and built solutions in C</li>
                <li>📊 Reported directly to CEO on critical government projects</li>
            </ul>
        </div>
    </div>

    <div class="timeline-item">
        <div class="timeline-dot"></div>
        <div class="timeline-content">
            <div class="timeline-year">2021 - 2023</div>
            <div class="timeline-title">Fintech Consultant</div>
            <div class="timeline-company">UNDP • Sudan</div>
            <p><strong>Technical advisor for financial inclusion initiatives</strong></p>
            <ul>
                <li>📋 Reviewed policies for SACCOS and credit unions</li>
                <li>🏗️ Designed technical platforms for e-SACCOS</li>
                <li>🔗 Built integrations with National ID systems</li>
                <li>📈 Helped secure $1M+ funding for microfinance projects</li>
            </ul>
        </div>
    </div>
</div>

🛠️ Technical Expertise

Go
Python
Kotlin
JavaScript
TypeScript
C/C++
Dart
Jetpack Compose
Flutter
React
Angular
AWS
Docker
Kubernetes
Redis
PostgreSQL
ISO8583
EMV
PCI DSS
Blockchain
Smart Contracts
ML/AI
Prometheus
Grafana

🌟 Featured Projects

noebs - Open Source Payment Gateway

Sudan's largest fintech open-source project, processing millions in transactions daily.

  • Complete payment processing suite
  • SDKs for Android, Flutter, and web
  • RESTful APIs with extensive documentation
  • Real-time payments via WebSocket
  • POS integration capabilities
Go Redis PostgreSQL Docker

🔗 View on GitHub

    <div class="project-card">
        <div class="project-header">
            <h3>Offline Blockchain Payments</h3>
        </div>
        <div class="project-body">
            <p>Revolutionary solution enabling transactions without internet connectivity.</p>
            <ul>
                <li>Ethereum smart contracts for tamper-proof ledger</li>
                <li>EMV chip cards as secure offline wallets</li>
                <li>POS network bridge to blockchain</li>
                <li>Automatic sync when connected</li>
                <li>Serving remote areas with no infrastructure</li>
            </ul>
            <div class="project-tags">
                <span class="project-tag">Ethereum</span>
                <span class="project-tag">Solidity</span>
                <span class="project-tag">EMV</span>
                <span class="project-tag">C++</span>
            </div>
        </div>
    </div>

    <div class="project-card">
        <div class="project-header">
            <h3>Government Digital Infrastructure</h3>
        </div>
        <div class="project-body">
            <p>Multiple national-scale projects for Sudan government ministries.</p>
            <ul>
                <li>COVID-19 rapid response system (Health Ministry)</li>
                <li>Supply chain tracking for subsidies (Trade Ministry)</li>
                <li>Fuel subsidy management with IoT (Petroleum Ministry)</li>
                <li>GIS-based tracking and analytics</li>
                <li>Real-time monitoring dashboards</li>
            </ul>
            <div class="project-tags">
                <span class="project-tag">Python</span>
                <span class="project-tag">PHP</span>
                <span class="project-tag">AWS</span>
                <span class="project-tag">IoT</span>
            </div>
        </div>
    </div>

    <div class="project-card">
        <div class="project-header">
            <h3>ML-Powered KYC System</h3>
        </div>
        <div class="project-body">
            <p>Advanced identity verification for mobile banking in crisis regions.</p>
            <ul>
                <li>On-device ML using Android ML Kit</li>
                <li>Document verification and liveness detection</li>
                <li>Offline-capable verification</li>
                <li>Compliance with international standards</li>
                <li>Processing 10K+ verifications daily</li>
            </ul>
            <div class="project-tags">
                <span class="project-tag">Kotlin</span>
                <span class="project-tag">ML Kit</span>
                <span class="project-tag">TensorFlow</span>
                <span class="project-tag">Android</span>
            </div>
        </div>
    </div>
</div>

🏆 Impact & Recognition

🌍

International Partnerships

World Bank, UNDP, Catholic Refugee Services, 249 Startups

🎓

Knowledge Sharing

500+ developers trained, 50+ technical articles, 20+ conference talks

💡

Innovation

First CBOS approval, pioneered offline blockchain payments

🤝

Community Building

Co-founded Sudan COOP movement, open source champion

🎯 Current Focus

Building the next generation of financial infrastructure for emerging markets

🚀 Scaling Sharik

Target: 1M+ users across MENA region

🌐 Expanding noebs

Becoming Africa's payment backbone

🤖 AI Banking

Next-gen features with GPT integration

🔗 Cross-Border

Blockchain-powered remittances

📬 Let's Connect

Open to advisory roles, speaking engagements, and collaboration on impactful projects

📄 Download Resume 💻 GitHub 💼 LinkedIn 🐦 Twitter 🎬 Presentations