BillBox — White-Label Mobile Banking & VTU Platform

Launch your own neobank-style VTU brand in days, not months. BillBox is a complete, commercial-grade Nigerian fintech stack — a Flutter mobile app paired with a Laravel 12 + Filament 3 backend — already wired into the country's most-used payment, telco, and KYC infrastructure.

Unlike generic VTU scripts, BillBox ships with dedicated virtual NUBAN accounts (Wema Bank, via Paystack), bank-grade Zauthy authentication, and a polished, white-label-ready UX that rivals Opay, Kuda, and PalmPay. Your users sign up once, get a real Nigerian bank account inside the app, fund it by transfer, and spend it on airtime, data, electricity, TV, education, insurance, betting top-ups, and even international flights — all through one wallet.

What's in the box

• Flutter mobile app (Riverpod + GoRouter + Dio) — iOS, Android, and Web-ready, built with Lucide icons and a refined, conversion-optimized UI.
• Laravel 12 API with Filament 3 admin panel for managing users, transactions, KYC, support tickets, commissions, and provider configs.
• Zauthy auth — signup, login, password reset, email verification, phone OTP. No half-baked Sanctum flows; gated routing locks unverified users to /verify-email.
• Paystack dedicated virtual accounts — every user gets a real Wema NUBAN on KYC completion. Bank transfers, account resolution, and BVN verification all integrated.
• VTPass services — airtime, data, cable TV, electricity, education (WAEC/JAMB), and insurance, with real provider logos and full transaction history.
• Duffel flight booking — USD pricing auto-converted to NGN (cached 1h). Supports ±3 flexible-day search via 7 parallel queries for best fares.
• Retenshun + Postalynk — push notifications, transactional email, analytics, with Postalynk as fallback delivery for guaranteed inbox hits.
• Supoora — embedded in-app support chat widget so users never leave the app to get help.

Why operators love it

• One-time license, full source — no SaaS fees, no revenue share, no vendor lock-in.
• Live deployment ready — already running at billbox.foundrcode.com on a Hostinger-style stack so you know it works on cheap hosting.
• Real Nigerian rails — every integration is the one local fintechs actually use in production, not Stripe-flavored stand-ins that don't work for your buyers.
• Commission engine — earn a margin on every airtime/data/bill purchase out of the box; toggleable per service.
• Compliance-friendly — BVN-gated wallet activation, transaction limits, and full audit logs in Filament.

Who it's for

• Indie founders launching a neobank/VTU brand in Nigeria, Ghana, Kenya, or any market with similar VAS rails.
• Agencies building bespoke fintech apps for clients who want a Kuda/Opay-style experience without the 18-month build.
• VTU resellers ready to graduate from WhatsApp groups and Excel sheets to a real product.

Deploy your own brand on top of BillBox in a weekend. We'll even install it for you.