Cooperatives across Africa require wallet systems that respect compliance, automation, and local workflows. At CTS, we start with discovery workshops to map member journeys, cash flow rules, and ledger expectations. From there, we design data models that support multi-wallet flows, savings groups, loans, reconciliations, and settlement APIs. By leaning on Flutter + Firebase for client apps and Supabase for rule-based ledgers, we can ship unified experiences on mobile and web. Every deployment includes observability, audit-ready logging, and role-based access controls.