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Muhammad WaqarMW
Open to opportunities

Muhammad Waqar

@muhammadwaqar9

I build scalable fintech, blockchain, and full-stack systems that perform under real production load.

Pakistan
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What I'm looking for

I'm looking to build production-grade fintech, blockchain, and full-stack products where scale, reliability, architecture, and maintainability matter beyond the MVP stage.

I’ve built financial infrastructure at tappengine, including loan securitization pipelines, cashflow modeling, waterfall calculations, payment workflows, and AI-assisted data-quality tooling. Previously, I led development across Yadn’s workflow platform and Zogi Labs’ Bitcoin Ordinals gaming, NFT, and wallet infrastructure.

Across fintech, healthcare, real estate, and Web3, I’ve delivered production systems used by hundreds of thousands of people, including the 500K+ active-user wallet platform I built at KryptoMind. I also built a group consultation feature on AWS Chime SDK now deployed across the UK’s NHS. I enjoy solving the problems that emerge after MVP: scale, reliability, architecture, and maintainable systems.

Day to day I work in React, Next.js, React Native, Node.js, NestJS, TypeScript, PostgreSQL and AWS, with deep experience in Ethereum, BSC and Bitcoin. Available for full-time or contract work as an independent contractor.

Experience

Work history, roles, and key accomplishments

tappengine logoTA
Current

Senior Software Engineer

Apr 2025 - Present (1 year 4 months)

Working as a core engineer on a financial infrastructure platform focused on loan securitization, tokenization, and scalable transaction processing systems.

- Contributed to the foundational architecture and early infrastructure setup of the platform across backend, frontend, and cloud systems
- Designed and developed core loan tape stratification workflows and securitization data processing pipe

Yadn | يدن logoYA

Software Engineering Lead

Nov 2024 - Jul 2025 (8 months)

Worked as a core engineer across multiple internal and client-facing products, contributing to frontend systems, platform architecture, and workflow automation tools.

- Developed multiple production-grade static and web platforms for the company before leading development of OLAB, a collaborative workflow management platform combining visual canvases, structured documents, and database-driven wor

Zogi Labs logoZL

Lead Software Engineer

Feb 2024 - Oct 2024 (8 months)

Worked as a lead engineer across multiple blockchain gaming, NFT infrastructure, and Web3 platform initiatives within the Zogi Labs ecosystem.

- Led development of Ordi Gotchis, a WebGL-based Bitcoin Ordinals game integrating blockchain-backed in-game assets and NFT ownership mechanics
- Built Bitcoin Ordinals minting infrastructure and wallet interaction systems to support scalable NFT creation,

Pixelpk Technologies logoPT

Senior Software Engineer Team Lead

Sep 2023 - Aug 2024 (11 months)

Worked across multiple client projects involving healthcare, communication platforms, real-time systems, and scalable web applications, contributing as both a senior engineer and client-facing technical lead.

- Developed Peplog from scratch, a workforce and recruitment platform designed to connect agency owners with workers, with a strong focus on accessibility and usability for disabled users in

Utopia Homes: America's 1st Rent to Own Exchange logoUE

Founding Software Engineer

Oct 2022 - Nov 2023 (1 year 1 month)

Joined Utopia Homes as a founding engineer and worked across the entire product and engineering stack, contributing to the platform from its early-stage architecture through production growth.

- Helped build the core platform infrastructure and product systems for a large-scale real estate and rent-to-own marketplace in the US
- Developed scalable frontend and backend systems supporting property

UH

Founding Software Engineer

Utopia Homes

Oct 2022 - Nov 2023 (1 year 1 month)

Founding engineer for a real estate rent-to-own marketplace. Built core platform infrastructure, property search, payment workflows, and analytics systems.

KryptoMind LLC logoKL

Senior Full Stack Engineer

Oct 2021 - Sep 2023 (1 year 11 months)

Worked across multiple blockchain and fintech products within a blockchain-focused services company, contributing to architecture, development, deployment, and scaling of multi-chain wallet and digital asset platforms.

- Developed and deployed BlockMerchants, a multi-chain crypto wallet platform supporting Bitcoin, Ethereum, and BNB Chain.
- Built mobile wallet infrastructure in React Native with

Coding Pixel logoCP

Full Stack Mobile Application Engineer

Jan 2020 - Oct 2021 (1 year 9 months)

Worked primarily as a React Native mobile application developer, contributing to development, deployment, and maintenance of multiple production-grade iOS and Android applications across social, streaming, marketplace, mapping, and blockchain domains.

- Developed and deployed Stripe, a music streaming application with subscription workflows, in-app purchases, media streaming, and mobile-first use

Education

Degrees, certifications, and relevant coursework

UP

University of the Punjab

BS Software Engineering, Computer Software Engineering

2018 - 2022

University of the Punjab logoUP

University of the Punjab

Bachelor of Science, Computer Software Engineering

2018 - 2022

Pursued a Bachelor of Science in Software Engineering, focusing on computer software engineering principles and practices.

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