Building the Crypto App
Backed by Tether
Kem is a fintech platform built for the Middle East, enabling users to store value in Bitcoin, hold digital dollars, invest in gold, and transact globally. Luby partnered with Kem from a limited MVP to a production-grade app live on iOS and Android.
Active users on the platform
Investment from Tether
Countries where Kem Cards are accepted
Challenges We Know Well
Kem needed more than a development team. They needed a partner capable of transforming a fragile MVP into a financial-grade product, navigating regulatory hurdles and delivering pixel-perfect execution in an emerging market.
Transforming a limited MVP into production-grade software
Evolving a fragile MVP into a market-ready product that met financial-grade standards for security, scalability, and performance.
Building trust for crypto-new users
Designing an experience that conveyed trust and simplicity for users who may be new to crypto, in a region with limited banking infrastructure.
Navigating Apple App Store approval
Getting a self-custody crypto wallet approved on the Apple App Store — a process requiring direct engagement, formal appeals, and persistence with Apple's review team.
Global card and payment integrations
Integrating payment, card issuance, and banking onboarding infrastructure to support users across 150+ countries with global spending capability.
Our Approach
Luby joined as Kem's strategic product and engineering partner, leading technical development and delivery management across the full product lifecycle.
Step 1
Cross-Platform Mobile Development
We built the Kem application in React Native, delivering a single codebase with platform-specific refinements for iOS and Android, ensuring performance, security, and a consistent experience.
Step 2
Product Ownership & Delivery
Luby's Product Owner integrated directly into Kem's team, managing backlog, scope, and technical deliveries alongside Kem's own developers — aligning vision and execution at every stage.
Step 3
Key Integrations
PIBs for payments and banking onboarding; Interlace for debit card issuance and management, enabling Kem Cards across 150+ countries with compliant global spending.
Measurable Impact
A production-grade fintech platform — live, validated, and ready to scale across the Middle East and emerging markets worldwide.
Active Users
On the platform
Tether Investment
Product validation
Countries
Kem Cards accepted
Ready to build your fintech from zero with global scalability and compliance?
Talk to our specialists and discover how Luby can take your fintech product from concept to production — with financial-grade quality.