Poketo.
A mobile-money overlay wallet that splits one balance into purposeful "pockets" — for savings, group funds, goals and kids’ school allowances.
On mobile money, everything sits in one undifferentiated balance. There is no simple way to set money aside for rent, a savings group or a child’s school allowance — so money blends together and people lose track of where it actually goes.
We built Poketo, an overlay wallet that lets people organize money into named pockets — personal, shared, goal-based and kids’ allowances — on the mobile-money rails they already use. A laminated QR card lets parents load weekly allowance that children spend at school with a PIN, while merchants accept payments through QR checkout.
From problem to launch, step by step.
Discovery
Studied how families and savings groups actually move money, and where a single mobile-money balance breaks down.
Wallet Core
Built the pockets model and ledger in Flutter with Riverpod, backed by Supabase auth and data.
Kids & Merchants
Added the kids-pocket QR card, PIN spend at school canteens, and merchant QR checkout with real-time parent notifications.
Security & Launch
Implemented PIN and biometric security, a clear transaction ledger and spend alerts across every pocket.
The core features.
Poketo turns a single mobile-money balance into intentional, trackable pockets — helping families budget, savings groups stay organized, and parents manage school allowances with confidence.