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I solve hard product problems. AI products, payment systems and Web3 platforms, built end to end.

I’m Muzammil Ahmad. Founders and teams in Europe and the US bring me hard product problems: AI features that have to be reliable, money that has to move correctly, platforms that have to ship. I take the whole thing to production, not one layer of it.

Available for scoped builds, retainers and senior contract roles. Current work: AI and full-stack builds for clients, and CashTap, a USDC payment product.

years professional
5+
projects shipped
57+
delivered for clients
$2M+
on-time delivery
100%

Selected clients and products

  • Realioo Swiss real estate
  • CashTap Crypto payments
  • StuffRescue Nonprofit marketplace
  • AthenaAI AI search product
  • Alyve Wellness AI supplement recommendations
  • Ownex RWA, Sweden
  • Astar Degens NFT DAO
  • Trade Bridge Marketplace
  • W-Group Video platform

Selected work

Products across payments, AI and Web3.

Payment infrastructure, tokenization platforms and AI products for companies in Europe and the US, delivered end to end. Open one for what was built and what was hard. What I offer today is under Capabilities.

  1. 01

    CashTap

    Payments product2024, ongoing

    Crypto payment infrastructure on USDC, Base and Lightning

    Next.jsNode.jsTypeScriptBase+8
  2. 02

    StuffRescue

    Nonprofit organization2026, ongoing

    Nonprofit item sharing where no client input can move money

    ReactSupabaseStripeGemini 3.5 Flash Lite+9
  3. 03

    Realioo

    Swiss real estate firm2024 to 2025

    Tokenized property auctions for a Swiss real estate firm

    Next.jsNode.jsStrapiSolidity+7
  4. 04

    AthenaAI

    AthenaAI2023 to 2024

    AI search product: the app, token rewards, staking and governance

    Next.jsThirdwebSolidityHardhat+1

5 more, plus 6 smaller builds.

Client testimonials

What clients say, on their own phones.

Recorded by clients on their own phones after we shipped, published unedited. Tap one to play with sound.

Prefer to talk to someone I have worked with? Ask for a reference call.

  • These kinds of developers are very, very difficult to find. And when I do find them, I hold on to them.

  • The patience and clarity and open communication, every single time I wanted something changing or building or putting right, is honestly fantastic.

Capabilities

One person across the whole path.

From the model call or the contract to the checkout button. Five areas I work in, and below them, the payment and identity providers I have integrated or evaluated.

01

AI products

Retrieval over your documents with answers that cite their sources, agents that call your APIs behind permission checks, and the eval set, cost tracking and UI that keep it reliable. Inside an existing product or as a new AI SaaS.

  • RAG: embeddings, pgvector, Pinecone
  • Agents and tool calling
  • LLM APIs: OpenAI, Anthropic, open models
  • Evals, guardrails, cost control
  • Streaming chat and search UIs
  • AI SaaS: auth, billing, multi-tenant

02

Full-stack product builds

The application itself: dashboards, onboarding, admin tools, APIs and background jobs. Built so your team can run it, extend it and hire against it.

  • React, Next.js, TypeScript
  • Node.js, Express
  • Postgres, Supabase, MongoDB
  • Auth, sessions, webhooks
  • Data-heavy dashboards
  • Stripe billing

03

Crypto payments and on-ramps

Invoicing, payment links, settlement in stablecoins, and the fiat rails around them. Payments modeled as a state machine with idempotent webhooks and on-chain reconciliation. Shipped in production.

  • USDC on Base
  • Lightning Network
  • Per-invoice wallets
  • Fiat on/off ramps
  • Gasless transactions
  • Webhook reconciliation

04

Smart contracts and tokenization

Solidity contracts written and tested with Foundry. Real world asset tokenization, NFT mechanics, staking, governance and soulbound credentials.

  • Solidity, Foundry
  • ERC-721, ERC-20, ERC-1155
  • RWA tokenization
  • Staking and DAO governance
  • Soulbound Tokens
  • ERC-4337 account abstraction

05

Compliance, infrastructure, delivery

KYC and AML flows inside regulated products, deployment and monitoring, and the documentation a team needs to run what I hand over.

  • KYC: Stripe Identity, BankID
  • AWS: EC2, Amplify, DynamoDB, S3
  • VPS: Contabo, Hetzner
  • Sentry monitoring
  • Netlify, Vercel
  • API docs and Postman

Provider matrix

Payments, wallets and compliance providers I have worked with

In production Evaluated
  • StripeCards, payoutsIntegrated
  • Stripe IdentityKYCIntegrated
  • Coinbase Onramp / OfframpFiat to cryptoIntegrated
  • BridgeUSDC to bank wiresIntegrated
  • CrossmintWallet infrastructureIntegrated
  • AlchemyRelayer, gaslessIntegrated
  • TransakOn-ramp for payment linksIntegrated
  • LayerswapLightning bridgingIntegrated
  • ThirdwebContracts, walletsIntegrated
  • ChainlinkOraclesIntegrated
  • Swedish BankIDIdentityIntegrated
  • OpenZeppelin DefenderRelayers, ERC-4337Integrated
  • Boltz ExchangeLightning to USDC swapsEvaluated
  • ChangeNOWSwaps APIEvaluated
  • PrivyEmbedded walletsEvaluated
  • ZKP2PP2P on-rampEvaluated
  • x402Agent-to-agent HTTP paymentsEvaluated
  • EEZPAYOn-rampEvaluated

About

Full stack, with depth in the two hard parts.

I’m based in Islamabad and work with founders and product teams in Europe and the US, directly and through Upwork, on scoped builds, retainers and senior contract roles.

I go deep on the two hard parts: AI that has to be reliable, and money that has to move correctly (payment rails, tokenization, KYC). I ship the whole product and stay until it runs in production.

Companies arrive with different names for the same need: full stack, AI, Web3. What they get here is one accountable owner who takes the problem to production.

How I work

I own the outcome, not a layer

Model calls, contracts, API, front end, payments, compliance. One owner means no leaky seams.

Production first

Tests, monitoring, idempotent webhooks, evals for anything with an LLM in it. The boring parts keep a product alive.

Async by default

Written updates, decisions recorded, demos on a URL. Time zones stop mattering.

Honest about trade-offs

If a plan will cost you time or money, you hear it early, with a better option attached.

Based in
Islamabad, Pakistan (PKT, UTC+5)
Clients
Founders, product teams and agencies in Europe and the US, direct and through Upwork
Stack
TypeScript, React, Next.js, Node.js, Postgres, MongoDB, LLM APIs, Solidity
Building
CashTap, a USDC payment product on Base and Lightning

Book a call

Tell me what you’re building.

Thirty minutes. You describe the problem, I ask questions, and you leave with a clear next step, whether or not that step is me. If it is, you get a written scope and price within a few days.

Prefer to write first?

malikmzl123@gmail.com
Time zone
PKT, UTC+5. Overlaps European hours.
Typical start
Scope in days, first demo within two weeks.
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Working together

Three ways to engage. One way of working.

Pick the shape that fits your situation. Scope and price come in writing after the intro call, before anything starts.

01

Scoped build

You have a defined feature, integration or MVP. I write the scope, quote a fixed price, and ship in weekly increments, usually with a demo each week.

Good for: an AI feature or RAG pipeline, a payment integration, a token contract and dashboard, an MVP with a deadline.

02

Monthly retainer

A set number of days per month for ongoing product work. You get senior hands that know the codebase without hiring full time.

Good for: products in market that need steady, senior hands, and agency overflow or white-label delivery.

03

Senior contract role

Embedded in your team in a senior or lead role, part-time or full-time, remote, with hours that overlap Europe.

Good for: teams building AI, payments or Web3 products who need depth on the full stack.

Process

  1. 01

    Intro call

    30 minutes. We go through the problem, the constraints and the timeline, and decide if it is a fit.

  2. 02

    Written scope

    A short document with what gets built, what does not, the stack, the timeline and the price.

  3. 03

    Weekly demos

    Working software on a staging URL every week. You see progress, not status reports.

  4. 04

    Handover

    Deployed, monitored, documented. Tests, environment notes and a walkthrough for your team.

Questions clients ask

The practical details.

Anything not covered here is a good topic for the intro call. Book a 30-minute call.

Working together

Directly. The contract and invoices are with me. If your team prefers a platform for escrow and paperwork, Upwork works as well.

AI and data

Payments, code and ownership