Taqanu - Consultant
2018
B2C
After attending Baltic Honey Badger in Vilnius in 2017 we were hired by Taqanu to consult with launching their Digital Trust Program – a smartphone‑based identity platform that enables refugees to open basic bank accounts under Germany’s newly reformed “basic account” rule. Taqanu’s goal was to solve two core problems: refugees’ inability to prove identity and banks’ KYC barriers to onboarding vulnerable populations.
Scope & Approach
Conducted regulatory mapping of Germany’s Basic Bank Account law and EU KYC requirements
Designed end‑to‑end user flows (sign‑up, identity proofing, consent management) in Figma
Developed a technical architecture spec for a GDPR‑ and PSD2‑compliant backend capable of issuing limited digital IDs
Built strategic partnerships with two German banks for API‑based account provisioning
Deliverables
A prioritized product roadmap and technical specification document
High‑fidelity Figma prototypes covering onboarding, identity verification, and bank linking
Integration playbook detailing API schemas, security controls, and compliance checkpoints
Pilot execution plan with KPIs, user recruitment criteria, and feedback loops
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