MVP Development
    Kem

    Building the Crypto App Backed by TetherTrusted Across the Middle East

    How Luby partnered with Kem to design, build, and launch a self-custody crypto wallet for users in Kuwait and emerging markets — from a limited MVP to a production-grade app, live on iOS and Android.

    • 250,000+

      Active users on the platform

    • US$3M

      Investment from Tether

    • 150+

      Countries where Kem Cards are accepted

    The Client

    Kem — Financial freedom through crypto

    Kem is a fintech platform built for the Middle East — crypto assets, digital dollars, gold, and a physical debit card where traditional banking is costly or hard to access. The company raised US$3M from Tether and was recognized as Audience Favorite at the Visa Everywhere Initiative in Qatar.

    Kem App — production wallet live on official app stores.

    Challenge

    Financial inclusion through crypto — in demanding markets

    Kem needed more than developers — a partner able to turn a limited MVP into a financial-grade product, integrate complex flows, pass App Store review for crypto, and ship with pixel-perfect execution.

    From MVP to market-ready

    Meet financial-grade standards for security, scalability, and performance in a sensitive market.

    Complex flows & integrations

    Align architecture with business rules, financial flows, and card/payment infrastructure.

    Trust for crypto newcomers

    Deliver an experience that feels simple and trustworthy for users new to digital assets.

    App Store & compliance

    Navigate Apple review for self-custody crypto — including appeals and formal follow-ups.

    Our approach

    From vision to production

    Luby led product and engineering across the full lifecycle — mobile, ownership, integrations, and App Store execution.

    Step 01

    Cross-platform mobile

    React Native with platform-specific refinements for iOS and Android — performance, security, and one consistent experience.

    Step 02

    Product & delivery

    Luby’s Product Owner embedded with Kem — backlog, scope, and releases aligned with Kem’s own developers.

    Step 03

    Integrations & go-live

    PIBs for payments and onboarding; Interlace for Kem Cards in 150+ countries; direct App Store engagement until approval.

    Features delivered

    Crypto: BTC, ETH, USDT — send, receive, exchange
    Gold investment and transfers
    Top-ups, withdrawals, Kem Cards (150+ countries)
    PIBs onboarding; Interlace card issuance
    Payment requests between contacts
    Design governance and pixel-perfect UI
    Results

    Live, validated, ready to scale

    A modern, secure platform on official app stores — built to grow across emerging markets.

    iOS & Android

    Approved on the App Store after direct engagement with Apple’s review team

    Backed by Tether

    US$3M investment validating product vision

    Visa recognition

    Audience Favorite — Visa Everywhere Initiative Qatar

    Global spending

    Kem Cards via Interlace in 150+ countries

    Integrated stack

    Payments, exchange, cards, and onboarding in sync

    Scale-ready

    Architecture and delivery model for regional and global growth

    Tech & stack

    Technologies & expertise

    Client testimonial
    The quality of the people working there is of the highest level. Luby Software delivered high-quality work on time, meeting the client's expectations. The team was detail-oriented and meticulous in their project management and documentation.

    — COO, Kem App

    Ready to build your fintech from zero — with global scalability?

    Talk to our team about MVP development, product delivery, and getting to production in regulated markets.

    Fale conosco

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