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Founding engineer, then Head of Product·2020 to 2022

pawaBank

Diaspora remittance app, UK to Ghana

The company

pawaBank was a cross border payments product targeting the UK to Ghana remittance corridor. Built on Railsbank as a banking-as-a-service layer, it focused on onboarding, KYC, and business model while Railsbank handled licensing and core banking rails. It covered payments, savings, and early investment features.

The challenge

Building a regulated cross border payments product from zero. Two jurisdictions with different compliance requirements, a high risk corridor, and a small founding team that had to move fast without cutting corners on security or auditability.

My role

I joined as the founding and lead engineer. I wrote the core ledger, built the KYC/AML pipeline, and set up CI/CD and monitoring. When the product grew from MVP to beta, I moved into the Head of Product role: owning the roadmap, running user discovery in Ghana, and aligning engineering, design, and compliance to hit pre launch milestones.

What I built

Core ledger and transaction system

Built the core transaction flows and ledger system with idempotency, audit trails, and error handling designed for cross border payment reliability.

KYC/AML pipeline

Delivered secure onboarding and a full KYC/AML pipeline, including screening and transaction monitoring integrations, designed from the start to satisfy both UK and Ghanaian regulatory requirements.

Product and go to market

Took the product from MVP to beta by owning product requirements and delivery across payments, savings, and early investment features. Led user discovery in Ghana, translating high risk corridor constraints into compliant user experiences. Prioritized partner integrations and go to market milestones.

Infrastructure

Set up CI/CD and monitoring, launched the first closed beta with a small cross functional team.

The product was later sunset.

Tech and tools

TypeScriptPythonREST APIsKYC/AML integrationsTransaction monitoring

Lessons

Starting as the engineer who writes the ledger and ending as the product owner who shapes the roadmap showed me that the best product leaders understand what’s under the hood.
In a high risk corridor like UK to Ghana, compliance is not a blocker. It’s the product. Embedding AML and risk requirements from day one saved us from rework later.

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AI-Native Founding Engineer & Head of Tech and Product. I build founders' first version 0→1, or step in and make the team ship.

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© 2026 Michal Grzelak. All rights reserved.
Based in Wroclaw, Poland. Working globally.

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