MUHAMMAD Z.Private profile: Upwork shows its earnings only to signed-in members, so we check it every few weeks, not daily. MRR here is a rough estimate (Upwork's six-month earnings ÷ months active). Last read Nov 5, 2026.

I'm Zia Khan, a senior full-stack and mobile developer with 10+ years of experience, leading mobile app development at Quecko, a software and blockchain development company with 120+ in-house developers. Over the past 10 years I've built and shipped real, production products across fintech, AI, crypto, e-commerce, and gaming, not demos. Neobank & fintech: Veyro (VeyroPay), a self-custody neobank on Base combining smart contract wallets, gasless transactions, card issuance, and cross-chain swaps for fiat and crypto, real fintech infrastructure at the center of modern digital banking. Crypto wallets: Tomi Wallet (non-custodial multi-chain wallet, 50,000+ active users, one of roughly 100 wallets globally approved by WalletConnect), Flash Wallet, and Switchero Wallet, all live on the App Store and Google Play. AI apps: Joni AI, a multi-agent AI operating system with a central brain delegating tasks across 8 specialized agents (Marketing, Development, Design, BD & Sales, Data Analyst, Finance, Legal, Personal Assistant), live on both stores. E-commerce & lifestyle: Quick Grocery Mart, a full grocery ordering and delivery app, and Diet And Cheat, a diet and meal coaching app with 30,000+ active clients, both live on iOS and Android. Gaming & crypto trading: Cash Casino, a live decentralized casino platform with crash, mines, dice, blackjack, and plinko, and Rain.one, a top 3 global prediction market with $140.65M+ TVL. I've also worked on token launchpad infrastructure (Solana Vibez Launchpad, Gems.vip). What I do: Fintech & neobank infrastructure: card issuance, account abstraction, gasless transactions, fiat/crypto swaps AI-powered mobile apps: OpenAI/Claude integration, AI agents and automation, conversational assistants Non-custodial crypto wallets: multi-chain support, wallet connectivity (MetaMask, WalletConnect), secure transaction handling Full-stack mobile development: React Native for iOS and Android, Node.js backend, REST APIs E-commerce and marketplace apps: ordering, delivery, subscriptions, payments Gaming platforms: real-time game logic, provably fair mechanics, wallet integration Payment infrastructure: both traditional (Stripe) and crypto payment integration Firebase/Supabase, authentication, push notifications, App Store and Google Play deployment Tech stack: React Native, Node.js, TypeScript, Solidity, Rust, Web3.js/Ethers.js, PostgreSQL/MongoDB, Firebase/Supabase, OpenAI/Claude APIs. I'd rather show you real, live products across these categories than list every buzzword, happy to walk through any of them in detail, Veyro's neobank architecture, Joni AI's agent system, or Tomi Wallet's AI-voice integration, whichever is most relevant to what you're building.