Payment Truth
A payment can look complete and still be unconfirmed. How should a merchant decide when it is safe to release the order?
Simulated validation · Updated 24 September 2026
Read the decisions and inspect the APIHellomy name isYusuf
Technical Product Manager · AI, APIs and fintech
I turn product decisions into working systems.
I'm a software engineer turned product manager and founder, working across AI, APIs and digital products. I connect how people behave with what the product needs to do, how the technology should work, and what the business needs to learn.
- Years building software and products, since 2018
- 8+
- Registered users at Billy, roughly, during my tenure
- 2×
- Of Billy's users active, up from 30–40%
- 80–90%
- Case studies you can inspect
- 3
Product judgement. Technical execution. Work you can inspect.
- Production softwareAn engineering foundation across client applications and operational systems.
- API product workPayment Truth explores how a merchant should act when payment confirmation is uncertain.
- A product I builtThe Product Health Scorecard connects an assessment, personalised results and consent-aware email delivery.
Selected work
The product, the decisions behind it, and the evidence so far.
Product Health Scorecard
A promise made on a form, enforced by the system on every email — including the ones already waiting to be sent.
Working build · Updated 25 August 2026
See how the product and system fit togetherHaylu — AI Business Operations Agent
Can an AI agent answer "where is my order?" from verified facts alone, and know when to hand the case to a person?
Authored specification · Updated 14 October 2026
Follow the product definitionHow I work
Four connected questions shape my work.
Human behaviour
Understand what the person is trying to get done and what makes the next action trustworthy. In the Scorecard, the user-facing consent promise became a requirement for every later email.
Product
Choose the problem and revise the commitment when evidence changes. Payment Truth's commercial review changed its role from a potential product to a reference build.
Technology
Make the system's responsibilities explicit. Payment Truth separates what the provider reports from whether an order can be released; the Scorecard enforces consent when a queued message is sent.
Business
Understand who adopts the product, who operates it and what makes it worth paying for. In the current Haylu definition, the first question is which recurring enquiry consumes enough effort to justify a reliable workflow.
I work through these together. A feature changes the user's experience, the system's responsibilities and the business's commitments at the same time.
Experience
Engineering gave me the foundation. Product widened the responsibility.
I studied computer science at Ahmadu Bello University and started with client websites and applications. My work expanded into operational systems, independent product delivery and company building across fintech, logistics, health and education.
That experience changed the questions I ask. Alongside whether the software works, I want to understand whether people can use it, whether the operation can support it, and whether the business can sustain it.
Today, I'm applying that background to AI workflows, APIs and developer-facing products.
View my experience5 tracks · 2018 – now
01Product ManagerBillyFebruary 2026 – present
WhatsApp-based AI financial assistant for local bank and cryptocurrency transactions.
- Own product discovery, prioritisation, requirements and iteration across engineering, operations, customer support and company leadership.
- Helped guide the product as registered users approximately doubled, from about 2,000–3,000 to 4,000–6,000, during my tenure.
- Contributed to the active-user proportion rising from roughly 30–40% to 80–90% by combining customer interviews, transaction behaviour and product feedback to find adoption barriers.
- Translate AI-assisted financial journeys, transaction failures and customer trust issues into engineering-ready requirements.
- Shape NIBSS-powered payment and cryptocurrency experiences around transaction completion, failure handling, reliability and support escalation.
02Founder & Product LeadDidiiAIJanuary 2026 – present
Pre-launch conversational AI financial assistant for wallet, payment and financial-service tasks.
- Lead 0→1 discovery and definition for an assistant that interprets natural-language financial intent and acts through APIs and financial-service integrations.
- Designed the system flow from intent → clarification → validation → permission → tool or provider execution → confirmation.
- Define the boundaries between AI reasoning, business logic, APIs and deterministic transaction infrastructure.
- Defined safeguards and failure states for balance checks, recipient selection, permissions, provider availability, reversibility and ledger confirmation.
- Coordinate financial-service partners and translate their commercial and technical constraints into requirements and launch priorities.
- Built a series of prototypes, each testing one user or system assumption before expanding scope.
03Founder & Product LeadYussTechJanuary 2018 – December 2025
Independent product and software consultancy; full-time from 2020.
- Owned discovery through launch across digital product engagements in fintech, SaaS, e-commerce and logistics, accountable directly to clients, users and delivery teams.
- Designed payment and KYC flows for Nigerian fintech products.
- Redesigned SaaS onboarding around time to first value.
- Led e-commerce checkout experimentation.
- Defined real-time logistics tracking and route-optimisation workflows.
- Evaluated technical feasibility, system dependencies, integration requirements and delivery trade-offs across client products.
04Web Developer, ContractGrab247 Company LimitedJanuary – December 2022
Logistics company; overlapped with independent work at YussTech.
- Built and deployed logistics-management systems across web and mobile.
- Worked on operational workflows, application integrations and system implementation, simplifying dispatch for internal users.
05Web Developer, InternSQT Web SolutionsMarch 2018 – March 2019
Client websites and applications.
- Built websites and web applications alongside senior engineers.
- Developed foundations in software architecture, technical scoping and production delivery.
Skills
What I bring to the wall.
Drag them around. They're yours to rearrange.
- LLM APIs
- AI agents
- Evaluations
- Guardrails
- Structured outputs
- REST APIs
- Webhooks
- Developer experience
- Payments
- KYC
- Reconciliation
- 0→1
- Discovery
- PRDs
- TypeScript
- Next.js
- PostgreSQL
Now
Building the next layer of proof.
I'm developing a portfolio around two connected problems. I'll update each project with the decisions, artifacts, tests and results as the work develops. Each page shows its current stage and what has actually been demonstrated.
In definition · Updated 14 October 2026
Haylu — AI Business Operations Agent
Latest milestone: the first enquiry workflow is defined. Next question: can a prototype retrieve enough reliable evidence to answer the request or make a useful human handoff?
Explore the developing projectPlanned next project
Agent Reliability & Evaluation Platform
Starting question: what does a developer need to see to explain an agent failure and decide whether a change improved its behaviour?
Work together
Bring the product problem. Let's work through what it needs.
For product teams and recruiters
My focus is technical product work across AI workflows, APIs, integrations and developer products. I'm interested in roles where customer understanding, engineering decisions and commercial responsibility need to come together.
Share the role, the product and the problem the team needs this person to own.
Discuss a product roleFor founders and clients
You may need to define a new product, understand where an existing workflow breaks down, or work out how AI and integrations could help. We start with the problem, the available evidence and the constraints, then agree on a useful scope.
An order and a payment record may disagree. A customer enquiry may require someone to check several systems. Or you may be deciding which part of that work an AI agent should handle.
A useful first output could be a workflow map that identifies the evidence, ownership and failure points; a focused product definition; or a prototype with clear acceptance tests. We choose the output that helps you make the next decision.
Discuss a projectHuman Systems
The thinking behind the work.
In Human Systems, I write about the decisions that connect people, products, technology and business.
All writingThe Promise Is Infrastructure
How a consent commitment shaped the Scorecard's email architecture.
Read the building noteYou Can Build the Wrong Product Correctly
Why a sound implementation still needs the right product direction.
Read the product principleContact
Tell me what needs to work better.
If you're hiring, send the role and the product challenge. If you're building, tell me who the product serves and where you need help. We can start with the question you have now.