Payments & Bankingintermediate2026POC · App + Data Flow

3-D Secure Online Shopee

Mai buys iPhone 12M on Shopee with VCB card — 3DS popup + SMS OTP.

ReactXYFlowFramer Motion

App interface

Real-product UI mockup — interact directly

Architecture inside — animates as you act

Đang tải POC…

Same category, different angle.

Mai picks 1 of 5 methods on Shopee: VietQR, MoMo, Visa, COD, BNPL. Each has different MDR/speed/cost.

OAuth + PSD2: bank → fintech consent, token, and transaction-fetch flow.

Mai opens MoMo and authenticates via VNeID — 5 selected fields shared, not everything.