I build software where money and data must be right.

See selected work

I build software where money and data must be right.

Building web apps, payments and AI features since 2021. Latest live build: .

Builder pass2026

Full-Stack Developer

AI-native · payments · 5 yrs

Built at

Ejara · Uretia · Choomiie

KumasiAvailable

I build software where money and data must be right. I use AI coding tools every day, and I check every line they write before it ships.

Rafique Adam Cudjoe
Upwork jobs
20
Upwork jobs, with 100% Job Success and Top Rated
Payment providers
5
payment providers shipped live, from Stripe to iyzico
Automated tests
6,610
automated tests across five systems I built alone

Selected work(05)

Five builds across marketplaces, transport, AI and automation, from Turkey to Ghana to the US.

Upwork profile
EyesOnGround home page on a laptop and a phone
EyesOnGroundFull-stack developer (sole)2025
Live in the US

US inspection marketplace, built end to end

A marketplace where buyers book a local agent to inspect a vehicle, machine or boat before they bid. I built it end to end, on my own.

3,043Automated tests
3Inspection tiers, paid into Stripe escrow
Uretia marketplace on a laptop and a phone
UretiaFull-stack developer (sole)2026
Live in Turkey

Livestock marketplace, built end to end

A livestock and farm-supplies marketplace for Turkey. I built it end to end on my own: front end, back end and database.

199 msp95 response time, down from 338–452 ms
99.6%Requests answered in under 300 ms
Choomiie home page on a laptop and a phone
ChoomiieBackend engineer (sole)2026
Live in Ghana

Haulage and rides, with mobile-money escrow

A Ghana platform for haulage, rides and parcel delivery. I am the sole backend engineer: operators bid on loads, and payment waits in escrow until delivery.

3Services: haulage, rides, parcels
WhatsAppBooking right in the chat
How the chat remembers a member across rooms, in four steps
Claude AI chatFull-stack developer (sole)2026
Live for members

AI chat that remembers, no vector database

A members’ chat product built on the Claude API. Members talk to the assistant in separate rooms, and it remembers what matters about each member from one room to the next.

597Automated tests
0Vector databases: memory lives in PostgreSQL
How a Phorest booking reaches HighLevel, in four steps
Booking-to-CRM syncAutomation developer2025

Salon bookings that flow into HighLevel

A salon’s bookings lived in Phorest and its marketing in HighLevel, so staff copied client details by hand. I connected the two through their APIs.

2Systems linked through their APIs
0Client details copied by hand

What people say

Rafique ROCKS something that I was trying to do on my own for hours and hours and hours, he just did it. I really often think I am the most competent person I know until I met Rafique. 10/10

Adan KovinichThe Small Business Marketers

01 / 06

What I do

Capabilities

  • Full-stack apps in Next.js
  • Backends in NestJS and Node
  • Stripe and Stripe Connect
  • Paystack, PayFast and iyzico
  • AI features with Claude and OpenAI
  • Automations in Zapier and HighLevel
  • PostgreSQL design and migrations
  • Identity checks and KYC
  • Code and security audits
  • Deploys, alerts and runbooks

How I work with AI

I use AI coding tools every day, and I read and test every line before it ships. To check the tests themselves, I break the code on purpose and make sure a test fails.

How to start

Send me three lines: what you need built, who will use it, and your deadline. I work from Kumasi on UTC, so my day overlaps fully with Europe and with mornings on the US East Coast.

Rafique Adam Cudjoe

AI-native full-stack developer · Web apps, payments, AI features

Full-stack developer since 2021. I build web apps, AI features and automations end to end, mostly where money or data must be right: Stripe and Stripe Connect, iyzico with 3-D Secure, Paystack, PayFast and Fygaro, all in production. I use AI coding tools daily and test every line before it ships.

Experience

Freelance on Upwork · Full-stack developer

2024 – now

Top Rated · 100% Job Success · 20 jobs. Each project below was an Upwork contract.

Choomiie · Backend engineer (sole)

Aug 2026 – now

Rides, haulage and parcels · Ghana · live

  • Audited the client’s backend, then took over its development.
  • Built wallet and escrow on an append-only ledger, WhatsApp booking and a USSD menu in four languages.

Uretia · Full-stack developer (sole)

Feb 2026 – now

Livestock marketplace · Turkey · live

  • Built the API, member site and admin panel from scratch.
  • Cut p95 response time from 338–452 ms to 199 ms.

EyesOnGround · Full-stack developer (sole)

Jul – Dec 2025

Remote inspection marketplace · US

  • Built the API, buyer and agent app and staff admin on my own.
  • Stripe escrow, Sumsub identity checks and nearest-agent matching; 3,043 automated tests.

Other contracts · Full-stack developer

2024 – now

Shorter Upwork jobs

  • Built a Phorest to HighLevel API bridge the client had not managed to build in-house.
  • Added PayFast payments to a Next.js app.
  • Set up Google sign-in and JWT across Next.js and NestJS.

Ejara · Backend engineer

Nov 2021 – Nov 2025

Crypto saving and investing app · Douala, Cameroon

  • Built 40+ REST endpoints in NestJS, documented in OpenAPI 3.
  • Kept Jest test coverage above 80%; added JWT with role-based access and payment gateway links.

Pilgrims Consulting Group · Software developer

Aug – Nov 2021

WordPress and web projects

  • Wrote a JavaScript library that turns WordPress shortcodes into JSON.
  • Helped ship almost 20 websites in 3 months.

Education

BSc Information Technology: Ghana Telecom University College, 2025 – 2028 (in progress).

Full Stack Web Development certificate: MEST, July 2021.

Azubi Africa: 2023 – 2024. IPMC: 2017 – 2018.

Skills

Build: Next.js, React, Node.js, NestJS, TypeScript, PostgreSQL, Prisma, Redis, BullMQ, Docker.

Payments and identity: Stripe and Stripe Connect, iyzico (3-D Secure), Paystack, PayFast, Fygaro, MTN MoMo, Sumsub.

AI and automation: Claude, OpenAI and Gemini APIs, Zapier, HighLevel, n8n.

Languages

English

What I built