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 APIYusuf Muhammed · Technical Product Manager
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.
AI Product Management · API & Developer Products · Technical Product Management
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.
February 2026 – present
Product Manager · Billy
Product discovery, requirements and iteration for an AI financial assistant on WhatsApp, across engineering, operations, support and leadership.
January 2026 – present
Founder & Product Lead · DidiiAI
0→1 definition of a conversational financial assistant that interprets intent and acts through payment and service-provider APIs.
January 2018 – December 2025
Founder & Product Lead · YussTech
Independent client-facing product work, from scoping and definition through delivery. Full-time from 2020.
January – December 2022
Web Developer, Contract · Grab247 Company Limited
Logistics management systems and dispatch workflows.
March 2018 – March 2019
Web Developer, Intern · SQT Web Solutions
Client websites and applications, working alongside senior engineers.
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.