Turn transactions into relationships with a digital wallet
Give customers a secure place to hold, send, spend and receive money. Our wallet platform combines a double-entry ledger, multi-currency balances and a rich app experience you can extend with cards, bills and remittance.
- Multi-currency balances on a real-time ledger
- P2P transfers, QR payments and bill pay
- Virtual and physical card issuing integrations
- Wallet-as-a-service APIs for partners
Total balance
$12,480.50
Recent activity
- Priya SharmaP2P transfer+ $240.00
- City PowerBill payment- $86.20
- CashbackRewards+ $4.30
From operational friction to a platform that scales
The problems we hear most often from teams running Digital Wallet products, and how we solve them.
The challenge
- Building a reliable ledger from scratch is slow and risky
- Balances drift when transactions fail halfway
- Each new payment method needs its own custom integration
- Fraud and account takeover attempts grow with your user base
Our approach
- A proven double-entry ledger with idempotent, atomic postings
- Automatic reversals and reconciliation for every failed leg
- A pluggable connector layer for banks, cards and billers
- Device fingerprinting, risk rules and step-up authentication
Everything you need, ready to configure
Proven building blocks you can launch together or roll out in phases.
Core ledger
Double-entry accounts, holds, reversals and real-time balances across currencies.
P2P & requests
Send by phone number, username or QR, split bills and request money.
Bills & top-ups
Utility bills, airtime, data bundles and subscriptions through biller aggregators.
Card issuing
Virtual and physical cards linked to wallet balances via issuing processors.
Rewards & cashback
Rules-based cashback, points and referral rewards to drive engagement.
Wallet APIs
Embed wallets into partner apps with secure REST APIs and webhooks.
How money moves through the wallet
- 01
Step 1
Open a wallet
Instant onboarding with tiered KYC and limits by verification level.
- 02
Step 2
Add money
Top up by bank transfer, card, agent cash-in or incoming remittance.
- 03
Step 3
Spend & send
Pay merchants, settle bills, send to friends or move money abroad.
- 04
Step 4
Track everything
Real-time notifications, statements and categorized spending insights.
Built for growth, operations and control
Customer
- Multi-currency balances
- QR and NFC payments
- Savings pockets
- Statements and insights
Payments
- P2P and bank transfers
- Merchant payments
- Bills and airtime
- Card controls
Risk
- Tiered KYC limits
- Device binding
- Velocity rules
- Account takeover protection
Platform
- Double-entry ledger
- Wallet-as-a-service APIs
- Webhooks and events
- Multi-tenant setup
Delivered as a complete product
Not just code. Branded, tested, documented software your team can operate from day one.
Integrations we connect
- Card issuing processors
- Bank accounts & virtual IBANs
- Biller aggregators
- Airtime providers
- Payment gateways
- eKYC vendors
- Push & SMS providers
Wallet apps
Branded iOS and Android apps with biometric login.
Web wallet
Responsive web access for customers and businesses.
Operations console
Customer care, limits, disputes and reporting.
Developer APIs
Documented APIs and sandbox for partners.
Security you can show your regulator
Controls are designed in from the first sprint and documented for your audits and licence applications.
- Tokenized card data
- Biometric and PIN authentication
- Device binding and session controls
- Encrypted ledger backups
- Fraud rules on every posting
- Immutable audit trail
Digital Wallet FAQs
Common questions from teams evaluating this solution.
Still have questions?
We usually reply within one business day.
Yes. Each customer can hold multiple currency balances, convert between them at your configured rates and spend or send from any balance.
That depends on your market and model. Many clients operate with their own licence or partner with a licensed bank or EMI. We build the platform to fit either setup.
Yes. The wallet and remittance modules share the same core, so outbound and inbound international transfers can be enabled when you are ready.
Let's scope your Digital Wallet project.
Tell us about your corridors, customers and timelines. We will come back with a clear architecture, delivery plan and estimate.
- 30-minute discovery call
- Proposal in about a week
- NDA available on request