Digital Wallet Platforms
Launch secure consumer or business wallets with full transaction capabilities
Enable your customers to store value, make payments, and transfer funds digitally. Whether you're building a consumer wallet, a business payment solution, or an agent network, this solution provides the foundation for secure, scalable wallet operations.
Who This Solution Is For
We believe in honest qualification. This solution is designed for specific use cases—not everything.
Designed For
- Fintechs launching digital wallet products for consumers or businesses
- Banks adding wallet capabilities to their digital banking offerings
- Telcos building mobile money or airtime-based wallet services
- Retailers creating closed-loop or hybrid wallet ecosystems
- Enterprises needing internal payment or expense wallet systems
Not Designed For
- Cryptocurrency or blockchain-native wallet requirements
- Pure card-issuing without stored value functionality
- Investment or trading platforms requiring brokerage capabilities
What You Can Launch
Concrete use cases enabled by this solution—focused on outcomes, not features.
Consumer Wallets with P2P Transfers
Allow customers to send money to friends and family instantly, with transaction limits and fraud controls built in.
Business Wallets with Multi-User Access
Enable companies to manage funds with role-based access, approval workflows, and spending controls.
Agent Cash-In/Cash-Out Networks
Power a network of agents who can accept deposits and process withdrawals on behalf of wallet holders.
Merchant Payment Acceptance
Let wallet holders pay at merchant locations via QR codes, NFC, or linked payment methods.
Bill Payments & Airtime Top-Up
Integrate with billers and service providers to enable in-wallet utility payments and mobile top-ups.
Cross-Border Remittances
Enable international transfers with FX conversion, compliance checks, and corridor-specific routing.
Core Capabilities
Key capabilities grouped by responsibility area—what this solution enables for your business.
Customer-Facing Capabilities
- Account registration and identity verification
- Balance viewing and transaction history
- Peer-to-peer and wallet-to-bank transfers
- QR code and contactless payments
Operational & Control Capabilities
- Transaction limits and velocity controls
- Maker-checker approval workflows
- Dispute management and chargebacks
- Real-time notifications and alerts
Settlement & Lifecycle
- Multi-currency wallet support
- Settlement and reconciliation automation
- Account lifecycle management (freeze, close, reactivate)
Optional & Integration-Dependent Components
Additional capabilities that may apply depending on your specific requirements and context.
External Providers
Third-party services that can be integrated
- KYC/Identity verification providers (Onfido, Jumio, local providers)
- Payment rails (card networks, bank transfers, mobile money)
- Card issuing partners for physical/virtual cards
- FX and treasury management providers
Dependencies
Core infrastructure requirements
- Core banking or ledger system for account management
- Transaction processing infrastructure
- Notification services (SMS, push, email)
Region-Specific
Geographic and regulatory considerations
- Local payment scheme integrations (UPI, PIX, M-Pesa)
- Regulatory reporting requirements
- Language and currency localization
Final scope depends on licensing requirements, geographic coverage, and selected integration partners.
How This Solution Uses the Platform
This solution is powered by multiple platform products working together to deliver complete wallet functionality.
Security & Compliance
Security is built into every layer of this solution. Here are the key controls and compliance considerations.
View Full Security DetailsSecurity Highlights
- Role-based access control (RBAC) for all operations
- Maker-checker approval workflows for sensitive actions
- Complete audit trails for regulatory compliance
- Environment separation (dev, staging, production)
- Data encryption at rest and in transit
- PCI-DSS aligned transaction handling
Delivery & Rollout Considerations
Our approach to implementation focuses on phased delivery and realistic scoping.
Phased Approach
We recommend a phased delivery approach, starting with core wallet functions (registration, balance, basic transfers) and progressively adding advanced features like merchant payments, cross-border, and agent networks.
What Affects Scope
- Number of wallet types and customer segments
- Integration complexity with existing systems
- Regulatory and licensing requirements
- Geographic coverage and localization needs
- Volume and performance requirements
Timeline and scope are determined through discovery and scoping sessions. We do not provide fixed timelines without proper assessment.
Ready to Explore Digital Wallet Platforms?
Let's discuss how this solution can support your business goals. Our team is ready to understand your requirements and explore what's possible.