Wallet Platform
Boost financial inclusion and become a top-line FinTech provider in your region. Get the market-ready wallet solution to digitilize your financial services for merchants and customers.
use cases
Reinforce your digital business strategy and go cashless with enterprise-scale platform
Retail banking
Get a new robust customer acquisition channel for the underbanked with easy remote identification
Telecoms
Increase your ARPU by turning subscribers’ accounts into digital wallets, and monetize your customer base
New FinTech projects
For ambitious businesses backed by government or private funds that strive to launch digital financial products on local markets
Neobanking
For forward-thinking retailers that want to challenge a traditional banking landscape with own neobanking service offerings
digital wallet platform features
Turn-key solution for quick & easy launch of your digital wallet business
Mobile payment engine
- API client to connect with different payment tools
- Aggregate any payment tools through card tokenization, banking accounts connection, etc. Connect all the tools you need within your own digital wallet based on our eMoney ledger, or third-party services like Visa and Mastercard
- Payment facilitation
- Use a single operational logic and unified customer experience for all money transfers and payment transactions, no matter what payment tool is used
- Smart payment rooting
- Set a default payment tool for all transactions. Use cascade payment processing if there is not enough money on the default tool
- API Interface for any end-user interfaces and third-party systems
- Make use of our white-label interfaces for customer mobile apps, and business web and mobile applications to connect all your customers, merchants, and agents. Or use API to couple with your current and new interfaces.
eWallet (e-money) ledger
- Accounting model
- Create the required types of ecosystem participants (tenant, issuer, agents, customers, merchants, etc.) and wallet types (main, commission, etc.) in the system. Create various types of financial operations across them, use the pre-set logic for all the necessary transactions including commission ones
- AML, limits and fees management
- Compose your own or integrate external blacklists. Set up database triggers for post-transaction verification. Create various limit types (min/max, turnover or count). Set up various types of fees (% or fixed, min/max, etc.)
- Day-to-day processing
- Rely on our processing for everyday operations in your ecosystem. The solution is capable of creating API-requested wallets and executing transactions invoked from any external interface (APP, WEB, etc.). For specific business needs, make on-demand transactions (issue, redemption, reversal etc.)
- System administration, reporting, customer support
- Manage access to information about clients, wallets, and operations, create necessary operator roles and rights to access system (tenant’s employees, business owners, technical administrator, KYC officers, compliance officers, accountants, operational managers, customer support, etc.). Generate various reports
QR merchant POS
- QR code invoicing
- As a merchant, issue invoices to your customers by generating dynamic one-time QR codes, or creating direct links to invoices to be sent via email or any messaging services
- QR payments acceptance
- Let your customers choose how to pay for your goods and services. Allow them scanning a static QR code from your mobile phone or a printed copy at your POS terminal, or a dynamic QR code generated by your mobile phone or cash register sofware
- API for off-line merchants
- Connect necessary payment tools through a single API for all your operations offline
- API for on-line merchants
- Connect all the payment tools you need through a single API for your operations online
Users’ enrollment and management system
- Registration and authentication
- Set up the enrollment processes according to your legislative, compliance and business guidelines (self-registration, face-to-face, bundle) independently for the end customers, merchants, cash agents etc. Avail yourself with the variety of authentication options including one-time passwords, fingerprint, Face ID or PIN code
- KYC and identification
- Set up our proprietary multi-level KYC (know your customer) engine with possibility to level up with or without the KYC Officer attention. Design forms for interaction (open or multiple choice questions, uploading documents, selfies, other API checks). Get integrated with third-party KYC service providers for smoother processes
- Business account management
- Register business units (companies, private entrepreneurs), assign business roles (merchant, cash agent) with corresponding available operations to employees (admin, supervisor, head of branch, staff). The required wallets will be opened automatically
- Branches and staff management for business users
- Let your business users (merchants, cash agents) manage their points of sale. Let them manage their staff, send self-registration links and confirm eligibility
THE BENEFITS YOU GAIN
Transforming customers into real assets
Localization
Deploy eWallets custom-tailored to your individual business needs and location specifics
Scalability
As your business grows, so does your digital wallet. Get business resilience as you scale up across countries and workloads
Flexibility
Enjoy full compatibility with third-party products and services via seamless integration and smooth API connection architecture
Security
Ensure rock-solid security to safeguard all your customer service
operations
TECHNICAL EXCELLENCE
Leverage industry’s proven best practices
Best tech stack
Tap into FinTech solutions backed by the latest yet tried-and-tested technology innovations in product development and design
Seasoned in-house staff
Get a reliable well-thought-out digital platform built, delivered, and supported by senior IT experts in software engineering & DevOps
Market readiness
Accelerate your company’s time-to-market rates with customer approved digital solutions perfectly tailored to your brand identity and individual business needs
Big picture approach
Enjoy a robust end-to-end platform solution based on holistic strategies and deep analytical insights into your business specifics and customer expectations
WHAT'S INCLUDED
Create and manage your digital financial ecosystem with ease
Leverage a wide range of features included in our Wallet platform to build and deploy a tailored solution that will be much appreciated by your customers
Onboarding and KYC
- Self-onboarding (customers, merchants' and cash agents' personnel)
- Business partners web onboarding
- Branches and staff management
- Bulk registration
- Multi-level KYC
- Customer identification via 3rd party API
- KYC officer's verification interface
- PIN or password change, access restore
Payments and transfers
- P2P transfers
- R2P (requests to pay)
- QR code payments (P2M)
- EMV QR (integration)
- Payments via shared link
- Receipts
- Refunds
- Utility payments
- Payroll
- Split the bill
- Favorites
- Cashbacks
- Tips
Top-ups and withdrawals
- Cash-in and cash-out via cash agents
- Payment card tokenization (integration)
- Bank accounts (integration)
- ATM cash-out (integration)
- eMoney distribution between wallets
- Settlement on bank account
Accounting, reporting and operational activity
- Financial operations and transactions
- Wallet types and transaction rules
- Fees management
- Limits management
- AML, anti-fraud, black lists
- Multi-currency
- Reporting
Marketing tools
- Notifications
- In-app banners
- Referral program for customers
- Motivational program for merchants
- Customer support via messengers
CONTACT US
Book your demo
session now!
