Wallet Platform
Boost financial inclusion and become an embedded FinTech provider in your region. Get the market-ready wallet solution to digitalize your financial services for merchants and customers.
Start your digital wallet business, no matter the business size and industry niche.
Digital wallet: Enterprise use cases
Reinforce your digital business strategy and go cashless with enterprise-scale solution
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
Embedded fintech 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
- 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
- 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
Digital wallet: USE CASES for small and midsize businesses
Reach your niche and audience with cloud stored-value service
Provide your customers with new open-loop payment options
A digital wallet for electronic money transfers and QR-code payments for goods and services
Create a prepaid closed loop wallet under your own brand
Custom-built eWallets to digitize local businesses and personalize customer financial experiences
Fuel wallet with in-app liter units for gas stations nearby
Add value to your brand with a special mobile app while letting your customers have quick access to fuel at a favorable price
A special wallet for cashback and refund purposes
Stimulate customer engagement with credible cashback and refund policy for online purchases
service features
Feature-rich functionality to empower your stored-value business
Wallets
- Open-loop wallets with electronic money
- Create wallets for customers and business users to keep eMoney assets and use them for further payments and other transactions
- Paid closed-loop wallet
- Create customer wallets to enable upfront payments for merchant services on favorable terms
- Pre-paid wallet to store any kind of values (liters of gasoline, cups of coffee)
- Create customer wallets to enable upfront payments for on-demand services
- Special wallet to accumulate cash-backs or refunds
- Create customer wallets with favorable terms for cashback and refunds
Transfers
- P2P (peer-to-peer) transfers
- Send money or any other kind of stored value (points, liters, gifts, etc.) to registered and unregistered wallets using a receiver’s phone number. Choose from your in-app Favorites list, phone address book, or input manually
- R2P (request-to-pay)
- Send your requests directly to remitters’ apps, share a link or generated QR code for making money transfers in one click
- Split the bill
- Split your recently paid bills with other people by setting the respective shares and sending them requests to pay
P2M (peer-to-merchant) payments
- Static QR in-store payments
- As a merchant, let customers scan your printed or in-app static QR code to pay for your services with money or any other kind of stored value (points, liters, etc.) at any amount set by a customer
- Dynamic QR in-store payments
- As a merchant, generate a QR invoice to let customers scan it and pay for your services
- In-app payments via a shared link
- As a merchant, generate an invoice and share it with customers via any available messenger letting them follow your link to pay for your services
- Bill payments
- Pay any due bills online with in-app payment features just in one click
- P2M refunds
- Based on a customer’s request, a merchant or their supervisor with respective access rights can initiate a partial or full refund to a customer
Top-up, withdrawals and redemption
- Cash in and out via cash agents
- As a cash agent, scan a static QR code on a customer wallet app to refill customer account with cash or withdraw cash from account
- Cash in and out via API-integration with any existing channel
- Integrate any third-party payment service or tool via API to enable customers with cash refill and withdrawal options (cards, bank accounts, ATMs, or cash machines etc.)
- Store any kind of value on customer wallets
- Refill customer wallets with any kind of digital assets (gifts, gas litres, trips, tickets etc.) pre-configured in your closed loop wallet ecosystem
- Stored values redemption
- Redeem any kind of stored value items via customer and business wallet apps
MULTICHANNELNESS
Smooth infrastructure that works flawlessly across multiple interfaces
- Customer Mobile app
- Business Mobile app
- Business WEb portal
- Merchant API
- Tenant WEb Admin console
- Others (upon integration)
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 is 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 with your embedded fintech wallet solution
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
Open-source API for varied use cases
Enable smooth integration across all sales channels and devices: Cashier equipment, accounting systems, website backends, mobile apps, chatbots, and self-service terminals
More functionality to tap into
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
- Payroll
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
- Notifications
- In-app banners
- Referral program for customers
- Motivational program for merchants
- Customer support via messengers
CONTACT US
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