Payment infrastructure for Digital Communities

Real-time payment rails transforming apps into financial ecosystems

Compliance

Meeting regulatory and compliance standards in multiple jurisdictions

Hyper Local

Connected to 900,000+ top-up & withdrawal channels around the world

Scalability

Built for rapid scale and high-volume transactions on core-banking technology

Customisable

Fully customisable fee structure unique to a customer's requirements

The new standard for in-app transactions

Real-time payment rails for apps so users can send
and receive money hassle-free

Build it yourself

Building stored value solutions that scale requires the establishment of licensing, in-house payment operations and integration with network partners around the world for top up and withdrawal.

  • Capital intensive
  • Lifetime system maintenance
  • Time to market > 365 days

With Wallet Engine

Wallet Engine provides all the required infrastructure in one seamless integration so you can focus on building a better payment product from the get-go.

  • Wallet-as-a-Service
  • Globally scalable
  • Launch in < 30 days

Create seamless financial products within your app using the Wallet Engine API suite

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Payment capabilities for digital communities

Example: You want to enable your app users to send $5 to one another as part of a chat conversation.

Challenge: Most remittance providers support one-directional transfers only and don’t process amounts less than $100. In order for you to connect your international user base for bi-directional transfers, you would need integrations with 100+ networks in order to enable the routing of small value between any two users. 

Example: You want to distribute $5,000 based on a distribution key to multiple users in different countries.

Challenge: Mass pay-outs across countries is a time-consuming process. For each recipient, you would need to identify the best transfer route, which varies depending on the amount, foreign exchange restrictions and the recipient’s ability to receive money. 

Example: You want to host an online live event and collect $1 from each participant.

Challenge: Unlike for e-Commerce, there is no gateway you could tap into to process $5.00 from people across the world where the recipient is an individual vs. a merchant. In addition, the lack of interoperability amongst local payment products (e.g. e-wallets) adds an additional layer of complexity to move money between people.

Example: You want to hold funds for your users and release them once certain conditions are met. 

Challenge: Storing money for customers and transferring on their behalf are regulated activities and require safeguards in place to prevent unauthorised access, money-laundering, fraud, etc. The ability to store funds for people across countries adds to the complexity of setting up your own payments operations.

Example: You issued in-app accounts to your users and you want to provide them with local options to add funds into their account (e.g. via credit card, local e-wallet, bank or cash).

Challenge: In certain markets cards are widely accepted and could be used to top-up an in-app account. However, most people around the world do not have access to credit cards and rely on alternative payment methods such as local e-wallets or even cash. In these cases you need to integrate with local partners so that people can top-up their accounts conveniently based on the local payment landscape.

Example:  You want to enable your users to withdraw funds with localised options, or even spend with a linked debit card globally where Visa or Mastercard are accepted.

Challenge: To address the different levels of financial inclusion, you would need to integrations with alternative payment networks in local markets so that users can withdraw funds into their bank accounts, local e-wallets or even in cash. For a lot of people having a debit card linked to their in-app account would be beneficial too but card issuance comes at a steep price tag. 

Client Dashboard

Real-time data & analytics so you can make dynamic business decisions.

  • Real-time
  • Webhooks
  • On-the-fly changes
  • Location-specific
  • Always on
  • API-enabled customisation
Dashboard June 9 v1

We love bringing bold ideas to life. Speak to us.

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Put a borderless wallet into your app for as little as the cost of a single developer

Pilot / POC
FROM US$ 3,000 per month
PRODUCTS
  • Account Creation
  • e-KYC
  • Balance
  • Transfers
  • History
  • Top-Up Channels
  • Withdrawal Channels
  • Customisable Fees
  • Dashboard
  • Card Issuance
  • Multi-Currency
  • Micro Retail-Banking
  • Micro Insurance
> PRODUCTS
  • Account Creation
  • e-KYC
  • Balance
  • Transfers
  • History
  • Top-Up Channels
  • Withdrawal Channels
  • Customisable Fees
  • Dashboard
  • Card Issuance
  • Multi-Currency
  • Micro Retail-Banking
  • Micro Insurance
SERVICES
  • Unlimited Test Credentials
  • AML/CTF Monitoring
  • Regulatory Reporting
  • Integration Assistance
  • Wallet Strategy Workshop
  • Premium Support
> SERVICES
  • Unlimited Test Credentials
  • AML/CTF Monitoring
  • Regulatory Reporting
  • Integration Assistance
  • Wallet Strategy Workshop
  • Premium Support
SINGLE MARKET
FROM US$ 12,000 Annual Licensing US$ 1.00 per active wallet and month*
API PRODUCTS
  • Account Creation
  • e-KYC
  • Balance
  • Transfers
  • History
  • Top-Up Channels
  • Withdrawal Channels
  • Customisable Fees
  • Dashboard
  • Card Issuance
  • Multi-Currency
  • Micro Retail-Banking
  • Micro Insurance
> API PRODUCTS
  • Account Creation
  • e-KYC
  • Balance
  • Transfers
  • History
  • Top-Up Channels
  • Withdrawal Channels
  • Customisable Fees
  • Dashboard
  • Card Issuance
  • Multi-Currency
  • Micro Retail-Banking
  • Micro Insurance
SERVICES
  • Unlimited Test Credentials
  • AML/CTF Monitoring
  • Regulatory Reporting
  • Integration Assistance
  • Wallet Strategy Workshop
  • Premium Support
> SERVICES
  • Unlimited Test Credentials
  • AML/CTF Monitoring
  • Regulatory Reporting
  • Integration Assistance
  • Wallet Strategy Workshop
  • Premium Support
MULTI-MARKET
FROM US$ 24,000 Annual Licensing US$ 1.00 per active wallet and month*
API PRODUCTS
  • Account Creation
  • e-KYC
  • Balance
  • Transfers
  • History
  • Top-Up Channels
  • Withdrawal Channels
  • Customisable Fees
  • Dashboard
  • Card Issuance
  • Multi-Currency
  • Micro Retail-Banking
  • Micro Insurance
> PRODUCTS
  • Account Creation
  • e-KYC
  • Balance
  • Transfers
  • History
  • Top-Up Channels
  • Withdrawal Channels
  • Customisable Fees
  • Dashboard
  • Card Issuance
  • Multi-Currency
  • Micro Retail-Banking
  • Micro Insurance
SERVICES
  • Unlimited Test Credentials
  • AML/CTF Monitoring
  • Regulatory Reporting
  • Integration Assistance
  • Wallet Strategy Workshop
  • Premium Support
> SERVICES
  • Unlimited Test Credentials
  • AML/CTF Monitoring
  • Regulatory Reporting
  • Integration Assistance
  • Wallet Strategy Workshop
  • Premium Support

*Is your user base greater than 100,000 or do you expect to process more than $100,000/month?
We are happy to discuss volume pricing or how we can support unique business models.

Bringing ultimate peace of mind in the long run

Cloud-native technology trusted by banks and regulators

Continuous addition of local payment channels at no additional cost

Constantly adapting compliance framework meeting regulatory requirements

Are you ready to transform your app into a financial ecosystem?

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