Embedded
Finance For
Global Apps

We help any app to become part of people's financial life by seamlessly embedding finance into the user journey.

Infrastructure for global apps

A powerful e-money stack

Wallet Engine enables apps to seamlessly embed financial accounts into any user experience. This provides the foundation for contextual peer-to-peer payments, micro-finance, in-app economies, and everything in between.

We take care of the complexities arising from cross-border e-money operations, regulatory compliance and local network integrations so that apps can focus on their business.

Compliance

Meeting regulatory and compliance standards in multiple jurisdictions

Hyper Local

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

Scalable

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

Customisable

Fully customisable fee structure unique to a customer's requirements

Global Scale

Making money borderless

We understand the challenges to financially connect people from around the world and we are laser-focused to providing developers with simple and composable products to rapidly deploy embedded financial features across a global user base.

Small-value

Uniqely set up to process small-value cross-border payments between people around the world.

Define your own fees

Customisable fee structure along the value chain so you can monetise the best way for your business.

Why Wallet Engine

Future-proof from the get-to

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 through one seamless API platform so you can focus on building a better payment product from the get-go.

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

Payment use cases

It takes months to stitch together disparate payment networks across the world and their maintenance is tedious. See how we simplify every step along the way:

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. 

Wallet Engine APIs

Battle-tested reliability

Set up borderless financial accounts with a few lines of code. Whether you use Wallet Engine's prebuilt UIs or build your own custom flows, our easy-to-use APIs get you up and running quickly.

  • Onboard users
  • Real-time payments
  • Account top-up & withdrawals
  • Activate debit cards
  • Connect retail-banking & insurance products

Client Dashboard

Real-time data & analytics so you can make business decisions anytime, anywhere.

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

Simple and transparent pricing

GLOBAL PLAN
US$ 2.50 per active in-app acount and year*
API PRODUCTS
  • Account Creation
  • e-KYC
  • Multi-currency Balances
  • Transfers
  • Foreign Exchange
  • Top-Up Channels
  • Withdrawal Channels
  • Linked debit card
  • Transaction History
  • Dashboard
  • Third-party banking products
  • Third-party insurance produts
  • Data Intelligence
> API PRODUCTS
  • Account Creation
  • e-KYC
  • Multi-currency Balances
  • Transfers
  • Foreign Exchange
  • Top-Up Channels
  • Withdrawal Channels
  • Linked debit card
  • Transaction History
  • Dashboard
  • Third-party banking products
  • Third-party insurance produts
  • Data Intelligence
SERVICES
  • AML/CTF Monitoring
  • Anti-Fraud Monitoring
  • Regulatory Reporting
  • Unlimited Test Credentials
  • Integration Assistance
  • Wallet Strategy Workshop
  • Premium Support
> SERVICES
  • AML/CTF Monitoring
  • Anti-Fraud Monitoring
  • Regulatory Reporting
  • Unlimited Test Credentials
  • Integration Assistance
  • Wallet Strategy Workshop
  • Premium Support

* Speak to us for volume discounts if your app has over 200,000 active users or your transaction volume is above $100,000 per month.

Wallet Engine Ecosystem Partners

mambunew
apixnew
rapydnew

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