Digital Wallets
Digital wallets have rapidly grown from an alternative to card, to major hubs of merchant payment processing. Let us build your secure infrastructure that drives user retention while supporting your B2B / P2P use case.
Stored Value and Multi-Currency Balance Management
Real-time balance update and ledger
Every transaction updates Central Ledgers in real-time, using a distributed ledger framework ensuring replay, audits, and no penalties. Network infrastructure is solid.
Multi-currency balances and FX conversion
Build multi-currency accounts on multiple ledgers while APIs call integrated FX conversion rate providers setting cross border optional fees for multiple remittance orders in real-time payments.
Top-up method management
Add online transfers, mobile listings, and physical transfers into secure backend user routing, risk limits, AML monitoring, and automated push email notifications on top-ups.
P2P Transfers and Split Payments
P2P transfer fixed fees and free of constraints
Users send instant easy ID alias tracking QR code scanning contacts via QR splits, with defined constraints and limits based on account verification protocols.
Split payments and group shared bill requests
Users request invoices and collect the shared cash built via push request combinations, split requests into equal sections, set split nominal adjustments, and tracked P2P records.
Transaction limits and AML triggers
High amount transfers are flagged in back-end portals to avoid immediate execution but flagged for manual screening as flags help regulatory visibility.
NFC and QR Code Payment Initiation
NFC contactless payments
Turn mobile phones to POS records via payments for Apple, Google, Samsung working on Visa, Master NFC protocols that emulate default hardware registers.
Dynamic point-of-sale QR Code generation
Build auto dynamic EMVCo QR code formats per account identifiers. Time limited session links, sharing display, online checkout, and peer-to-peer scanning cross iOS, Android POS.
Offline payment capability
Cash transfer with delayed syncing online limit checks allow POS servers within partial drops, restoring peer ID balances post connected online logging limit.