We build digital wallets, stored value, P2P transfers, merchant payments, QR codes, and PCI-DSS-aligned card tokenisation. For fintechs, telcos, retailers, and banks.
Users abandon wallets that crash, fail KYC awkwardly, or hold money in places they can't verify. Trust signals, clear ledger, instant settlement feedback, defensible security, are the product.
A clean double-entry ledger as the source of truth. Idempotent operations. Reconciliation against banking partners daily. PCI-DSS-aligned token vault for cards. UX designed around the actual states, settled, pending, reversed.
A wallet with provably correct ledger, daily reconciliation, defensible security posture, and UX that fits the actual settlement reality.
Double-entry ledger with idempotency, reconciliation, and proper transaction states.
In-network and out-of-network P2P with instant UX and underlying ACH/RTP/SEPA.
In-store and online merchant payments, QR codes, refunds, and settlement workflows.
PCI-DSS-aligned token vault, network tokenisation (Visa/MasterCard), and HSM integration.
KYC at onboarding (Sumsub, Onfido, Jumio), ongoing AML monitoring, and reporting.
Daily reconciliation against banking partners, dispute management, and operations dashboards.