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.