Wallets and Embedded Finance
Wallet under your own brand, with balances, top-ups, payouts, currency conversion, and third-party payments. Extend these capabilities into your existing platform with embedded finance.
- Wallets
- Embedded finance
- Tariffs
Overview
Accounts and balances
Every charge needs a balance to land on, so the core starts there: customer and counterparty accounts, multi-currency and crypto balances, each with its own state and lifetime. KYC and KYB run through a provider and the result is a contract - this customer's tariffs, limits and rules - which is what the rest of the system reads. An account can belong to a person or to a company with several signatories.
Money in and out
Money arrives by bank transfer, QR scheme or on-chain address, and leaves the same way. Payouts go one at a time or by file, with a queue, statuses and retries, so a failed batch is a list of items and not a lost run. Transfers between customers stay inside the system and never reach an external network, and a customer exchanges between their own balances at the system rate - that spread is the operator's revenue.
Charging and collecting
A service catalog and tariff plans with validity periods turn an event from the client's own systems into a charge you can show a counterparty, priced by volume, time, weight or distance. Receivables are the other half: who owes what, what is overdue, which reminders went out, and the rule under which a counterparty carrying a negative balance does not get the next service. A charge can be contested and corrected, with a record of who changed it and why.
Running it
Every service, currency, conversion and integration is available within the same application, giving customers one place to manage their financial activity. Operators use a dedicated back office, while counterparties have their own portal. Fiat and crypto balances appear in one view, and customers can download statements without assistance. Monthly reports break down charges, payments and turnover by counterparty, service and reporting period.
Ownership
On us
- The coreAccounts, balances in every currency and asset, and the movement between them.
- The tariff engineIt turns an event from your own systems into a charge you can show a counterparty.
- The interfacesMobile app, customer and counterparty portals, and the back office.
On you
- The licenseYour own, or a partner's.
- The eventsWe price what your own systems emit.
- The commercial termsWhich services are charged, and on what plan.
Fit
- Who it is for
- EMIs, fintechs, crypto services and neobanks. Marketplaces and platforms that hold a seller balance. And businesses whose main work is something else: logistics, utility operators, B2B platforms.
- When it comes up
- Customer money sits with a partner. Mass payouts are needed. Crypto has to sit next to fiat. Tariffs are calculated by hand and receivables are not controlled.
- The objection we hear
- That a BaaS is cheaper. In a BaaS the customers and part of the P&L stay with the provider. Here the product and the data belong to the client.
Limits
No deposits, no credit, no lending. A BNPL request is one we turn down.
No merchants of our own, and no P2M.
No EMV, and no acquiring.