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Cloud Wallet as a Service Software Platform

Wallet as a service solution for aspiring businesses willing to tap into the finance market or extend their existing product offering with financial services. With cloud-based ewallet software from SDK.finance, you launch faster, operate cheaper, innovate non-stop, and conveniently pay as you go.

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A game-changing cloud alternative to on-premise digital wallet platforms

Affordable software

Deployed and operated on the cloud, maintained by SDK.finance, our cloud wallet software is not only efficient but also comes at an affordable cost.

Compliant with regulations

The database is hosted on the company's own server. Regardless of location, forget about cloud compliance issues.

Dynamic scalability

With a workload capacity of 400 TPS* (transactions per second), our system effortlessly manages over 34 million daily transactions on a basic configuration.

The right solution for standalone or embedded financial products

Banking wallet

Impress your customers with a next-gen solution that fulfills their money transfer and payment needs on the go. Boost existing customers’ engagement and acquire new users by providing impeccable mobile services and top-notch user experience.

Telecom wallet

Add financial services to your offering and leverage your existing customer base to increase your bottom line. Extend financial inclusion for the unbanked and win new audience by letting them make payments right through your app.

Retail wallet

Offer your customers the option to store their assets and make transactions within your ecosystem by using a closed-loop ewallet. Help them spend more with you and watch your revenue grow.

Marketplace wallet

Provide the solution to connect sellers and buyers and enable assets exchange between them. Protect the funds by securing them within the system till the buyer confirms the purchase.

Merchant wallet

Implement a merchant wallet to accept payments from customers, revamp your transaction accounting system, speed up settlement process, get equipped for scale and boost customer experience.

FinTech wallet

An affordable wallet as a service solution for an easy start of your digital payment product. No commitment or hefty investments, no infrastructure expenses or hiring a big dev team. Our cloud software for your bright future.

Meet your customers’ financial services needs

Bank payments

Offer bank payments like IBAN and SWIFT (integration with vendors required). Accommodate various customer segments and boost your turnover.

Money transfers

Let customers send and receive money instantly and effortlessly, whether internal P2P transfers or crossborder remittance. Integrate with payment- and service providers to expand your transfer options range.

Bill payments

From utility bills to mobile top-ups and other payments – help users save time with payment templates. Support local vendors payments through API integration.

Expense tracking

Assist customers with tracking their spendings via visualized expenses charts and graphs or transactions presented as on the map.

Multi-currency system

Configure an unlimited number of currencies within the ewallet system – not limited to fiat currencies. Let users operate any assets – from reward points to diamonds.

Currency exchange

Provide seamless currency exchange between customer wallets within the system (according to the pre-configured exchange rate), plus the options of purchasing and selling currency.

Explore the back office functionality

Serving the customers
Tailored for
Client onboarding
Accounts
Transactions
AML/Anti-fraud capabilities
Built-in CRM
User action history
Tailored for

Individuals (ewallet, neobank, money remittance, currency exchange)

Merchants (payment acceptance via POS or online)

Corporate (neobank for corporate clients) (coming soon)

Client onboarding

Self-registration via email or phone

Flexible survey and document uploading (such as identity, utility bills, etc)

KYC

Automated (via pre-integrated vendors)

Manual (via back-office interface)

Two-factor authentication (2FA)

Accounts

Accounts in any currency

Any digital assets: crypto, points, bonuses, etc.

Ledger for accounting and reflection in the system of any currencies or digital assets

Card issuing (via pre-integrated vendor)

IBANs (via pre-integrated vendor)

ACH (via pre-integrated vendor, coming soon)

Transactions

Top-ups and withdrawals

Payment gateway operations (via pre-integrated vendors)

In-system transfers or payments

In-system currency exchange

External currency exchange (via pre-integrated vendors)

Payment link

QR-payments (coming soon)

Refund and chargeback (coming soon)

AML/Anti-fraud capabilities (coming soon)

Identify suspicious transactions promptly

Obtain the client’s confirmation to exclude fraud

Get a proof of income from a client to be AML-compliant

Freeze/unfreeze customer accounts if necessary

Close the case

Built-in CRM (coming soon)

All customer details and activities in one place

Communication with clients and creating notes

Chats with customers via in-system messaging service

Notes about a customer for future

User action history

Log of system activities by clients and team members

Full details: logins, sessions, actions performed

Valuable for investigation purposes

Monetization and finances
Contracts and vendors
Fees and limits
Reconciliation and settlement
Operations with cash
Contracts and vendors

Vendor terms and conditions input

Creating customer contracts with different sets of commissions and limits

Let customers choose the preferred contract type (e.g. with or without monthly fees)

Fees and limits

Customizable fees for any transaction: %, flat fee, or combination of them

Configuring the fee bearer (sender or receiver)

Transaction limits (per period, amount or number of transactions)

Reconciliation and settlement (coming soon)

Company liabilities reconciliation

Liabilities in front of your clients

Liabilities in front of your vendors

Identifying unmatched transactions and discrepancies

Resolving the detected issues

Clear picture of your company’s gains on top of transactions

Operations with cash

Ability to account any type of cash and manage “cash-desk” operations

Put your wallet product on the rails and operate it

… faster

We’ve done the heavy lifting to provide a transaction processing engine that empowers your team to refine, customize and launch your product in a few months rather than spend a few years on building it.

… cheaper

Reduce your infrastructure, maintenance and development costs and increase your bottom line through the wallet as a service hybrid cloud delivery model that enables you to also improve your cost to income ratio via applying lower capital expenditures.

….easier

Use our robust cloud-based wallet platform to let your team focus on integrations and adding custom features on top.

Right software solution to evolve and grow your business

Scale smoothly

Sustain user base expansion and extend your ecosystem without a hiccup as your solution gains traction, without having to worry about system overload.

Own the source code if needed

Change your wallet as a service PaaS model anytime. Obtain a source code license from us, deploy your wallet on-premise and gain full access to the backend for ultimate independence and no more recurrent payments.

Accelerate innovation

Since all functions are exposed as API endpoints, available via RESTful APIs, adding new features, integrations and ensuring compliance are less time- and resource-consuming.

Dynamic scalability

Equipped with a workload capacity of 2,700 TPS* (transactions per second), the SDK.finance cloud wallet software can effectively process more than 230 million transactions every day.

This guarantees the Platform’s ability to effortlessly accommodate the growth of your business, managing transaction volumes ranging from 1 thousand to 1 billion or beyond per month without any performance issues.

Ready-to-use integrations

The SDK.finance cloud wallet software comes with pre-integrated vendors for key functionalities such as payment acceptance, card issuance and KYC compliance. This streamlined integration process ensures a hassle-free setup of your financial transactions. You can find more information about integrations here.

SDK.finance wallet as a service Platform functionality

Currencies management
Roles and permissions management
CRM & customer support
Transaction history
Currencies management

Work with any fiat currencies or other assets

Currency and issuer creation and status management

Currency exchange rates input – manual or automated (from external feed)

Roles and permissions management

User creation, role and status management

Default roles

Back-office user log history viewing

CRM & customer support

Customer profile information and status management

Default KYC-management

Customer accounts status management

Default log of customer activity in the system

Transaction history

View all customer’s transactions in all statuses

Cloud wallet software development type

Let our team of FinTech experts transform your payment product into reality through the use of our Platform.

  • Accelerated cloud-wallet release.
  • Pre-developed PayTech backend Platform.
  • Experienced team without hiring headaches
  • Saved in-house team’s resources
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Digital wallet development

SDK.finance wallet as a service software – case studies

 

Payment acceptance

Leading PSP (MENA): Faster payouts, real-time transaction accounting

SDK.finance's wallet software has enabled customers to streamline their accounting processes, enhance user experiences, broaden their market reach, and tap into new growth opportunities within the fintech industry.

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Digital wallet

MPAY: An intuitive payment app on top of ewallet system

MPAY effectively transformed their cash-in payment kiosks network into a comprehensive payment application by seamlessly integrating with the SDK.finance cloud wallet software, utilizing it as a foundation.

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    from 2,700

    Transactions per second

    11+

    Years on the market

    470+

    APIs

    60+

    modules

    Our pre-integrated partners

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    Payment acceptance

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    SDK.finance Wallet as a Service FAQs

    How does the hybrid cloud wallet software by SDK.finance work?

    The hybrid cloud wallet as a service software involves running applications in different environments simultaneously. It is used to manage finance app portability to provide a flexible distributed computing environment for easy scaling.

    The backend app can be hosted on AWS or other cloud infrastructure while our team provides maintenance services. In the same vein, your team will host, manage and maintain the main databases according to cloud management regulations.

     

    What are the benefits of the hybrid cloud model in e-wallet software?

    The hybrid cloud model in e-wallet software provides the following benefits:

    1. You buy affordable hybrid cloud software and save money by reducing development and infrastructure costs.
    2. The hybrid cloud solution can store sensitive information on your private server—according to data handling and management regulations.
    3. The application becomes more scalable and flexible by efficiently modernizing your e-wallet and implementing new features.

     

    Can I buy your digital wallet source code?

    To buy the digital wallet source code you should take 3 steps:

    1. Technical audit of the product by your team
    2. Knowledge transfer period from our team to yours
    3. Signing the contract and code handoff.
    Can I request your wallet as a service software Demo?

    Yes, we provide an interactive sandbox demo environment on our product Demo page. It’s available there and then, no need to send a demo request and wait.
    If you need more details or have any questions, do reach out to us and we’ll be in touch with you shortly.

    What integrations does SDK.finance cloud ewallet Platform support?

    With SDK.finance PaaS ewallet Platform you can easily integrate third-party tools at any stage of the customer onboarding or transaction process. Our API-first approach allows you to connect the right tools to your application, adding new features and functionalities.

    Are there any location-related restrictions for using your wallet as a service Platform?

    There are no location-related restrictions for using our ewallet software. Your team will have control over the main databases while the backend app can be hosted on AWS or other cloud infrastructure and be maintained by our team.

    What types of digital wallets can be built on a cloud wallet PaaS Platform?

    Platforms can support a variety of wallets, including debit card wallets, credit card wallets, and wallets for crypto assets.