Embedded Wallet Solution for Marketplaces

SDK.finance offers an embedded wallet solution designed to help marketplaces manage buyer and seller payments internally. No intermediaries, fewer fees, and more control.

Whether you run a product marketplace, a service platform, or a gig economy app, our white-label solution gives you the tools to manage multi-party transactions, onboard users, and stay compliant with financial regulations.

White-Label Digital Wallet Software Platform

Why embedded wallets?

Traditional third-party payment services can slow down transfers, limit flexibility, and eat into your margins. An embedded wallet changes that by giving you a dedicated financial layer inside your platform.

Store funds in-app

Transact instantly with other users. Pay for services or goods in-app.

Receive payouts

Directly to their wallet. Use built-in top-up and withdrawal options.

Loyalty & rewards

Earn and redeem loyalty points or rewards within your ecosystem.

Key features built for marketplace operations

SDK.finance’s embedded wallet solution is designed to handle the unique transactional dynamics and operational challenges of marketplaces – from multi-party payments to regulatory compliance.

Buyer and seller wallet accounts

Each participant on your platform receives a dedicated wallet, enabling seamless internal transfers, real-time balance visibility, and separate transaction histories. This separation is key for marketplaces handling funds on behalf of multiple users.

Split payments and commission management

Automatically split incoming payments between sellers and your platform. Define commission structures per product, category, or seller type – whether flat-rate or percentage-based. Hold funds when needed and release them based on your business logic.

Onboarding with KYC/AML workflows

Compliant onboarding for sellers is critical. Use built-in onboarding tools or integrate third-party KYC/AML providers to verify identities and stay aligned with local financial regulations.

Top-ups, withdrawals, and escrow-like logic

Users can fund their wallets via card or bank transfer, and request withdrawals when ready. You can implement payout delays or hold mechanisms, like escrow, to protect both buyers and sellers until order completion is confirmed.

Transparent transaction tracking

Every wallet movement is recorded and accessible via a searchable dashboard or API. View, filter, and export transaction data for individual users or the entire platform, supporting reconciliation and audit trails.

Loyalty and rewards integration

Offer cashback, reward points, or promotional credits directly within the wallet. Encourage repeat usage and seller retention by enabling reward-based incentives tied to wallet balances or transaction volumes.

Admin back office with role management

Your marketplace admins, accountants, and compliance staff can manage wallet operations, approve withdrawals, generate reports, and adjust configurations based on user roles. All through a secure interface.

Multi-currency support for cross-border marketplaces

Operate in different regions with built-in multi-currency capabilities. Users can hold balances in various currencies, and currency conversion logic can be added or adjusted per your business needs.

Tailored for platform-based businesses

SDK.finance’s embedded wallet solution is a natural fit for platforms that manage financial flows between multiple users or entities.

This solution is already powering:

Marketplaces

For physical products, digital goods, or services.

Gig economy platforms

Connecting freelancers with clients.

P2P lending and microfinance providers

Enabling secure disbursement and repayments.

Ride-hailing and delivery apps

Managing driver and courier earnings.

Online communities

Managing internal credits, tips, and paid access.

Gaming wallet

Let your customers store their assets in their wallets and pay using them.

Ready features we’ve built, so you don’t have to

For your customers

Client onboarding

Accounts

Transactions

AML/Anti-fraud capabilities

Built-in CRM

User action history

Client onboarding

Self-registration via email or phone

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

KYC/KYB

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

Refund and chargeback (coming soon)

AML/Anti-fraud capabilities

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

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

For your business and revenue

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

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

See our ewallet solution in action

Watch how you can use our Platform to build a wallet that serves individual customers, helping them pay and make purchases, as well as businesses, allowing them to get paid by accepting payments online, in-store or even on the go.

Provider integrations – out-of-the-box

The SDK.finance digital wallet Platform stands out with its seamless integration capabilities. It comes equipped with pre-integrated vendors for key functionalities such as payment acceptance, card issuance, and KYC/KYB compliance. This streamlined integration process ensures a hassle-free setup for your financial operations. More information about integrations here.

Software that grows along with your business

With a robust workload capacity of 2700 TPS* (transactions per second), SDK.finance system handles over 233 million daily transactions even on a basic configuration.

2,700

transactions per second

34,5^M

transactions per day

1^B

transactions per month

12,6^B+

transactions per year

One-stop-shop digital wallet solution

Faster time-to-market

With e-wallets, there’s no one-size-fits-all solution, but SDK.finance streamlines the development process. Deploy your ewallet software on your servers or use its cloud-hosted version for even faster start. No need to build from scratch - which seriously cuts down the development time and costs.

Complete control

Get complete control over your digital wallet solution by acquiring the source code license for maximum flexibility and no subscription fees.

Powerful transactional core

Our ewallet API platform is a robust ledger designed using the latest fintech software development technologies. It can handle the influx of users and operations so that your team can focus on creating the custom functionality. More on the technology.

Standalone or embedded

Launch a full-fledged digital wallet product or add e-wallet payment solution's functionality to your existing product and unlock its cash-generating potential. You can configure and use a virtual or real currency, bonus points, or any other value of an account, which gives you limitless possibilities of extending your offering.

Check out the case studies

SDK.finance helped payment heavy businesses to build their payment solutions on top of our embedded wallet-based Platform.

MPAY - a payment app with ewallet

Through integrating telecom wallets into the existing POS network, Paywell built a loyalty system for retailers and developed a mobile application for improved user experience.

Explore

A Super App: Taxi, Food & Grocery Delivery, and Digital Payments

A leading super app in the Maghreb region licensed the SDK.finance source code to speed up building the app’s core instead of developing it from scratch.

Explore

Let's discuss how our embedded wallet software aligns with your vision

SDK.finance Embedded Wallet Solution FAQs

What are the benefits of using SDK-finance embedded wallet software with source code?

You purchase the embedded wallet source code license and get the freedom of modifications as you see fit.
Your team can customize the ready-made e-wallet software so that it meets all regulatory, security and compliance standards.
You start off having an essential part of your product at hand – a robust wallet engine designed to be easily extended via integrations, virtually without limits.

Can I request your embedded wallet product Demo?

Yes, we offer video demos of the backoffice for your team and mobile app for your clients. Both available there and then, no waiting.
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 are supported by the SDK.finance embedded wallet software?

SDK.finance architecture allows integrating any 3rd-party tools for each stage of the customer journey.
See all the pre-developed integrations.
For your custom integration requirements, our 470+ RESTful API set makes it easy to build integrations with third-party providers of your choice.

How does embedded e-wallet payment work?

To clarify the payment process of an embedded e-wallet, let’s consider the following steps:

The customer (cardholder) enters the card information into a payment service provider, like Apple Pay.
Then the card details are encrypted by a token service like VISA or VisaNet via a token requestor.
When the token service approves this request, the transaction is made and money is transferred to the merchant account.

What technology stack is used for the SDK.finance embedded wallet platform?

For details on the technologies used for our embedded wallet platform, visit our technology page.

Can I buy the e-wallet app source code?

Of course. Check out the code acquisition workflow for details. To buy the e-wallet app source code and get more details about the Platform, contact us.

Is SDK.finance an open-source e-wallet system?

The SDK.finance e-wallet system is not open source. All the functionality lies in using the 470+ APIs of the SDK.finance backend app.