A wallet platform built around your commerce ecosystem.

Build digital wallets, coalition loyalty and reward programs with API-led issuance, redemption and settlement.

Discuss your requirementsSee what we build
Part of a wider industryPayments & wallet businessesLending platformsEmbedded finance providers

How a financial product actually operates

Connect merchants, customers and financial operations through clearly defined wallet rules, transaction records and integration boundaries.

A customer making a contactless payment at a café
A customer making a contactless payment at a café
  1. 01

    Issue value

    Identity, eligibility, and the first useful action are one flow.

  2. 02

    Earn & redeem

    Limits, KYC/AML, and risk checks sit on the path money takes.

  3. 03

    Apply merchant rules

    Authorisation, clearing, and customer status share one state machine.

  4. 04

    Reconcile settlement

    Provider files, ledger, and support cases close against the same reference.

Connected through
  • Payment providers
  • Identity and KYC services
  • Ledger and reporting
  • Core banking or PAS

Jobs this software is built to finish.

A connected rewards experience

Product teams

Link earning and redemption across your merchant network.

Clearer merchant control

Operations & support

Define program rules, permissions and operational reporting.

Traceable transactions

Finance & risk

Connect customer actions to ledger and settlement records.

First successful transaction, not just a signup

Product and growth

See where verification, funding, or the first payment actually fails.

Built for the people who run the day.

Give each team the information and tools they need to do their part.

Product teams

The step where customers fail to complete a real transaction.

Operations and support

What happened, and which action is actually permitted.

Finance and risk

Movements they can account for, and exceptions they can investigate.

Software we build for wallet-as-a-service.

Explore the capabilities below to see the workflows and features we can build around your operation.

Fits the systems you already run.

We integrate payment providers, identity, and the ledger you already trust. The product should not invent a second balance.

Systems we typically connect

  • Payment providers
  • Identity and KYC services
  • Ledger and reporting
  • Core banking or PAS

Designed into the build

  • KYC/AML case evidence
  • Explainable decision logs
  • Segregation of duties

Useful on one job first.

We apply AI to a task your team already owns. A person still reviews anything that changes money, safety, or a customer promise.

Explore AI Services

Triage support investigations

Summarize transaction evidence for authorized staff without inventing a payment status.

Assist document review

Extract fields for review; consequential eligibility decisions remain with the authorized process.

The friction sits in the handoff.

Common challenges we address when planning a system with your team.

Onboarding that does not activate

The flow is short. The first useful action still fails.

Customer status and the ledger disagree

A callback, a screen, and a book entry tell three stories.

Every new provider adds breaks

Finance inherits records nobody designed to reconcile.

A first slice your team can judge.

We start from the workflow and systems you already run, then release something operators can accept or send back.

01

Map the operating workflow

Users, systems, and the first capability worth shipping, named with the people who run it.

02

Define the first release

Scope, data ownership, integration boundaries, and how your team will accept the work.

03

Build with the operators

Working software in the real workflow, including the exception paths people actually take.

04

Launch, measure and extend

Rollout, support, and the next capability against the measures you already collect.

Want this scoped to your operation?

Discuss your requirements

Before you write to us.

Can you integrate with our POS?

POS and billing integrations are scoped around the APIs, events and reconciliation needs of your existing systems.

How are regulatory requirements handled?

Requirements depend on geography, transaction type and business model. Define the relevant legal, security and operational requirements with your advisors during discovery.

Let’s define your next step.

Tell us what needs to work better in wallet-as-a-service, the systems you use, and the scope you have in mind.

Discuss your requirementsShare your requirements through our enquiry form.

The technology behind the work.

Explore our approach to backend, web, mobile and AI engineering.

Explore our technologies

Selected case studies

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A little closer, wherever you are

Big world.
Close partnership.

Product engineering, AI and Odoo ERP, with a shared plan and a working rhythm built around your team.

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Our offices Customer presence

Different time zones. One shared vision.

Explore our global presence

Featured blogs

Technology, automation, AI, and how digital products actually get built.

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