White-label digital wallet software Platform

Tailored for FinTech SMBs, ambitious startups, and financial institutions, our end-to-end digital wallet software solution ensures a swift start, cost-effectiveness, and seamless growth for your e-wallet product. Accelerate your time-to-launch and conquer new markets with the SDK.finance e-wallet solution.

Build the ewallet people will prefer

SDK.finance ewallet provider offers the foundation needed to equip your digital wallet product for success to make it your clients’ favourite and meet their financial needs.

Accounts storing any currency/assets

From fiat currencies and bonus points to coffee beans and liters, deal with almost any type of assets using our transactional engine as a foundation. Add as many currencies or other asset types to the digital wallet system as you deem necessary, without any limits.

Bank payments

Integrate with a banking network to provide bank payments: IBAN, SWIFT to satisfy your users’ financial services needs and let them transfer funds to bank accounts. This is an opportunity for your digital wallet product to attract different audience segments and increase the turnover.

Borderless transfers

Provide internal P2P transfers, irrespective of the location. Whether it’s a transfer to a friend at the bar or sending money overseas, let your users do it in a few clicks, saving them from the transfer-related hassle. Enable payments between cards, wallet and mobile via an integration with the corresponding service or payment providers.

Popular payments

Integrate local vendors to enable utility bills and broadband payments, mobile phone recharge, and payments for other popular services.

Currency exchange

Enable customers to open their wallets in multiple currencies and perform currency exchange within their wallets.

Card issuing

Offer seamless virtual and physical card issuing services for managing debit cards hassle-free via our easy-to-use card issuance API.

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

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

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 (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

Ewallet solution equipped for scaling

Catering for various customers

Cost savings

Monetization tools

Convenient back-office

Both for individuals and merchants

Serve individual customers, helping them pay and make purchases, as well as businesses, helping them get paid by accepting payments online, in-store or even on the go.

Affordable subscription model

The pay-as-you-go cloud-based model is a solution for startups seeking a cost-effective approach to software development. By charging solely for processed transactions on a monthly basis, this model eliminates the need for upfront investment.

Open new revenue streams

Our virtual wallet software can be used to build a loyalty or rewards program, provide meal vouchers for employees, gift of prepaid cards etc. - just to name a few of the use cases. Monetize each customer segment via flexible commissions and operations fees and limits. Achieve a balance between delivering value to customers and increasing your bottom line.

Boost team productivity

SDK.finance digital wallet software backoffice can help your team get more done. Enable each staff member to focus on important business tasks rather than coping with routine to influence overall customer satisfaction and promote revenue growth.

Affordable digital wallet software for a quick start

No commitment or hefty investments. Enjoy the convenience of the pay-as-you-go pricing model and let us handle the ewallet app engine maintentance.

Affordable solution

We offer affordable pricing that is undoubtedly far below the cost of developing the same functionality from scratch.

Works in any country

Your database is hosted on your company's server. Regardless of location, regulatory compliance will be easier to ensure.

API-driven

400+ digital wallet API endpoints let you connect your payment solution to a broad set of customer services fast and cost-effectively.

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 compliance. This streamlined integration process ensures a hassle-free setup for your financial operations. More information about integrations here.

Use cases for our digital wallet software

Thanks to its adaptability and flexibility, our ewallet platform caters for various industries and business types.
Below there are just a few examples of how it can be implemented to open new revenue streams for established businesses.

eCommerce/retail

Connect sellers and buyers by enabling peer2peer transfers between them in different currencies. Create an escrow-like intermediary role to keep the money after it has been paid till the buyer is satisfied with the purchase to secure the funds.

Loyalty program

Build a rewards program around a closed-wallet system. You can introduce prepaid, gift or bonus cards, maintaining a record of each operation, updating balances in real-time, which will bring more value for your customers or employees.

Telecoms

Leverage the software from a digital wallet provider to set up a new revenue stream. Provide customers with an alternative to a bank account - let them receive and send money plus complete payments with their mobile balances.

Crypto to fiat solutions

Enable conversions between cryptocurrencies and fiat currencies. Facilitate instant crypto payments and withdrawals, allowing users to transact in their preferred currency.

Banking wallet

Stay competitive and receive additional revenue by providing mobile wallet services 24/7 to your customers on-the-go.

Gaming wallet

Let your customers store their assets in their wallets and pay using them, for convenience and deeper engagement.

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.

This scalability ensures that the Platform can effortlessly support your business growth, accommodating transaction volumes ranging from 1 thousand to 1 billion+ monthly transactions without any performance hiccups.

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.

Easy start

Our digital wallet platform's delivery is cloud-based, with a subscription pricing model. No commitment or investing large sums upfront. Benefit from cloud-hosted software without any maintenance-related fuss. But if you're looking for on-premise software, we've got you covered too.

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, with no need to look under the hood. 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 digital 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

Geidea - a leading MENA PSP

Explore how a leading payment service provider operating in Saudi Arabia, UAE and Egypt transformed its core transaction accounting system by integrating SDK.finance software with its existing POS network.

Explore

Digital wallet development services

SDK.finance can assist you with implementating your idea in code and interface:

Streamline product delivery
Use a pre-developed FinTech backend
Cooperate with a team of experts without the hassle of hiring
Conserve the valuable resources of your internal team

Let's discuss how our ewallet software aligns with your vision

SDK.finance Digital Wallet Solution FAQs

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

You purchase the digital wallet source code license and get the freedom of modifications as you see fit.
Your team can customize the ready-made ewallet 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 digital wallet product Demo?

Yes, we provide an interactive sandbox demo environment at 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 are supported by the SDK.finance ewallet 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 400+ RESTful API set makes it easy to build integrations with third party providers of your choice or have them developed by us (subject to prior discussion).

How does e-wallet payment work?

To clarify the payment process of an 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 e-wallet platform?

A technology stack is a complex of programming languages, frameworks, and databases used to create a payment solution. SDK.finance utilizes the following technologies for e-wallet platform:

Programming languages: Java 17 LTS
Frameworks: Spring 5.3.9, Spring Boot 2.5.4, VUE.JS 2.6.12
Databases: PostgreSQL 13.3, MongoDB 4.2.2

For details, visit our technology page.

Can I buy the e-wallet app source code?

Of course. To buy the e-wallet app source code you can contact us, and share your product vision.

The purchasing process takes 3 steps:

Technical audit of the product by your team.
Knowledge transfer – from our team to yours.
Signing the contract and code handoff.

Check out the code acquisition workflow for details.

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 400+ APIs of the SDK.finance backend app.