Buyer workspace
Banks, MFIs, payment service providers, telcos, remittance operators, fintech founders, merchant networks, government programs, and enterprise payment teams.
Solution offer
Omnichannel Digital Wallet and Payment Rails Platform
A white-label payment platform for wallets, merchant acquiring, agency banking, bill pay, remittance, ledger, settlement, compliance, and API-led integrations.
Visual product gallery
See the solution as workspaces, modules, and delivery proof.
This gallery turns the offer into visible product areas a buyer can understand before reading the full scope.
Application core
The solution is packaged around the core workflows, dashboards, admin controls, and integration layers needed for the first build.
First release
The MVP should prove the main workflow, capture user interest, and produce enough evidence for a serious buyer conversation.
Delivery evidence
The handoff should include the screens, architecture notes, scope, and proposal assets needed to move from interest to implementation.
Customer Wallet
Mobile-first wallet workflows for onboarding, funding, transfers, bill payments, and account activity.
Merchant and Business Portal
Tools for merchants to collect, reconcile, refund, report, and manage payment operations.
Buyer profile
Banks, MFIs, payment service providers, telcos, remittance operators, fintech founders, merchant networks, government programs, and enterprise payment teams.
Core modules
What this solution can include
- Customer mobile wallet and web account workspace
- Merchant portal, QR collection, invoices, and settlement reporting
- Agent banking, branch service, float monitoring, and commission rules
- Payment switch for wallet, biller, bank, remittance, and provider routing
- Wallet ledger, transaction status, reconciliation, and finance exports
- KYC, AML, transaction limits, risk review, disputes, and audit evidence
- Admin console for users, merchants, agents, fees, rules, roles, and support
- API gateway, webhooks, provider connectors, sandbox, and developer documentation
- Notification service for SMS, email, push, receipts, alerts, and operational updates
- Analytics dashboards for adoption, revenue, settlement, risk, and channel performance
MVP scope
First version to validate demand
- Public product page and buyer request workflow
- Customer wallet onboarding, balance, payment, transfer, and history prototype
- Merchant dashboard for QR payments, settlement, invoices, and reports
- Admin console for KYC review, fees, limits, users, merchants, and transaction status
- Ledger, reconciliation, and settlement data model
- Integration roadmap for banks, billers, KYC, SMS, payment providers, POS, and accounting
Deliverables
What we prepare
- Digital wallet and payment rails MVP scope
- Customer, merchant, agent, and admin screen map
- Backend data model and ledger architecture outline
- Payment routing, API, webhook, and integration plan
- Compliance, security, settlement, and operations workflow brief
- Commercial proposal, launch roadmap, and pilot rollout plan
Commercial angle
How we package the offer
- Clear business problem and buyer profile
- Demo-ready software workflow
- SEO and answer-engine optimized service page
- Project request flow connected to Convex
Panel stack
Core workspaces and control layers.
Customer Wallet
Mobile-first wallet workflows for onboarding, funding, transfers, bill payments, and account activity.
- Customer registration, KYC status, profile, device, and security controls
- Wallet balance, transaction history, statements, receipts, and notifications
- Cash-in, bank transfer, QR payment, peer transfer, bill pay, and voucher flows
- Limits, fees, dispute entry, support tickets, and account status visibility
Merchant and Business Portal
Tools for merchants to collect, reconcile, refund, report, and manage payment operations.
- Merchant onboarding, store profile, QR codes, payment links, invoices, and POS records
- Payment status, settlement batches, payout accounts, reconciliation, and export reports
- Refund policy, dispute workflow, user roles, branch access, and support actions
- Merchant fee rules, campaign codes, cashier activity, and daily closing reports
Agent and Branch Network
A field operations layer for cash-in, cash-out, bill pay, registration, and assisted service.
- Agent onboarding, branch hierarchy, float balance, liquidity alerts, and supervisor review
- Cash-in, cash-out, transfer assistance, bill payment, and customer lookup workflows
- Commission rules, transaction limits, teller sessions, receipt printing, and audit logs
- Agent performance, exception handling, dispute escalation, and regional reporting
Payment Switch and Biller Hub
The routing layer for internal wallet payments, billers, bank rails, remittance, and external providers.
- Payment method registry, routing rules, provider connectors, retries, and status mapping
- Biller integration, utility payment, telecom top-up, tuition, public-service fee, and merchant payment flows
- Remittance request, beneficiary, payout, FX quote, compliance review, and settlement records
- Webhook events, idempotency keys, API logs, sandbox keys, and developer documentation
Compliance and Risk Operations
Controls for regulated payments, wallet activity, settlement evidence, and fraud response.
- KYC review, risk scoring, AML flags, sanctions checklist, and enhanced due diligence queues
- Transaction limits, velocity rules, suspicious activity cases, holds, freezes, and release approvals
- Role permissions, four-eye approval, audit logs, session controls, and evidence exports
- Operational dashboards for failed payments, disputes, exceptions, and settlement variance
Admin, Ledger, and Reporting
Back-office control for money movement, balances, settlement, finance, and performance reporting.
- Wallet ledger, double-entry transaction model, balance snapshots, and correction workflow
- Settlement batches, payout review, reconciliation, accounting exports, and finance reports
- Fee engine, commission engine, product configuration, service catalog, and notification templates
- Executive dashboards for volume, active users, merchants, agents, revenue, risk, and support load
Solution request
Request a scoped build for Omnichannel Digital Wallet and Payment Rails Platform.
We can turn this offer into a product brief, demo workflow, technical scope, and buyer-facing proposal page for your target market.
