Top-ups
Load from card, UPI, netbanking or bank transfer.
Payments
Your Own Digital Wallet
We build branded digital wallets with top-ups, peer-to-peer transfers, cashback and rewards, all sitting on a double-entry ledger you own, so every rupee is accounted for.
- Top-ups from card, UPI and netbanking
- Peer-to-peer transfers in seconds
- Cashback, rewards and loyalty
- Double-entry ledger you control
Overview
A Wallet That Balances
A wallet is only as good as its ledger. We build yours on a double-entry core so every top-up, transfer, refund and cashback is recorded, auditable and impossible to lose track of.
On top of that we add the experiences users love, instant P2P transfers, split bills, cashback and loyalty, and the controls you need, limits, KYC tiers and full transaction history.
What you get
- Wallet top-up from multiple sources
- Peer-to-peer and merchant payments
- Double-entry transaction ledger
- KYC tiers and balance limits
- Cashback, rewards and loyalty engine
- Statements and transaction history
Loved by Users, Trusted by Finance
The features that drive daily use, on top of a ledger your auditors will thank you for.
P2P Transfers
Instant wallet-to-wallet transfers and split bills.
Double-entry Ledger
Every movement recorded, reconciled and auditable.
Rewards Engine
Cashback, points and tiered loyalty that drive retention.
KYC Tiers
Balance and transaction limits mapped to KYC levels.
Statements
Clear history and downloadable statements for every user.
Our Delivery Process
Four disciplined stages, a fixed milestone plan, and staging you can watch from day one.
Discovery
Requirements, compliance scope, target users and the metrics that define success.
Architecture
A secure, scalable architecture, the integrations mapped and a fixed milestone plan.
Build & Integrate
Built in two-week sprints, wired to your payment and banking rails, tested on live staging.
Launch & Support
Security hardening, zero-downtime go-live, source and IP handover, then ongoing support.
The Fintech Toolkit
Wallet Core
Ledger
Node.js
PostgreSQL
Encryption
Mobile SDK
Digital Wallets Questions
We build both. A closed-loop wallet spends inside your ecosystem, while an open-loop wallet with a PPI licence can pay anywhere. We help you scope the right one.
A semi-closed or open wallet needs an RBI Prepaid Payment Instrument authorisation. We build to those norms and can guide you through the requirements.
Every transaction is written to a double-entry ledger, so balances always reconcile and nothing can silently drift.
Yes. A configurable rewards engine supports cashback, points and tiered loyalty without a rebuild each time you change the rules.
Ready to build in fintech?
Tell us your product idea and your compliance needs. We come back with an architecture, a milestone plan and a fixed number.
- Free consultation
- NDA signed upfront
- Fixed milestone pricing