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White Label Digital Wallet Platform

Accommodate your needs with our digital wallet solution — an adaptable service that can be used in its entirety or purchased in units.

Does Our Wallet Solution Suit You?

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Yes, If You Need the Following Services:

Full-fledged digital wallet

Integration of crypto accounts and crypto operations into existing eWallets

Wallet module for depositing, withdrawing, and converting money, etc.

Integrations with external partners (e.g., KYB, OTC, and anti-fraud services, etc.)

Framework for handling digital assets, digital currencies, and CBDCs

Functionality for money and cryptocurrency transactions (input and output)

Who Does Our Payment Solution Serve?
  • EMI, MSB, and other license holders
  • Marketplace sellers
  • Banks
  • Holders of alternative licenses, such as Asset Management, Brokerage, Digital Remittance, etc.
  • Casinos, betting companies, and other entities in the gambling industry
  • Fiat wallet providers seeking crypto services integration

Key Features of Our EWallet Solution

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Would you like to make mobile payments a matter of seconds? Or perhaps your goal is to enable efficient international money transfers, and you strive to reduce costs of commision for your audience? Whatever the case, our product can meet your needs — whether you choose the complete solution or select only the components that fit your digital puzzle.

Let's Get Started

  • Sign-up Our solution fosters security and safety of operations. All users have to undergo an obligatory KYC procedure. We make that happen via an integration with a third-party KYC provider. If we integrate the service into an existing product, KYC is omitted.
  • Verification Semi-automatic verification for business customers with manual admin approval. Omitted for integrated services.
  • Log in Robust security with two-factor authentication and password management to protect user data.

Accounts & Cards

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Linking bank accounts

Connect existing accounts to an eWallet for easy account management, i.e., wallet top up and withdrawal.

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Multiple currencies accounts

Set up a transactional account in different currencies, like in a national currency and in a number of foreign ones. Currently, our product supports 50+ currencies, amongst them are USD, EUR, GBP, CNY, SGD, KRW, JPY, AED, etc.

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Card issuing

It's very easy to obtain a virtual card with our wallet solution. We work with UnionPay, MasterCard, Visa, and other payment systems to ensure the convenience of your clients and contribute to a positive user experience.

Operations

Transfers

Enable frictionless wallet-to-bank, bank-to-bank, and P2P wallet transfers. Whether it's local transactions or international, they are going to be equally swift and secure.

Payments

Whether it's QR code payments, dealing with bills, or making purchases, we bring those to life at a high speed.

Top up

Your clients can send money to their account via credit cards, debit cards, bank transfers (requires a manual confirmation by an operator), etc.

Transaction history and receipts

Users can easily track their spendings with reporting on transactions and generation of digital receipts.

Withdraw

Users can move money from their wallet to any type of card or to a bank account (requires a manual confirmation by an operator).

Contracting

There are a number of financial operations that require extra precautions, like wallet account opening. We integrated an e-sign service DocuSign to ensure a high security level and minimize fraud.

Management Portal

A reliable back office to support the smooth performance of your solution. It encompasses functionality for user data control, performance tracking, security, etc.

  • Verify business applications to open e-Wallet accounts.
  • Register inflows and outflows for transactions
  • Leverage role-based access management.
  • Get to know your customers better and improve business management via analytics and reporting.

Our Perks

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Mobile wallet solution

We offer mobile wallet solutions for iOS and Android enhanced with push notifications to keep users in the loop of their balance changes and grow your customer base.

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Integration API/SDK

Our platform comes with an API and associated documentation for integration into existing solutions.

What Is an MVP, and Why Do We Offer It?

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Our Approach

Business needs of financial services companies differ. They depend on a digital service type and its roadmap, niche, target audience, etc. What unites these companies is the challenge they face: adapting to the ever-evolving demands of the fast-paced, progressively more digital environment.

Determined to help our clients respond to this challenge, we've leveraged years of our hands-on experience of delivering products for the finance industry and identified basic eWallet functionality. That is a feature set, readily available and comprehensible, with clear dependencies and minimal risks, and it is called an MVP (a minimum viable product).

Why Is It a Good Idea to Start with an MVP?

Launching a product in the MVP format helps you to significantly reduce the risks of delays, budget increase, etc. An MVP also lets you gather feedback from early users and consider it in the future phases of the development process, thus improving the product. From marketplace sellers to banks and casinos, the speed and security of this approach provide an undeniable advantage.

How Does It Work?

It takes about 3–4 months to build an eWallet MVP.*

The scope of work that we do includes:
  • customization of the solution;
  • definition of the customer-centric UX/UI design concept and its implementation;
  • resolution of deployment related matters;
  • resolution of matters related to subsequent support.

The next step is to build a continuous process of product development, with regular updates and new functionality.

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*If you're interested in purchasing specific units of the platform, the timeframe will be discussed individually.

Contact us if you would like to get a better understanding of the workflow, development time, and subsequent processes. We are here to arrange an online consultation to cover all the details (1 hour).

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Alexander Arabey

Co-founder, VP of Business Development at Qulix

Whether it's instant transfers between fiat or crypto accounts, swift bill payments, arranging digital loans via a mobile application, paying for online purchases with just a few taps, or building a full-fledged financial digital ecosystem — our product fits seamlessly into the conversation. Unlike traditional payment methods that lack speed and security, digital wallet solutions provide unmatched accessibility and convenience for consumers while driving customer engagement across all business types.

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EWallet Payment Solution for Startup Specializing in Trade Deals with RWAs

The client's goal was to build a finance platform. It had to include a digital wallet system, perfectly suited for both local and international transactions, as well as an investment functionality.

The e Wallet platform we developed offers seamless and secure financial operations with low transaction costs, asset management opportunities, document signing functionality, a superior management portal, and many other features. The final product is available on both iOS and Android.

LEARN MORE

Technology Stack

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By default, we use a set of core technologies:
  • Java
  • React
  • PostgreSQL
  • AWS (Amazon)
  • Kubernetes
  • Docker
  • Kafka (for certain projects)
Blockchain (for digital asset wallets):
  • Solidity
  • RUST
  • GetBlock
  • Blockchain scanners
Android:
  • Kotlin
IOS:
  • Swift

*If necessary, we can use other technologies, like .NET, Go, Node, hybrid mobile frameworks, etc. This will make the work process a little longer, but it won't get fundamentally more complex.

Architecture-wise, an eWallet might be organized this way:

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Architecture of a Bank EWallet Solution

Depending on a business domain, architecture differs. For financial institutions like banks, it may look like this:

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If you're interested in a detailed discussion of the tech stack, let's meet up for a technical workshop. It's the best way to cover all questions

Why Choose Us as Your Digital Wallet Solution Providers?

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Guaranteed results

We deliver a ready-to-use MVP within 3 to 4 months. In addition to the MVP, we provide you with established processes for the future product development.

Flexible pricing

We aim to build business partnerships that last. If a project is promising, and we expect it to be long-term, we can pass the solution to the client at a lower cost.

Expertise

25+ years in the market, 200+ clients globally, over 80% of projects are banking solutions. We know how to deliver a quality product.

Roadmap partnership

We have a vast experience with digital assets, investments, cryptocurrencies, cross-border payment processes and remittances, PFM/BFM, and many other things. If you need a partner to develop a project roadmap, we are glad to offer our services.

Why Choose Us as Your Digital Wallet Solution Providers?

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Getting Started with Digital Payment Technologies: Preparation Process

  • NDA, followed by a pre-study: we determine the client's needs, outline the roadmap for service development, define integration specifics with external systems, etc.
  • Information analysis. Our team prepares a document that outlines our vision for product implementation, its phases, and estimated costs.
  • Document negotiations.
  • Agreement signing.
  • Development phase.

Standard EWallet Timeline

  1. Pre-study ≈ from 2 to 4 weeks
  2. PoC (Proof of Concept) ≈ 4 weeks
    We deploy the solution in a white-label design to a test environment, then perform basic integration with external components and ensure the smooth execution of main scenarios.
  3. Beta MVP ≈ from 4 to 8 weeks
    Qulix engineers put finishing touches to the MVP functionality. Designers create the UI/UX concept and use it to replace the white label design.
  4. Friends & Family testing/Go live ≈ 2 weeks
    Deployment to the production environment. Our team conducts testing with a limited number of users and establishes processes for subsequent support.
  5. Continuous development
    Qulix team covers the rest of functionality from the project roadmap.

Contacts

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We’d love to hear from you!

Tell us about your project or the challenge you have, and we’ll get back to you soon.

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