Digital Wallet Platform

A complete digital wallet platform, built around your market.

Launch a configurable wallet ecosystem for customers, merchants, agents, branches, employers and partners. NoDust.ai provides the applications, APIs, ledger, administration, integrations and deployment infrastructure required to build a secure and scalable wallet service.

One wallet infrastructure. Multiple financial experiences.

Request a Wallet Platform Demonstration Enterprise Consultation

Positioning

Built for high-volume operators

A complete digital wallet infrastructure for payments, transfers, collections, financial services and customer engagement.

Who it is built for

Banks
Payment service providers
Fintech companies
Remittance operators
Telecom companies
Governments
Employers
Marketplaces
Large multi-branch organizations

Available as

SaaS
CaaS
White-label wallet
Dedicated enterprise deployment
Private-cloud deployment
On-premise deployment where required
API-only wallet infrastructure
Embedded wallet capabilities
Mobile application and web portal
Agent-assisted wallet solution

Supported surfaces

iOS
Android
Responsive web
Tablet interfaces
Branch and agent terminals
QR-enabled devices
POS integrations

Applications

Every participant gets a purpose-built interface

Applications and dashboards are branded, permissioned and configured per deployment.

Customer and merchant

Customer mobile application
Customer web wallet
Merchant application
Merchant web portal

Network and field

Agent application
Branch application
Branch and agent terminals
QR-enabled devices

Enterprise control

Operations dashboard
Compliance dashboard
Finance dashboard
Customer-support dashboard
Super-admin control centre
API developer portal

Customer wallet

Wallet products for every customer type

Wallet types, tiers and controls are configured per country, customer segment, currency and regulatory requirement.

Wallet types

Individual wallets
Business wallets
Merchant wallets
Family wallets
Youth wallets where legally permitted
Employee wallets
Payroll wallets
Government-disbursement wallets
Closed-loop wallets
Open-loop wallet integrations
Multi-currency wallets
Country-specific wallets
Virtual account support

Balances and records

Wallet balance
Available balance
Pending balance
Reserved balance
Transaction history
Statements
Downloadable receipts
Transaction search
Transaction filters

Customer controls

Digital customer onboarding
Beneficiary management
Favorite recipients
Saved merchants
Account limits
Spending controls
Dispute submission
Support requests

Profile and security

Profile management
Device management
Security settings
Language selection
Notification preferences

Wallet funding

Configurable funding across digital and physical channels

All funding methods are configurable by country, customer type, currency, partner, risk profile and regulatory requirement.

Digital funding

Bank card
Bank account
Payment gateway
Bank transfer
Open-banking integrations
External wallet integrations
API-based funding

Physical and network funding

Cash through agents
Cash through branches
Voucher or prepaid code
Gift card

Institutional funding

Payroll funding
Merchant refund
Remittance payout
Government disbursement
Corporate disbursement

Wallet transactions

Every movement of value a wallet ecosystem requires

Transfers

Wallet-to-wallet transfers
Person-to-person transfers
Person-to-business payments
Business-to-person payments
Bank transfers
Remittance sending
Remittance receipt

Acceptance

Merchant payments
QR-code payments
Static QR
Dynamic QR
Customer-presented QR
Merchant-presented QR
Payment links
Request-to-pay
Online checkout
In-app payments

Billing and recurring

Bill payments
Mobile top-ups
Subscription payments
Recurring payments
Utility payments
School payments
Donations

Cash and cards

Cash-in
Cash-out
Card funding
Card withdrawals where supported
Refunds
Partial refunds
Reversals

Disbursement and settlement

Payroll payments
Supplier payments
Bulk disbursements
Government payments
Marketplace settlements
Escrow-style payment flows where legally supported

Merchant wallet

Merchant acceptance, reporting and settlement

Onboarding and structure

Merchant onboarding
Merchant verification
Business-profile management
Multiple outlets
Multiple branches
Cashier users
Store managers
Finance users
Role-based permissions

Acceptance tools

Merchant QR codes
Payment links
Online checkout
In-app checkout
Product or invoice references
Custom payment fields
Payment notifications

Money movement

Refund management
Merchant commissions
Configurable fees
Settlement schedules
Reserve management
Dispute tracking

Reporting and integration

Transaction history
Settlement reports
Reconciliation reports
Branch-level reporting
Cashier-level reporting
Downloadable statements
API keys
Webhooks
Integration settings
Accounting integrations

Agent and branch network

Full capability for cash networks and physical distribution

Counter operations

Cash-in
Cash-out
Customer registration
Customer verification
Wallet funding
Wallet withdrawal
Remittance payout
Bill payments
Receipt printing
SMS receipts
QR receipts

Float and cash position

Agent wallets
Agent float management
Real-time balances
Float alerts
Cash-position reporting
End-of-day reports

Control and performance

Transaction limits
Agent commissions
Branch commissions
Maker-checker controls
Supervisor approvals
Agent performance dashboards
Suspicious-activity escalation

Cards and wallet integration

Card programmes delivered through approved issuing partners

Card issuance is delivered as an integration with approved issuing and processing partners. NoDust.ai provides the wallet-side experience, controls and ledger, not regulated card issuance.

Card types supported

Virtual cards
Physical cards
Prepaid cards
Debit cards
Gift cards
Payroll cards
Tokenized cards

Partner integrations

Card-management platforms
Card processors
Card-issuing partners
Card PIN services
Card-printing providers

In-wallet card experience

Request a card from the wallet
Select virtual or physical card
Card activation
Set or change PIN
Freeze or unfreeze card
Card replacement
Card transaction history

Card controls

Card spending controls
Online payment controls
International-payment controls
ATM controls
Contactless controls
Card limits
Card-to-wallet transfers
Wallet-to-card funding

Wallet administration

One enterprise control centre for the whole wallet estate

Entities

Customer management
Wallet management
Merchant management
Agent management
Branch management
User access
Roles and permissions

Transaction control

Transaction monitoring
Transaction search
Manual review queues
Payment approvals
Account restrictions
Wallet suspension
Wallet closure
Balance adjustments with approvals

Commercial configuration

Fee configuration
Commission configuration
Limit management
Currency management
Exchange-rate management
Country configuration
Product configuration
Language management
Terms and policy versions

Money and cases

Settlement management
Reconciliation
Disputes
Refunds
Chargeback records
Support cases
Notifications
Campaigns

Assurance

Reports
Exports
Audit logs
System health
Integration monitoring
API usage
Webhook monitoring

KYC and compliance tools

Configurable tooling to support your compliance programme

The platform provides configurable tools and integrations that can support the customer's compliance programme. Regulatory responsibility remains with the licensed operator.

Identity and verification

Identity verification
Document collection
Document expiry alerts
Liveness integrations
Facial-verification integrations
Business verification
Beneficial-owner management

Risk and tiering

Customer-risk classification
Wallet tiers
Tier-based limits
Transaction monitoring
Suspicious-activity alerts

Screening integrations

Sanctions-screening integrations
PEP-screening integrations
Watchlist integrations

Case handling

Case management
Compliance notes
Enhanced due diligence
Source-of-funds collection
Source-of-wealth collection
Manual-review queues
Approval workflows

Records

Audit history
Regulatory report exports
Customer-consent records
Data-retention controls

Ledger and accounting

Every transaction accounted for. Every movement traceable.

Ledger structure

Double-entry ledger
Wallet sub-ledgers
Merchant ledger
Agent ledger
Branch ledger
Fee ledger
Commission ledger
Settlement ledger
Suspense accounts
Clearing accounts

Balance and lifecycle

Reserved balances
Pending balances
Available balances
Immutable transaction references
Transaction lifecycle tracking
Reversals
Refunds
Adjustments with approvals

Controls and reporting

Reconciliation controls
Daily balancing
Trial balance
General-ledger exports
Accounting-system integrations
Financial reports
Settlement reports
Fee reports
Commission reports
Audit-ready transaction history

APIs

Wallet APIs

Every wallet capability is available as a secure API for embedded and headless deployments.

Endpoints

Customer creation
Wallet creation
Wallet verification
Balance enquiry
Transaction enquiry
Wallet funding
Wallet withdrawal
Wallet transfer
Merchant payment
QR generation
Payment links
Refunds
Reversals
Beneficiaries
Limits
Fees
Statements
Disbursements
Bulk payments
Notifications
Customer verification
Agent transactions
Settlement files
Reconciliation files
Transaction status
Webhook events

Platform requirements

OAuth or equivalent secure authentication
Signed requests where appropriate
Idempotency keys
Rate limiting
Versioned APIs
Sandbox environment
Production environment
Webhooks
Webhook retries
Request logging
API usage dashboards
Developer documentation
Example requests
SDK support where available
IP allowlisting
Client-specific credentials
Environment isolation

Security

Controls applied across identity, transaction and administration

Multi-factor authentication
One-time passwords
Biometric-login support
Device binding
New-device verification
Transaction PIN
Step-up authentication
Session controls
Account lockout
Velocity controls
Transaction limits
Risk scoring
Fraud rules
IP monitoring
Location monitoring where legally permitted
Encryption in transit
Encryption at rest
Secure key management
Tokenization
Audit logs
Security alerts
Admin approval workflows
Role-based access control
Segregation of duties

Scope and claims

What we state, and what we do not

NoDust.ai provides wallet technology. Regulated activity — holding funds, issuing cards, operating payment services — remains with the licensed operator and its approved financial partners.

Card issuance is described as an integration with approved issuing and processing partners. NoDust.ai does not itself issue regulated cards.