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One Core. Multiple Financial Services.

Digital Wallet & Payment Platform

A secure, multi-tenant digital wallet and payment platform combining a central wallet and double-entry ledger engine with role-based mobile, web, and USSD channels. The platform supports payments, transfers, merchant services, SACCO and co-operative workflows, agent networks, reconciliation, eKYC, AML/CFT monitoring, reporting, and national payment ecosystem integrations.

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FinTech · Digital Wallet · Payments · WaaS
Digital Wallet & Payment Platform
Project Duration 4 Months
Team Size 5 Members
Our Services Digital Wallet & Payment Platform Development
Project Status Live

Project Overview

Overview: The platform provides a shared digital payments core that can support independently configured programmes for SACCOs, co-operatives, merchants, enterprises, and other institutions. A multi-tenant Wallet-as-a-Service model provides tenant-level branding, rules, roles, reporting, and data isolation while operating on a common platform core.

Access Channels: The solution delivers role-based services through a React Native mobile application, React.js / Next.js web portal, and USSD services for customers, merchants, agents, businesses, institutions, and administrators.

Financial Operations: The core platform combines double-entry wallet accounting, transaction processing, payment and settlement workflows, automated daily reconciliation, tiered eKYC, AML/CFT and fraud monitoring, audit logging, and configurable business rules.

A Multi-Tenant Core for Digital Financial Services

The platform brings wallet operations, payments, settlement, compliance, reconciliation, and institution-specific configuration together in one governed architecture, while allowing each tenant to operate with its own branding, rules, roles, fees, reporting, and member data.

The Challenge

  • Support multiple financial-service programmes on a shared platform without exposing data or operational configuration across tenants.
  • Provide consistent financial accounting through a double-entry ledger that supports customer, merchant, business, agent, institution/trust, and escrow wallet types.
  • Serve different user groups through appropriate channels, including mobile applications, web portals, and USSD for users without internet access.
  • Connect the platform with banks, national payment infrastructure, mobile money operators, billers, KYC/AML providers, notification services, and regulatory reporting systems.
  • Build security, eKYC, AML/CFT monitoring, reconciliation, auditability, and configurable business controls into the core operating model.

Our Solution

  • Core Wallet & Ledger Engine - a centralised wallet and transaction engine using double-entry accounting, atomic postings, idempotency controls, transaction-state tracking, reversals through compensating entries, and auditable financial records.
  • Multi-Tenant WaaS - tenant isolation with independent branding, member wallets, business rules, fee schedules, transaction limits, roles, administrators, reporting, and trust/escrow account positions.
  • Role-Based Channels - mobile, web, and USSD experiences tailored to customers, merchants, businesses, agents, institutions, and platform administrators, including wallet funding, transfers, QR payments, bill payments, airtime, cash-in/cash-out, and bulk disbursements.
  • Payments, Settlement & Reconciliation - integrations for national payment rails, banks, mobile money, billers, and other partners, supported by configurable settlement rules and automated daily matching across ledger, external rails, and trust/escrow records.
  • Security & Compliance - OAuth 2.0 / JWT, RBAC, MFA, encryption, tiered eKYC, sanctions and PEP screening, AML/CFT monitoring, fraud and risk controls, immutable audit logging, and regulatory reporting outputs.
  • Cloud & Operations - containerised deployment supporting cloud, on-premise, or hybrid models, with PostgreSQL, MongoDB, Redis, Kubernetes-ready architecture, monitoring, logging, backup, and disaster-recovery capabilities.
  • Regulatory Alignment - the architecture is mapped to Zambia's National Payment Systems Act, BoZ electronic-money directives, the Data Protection Act, FIC AML/CFT obligations, and ZRA Smart Invoice requirements, with final regulatory interpretation and licensing handled by the client/partner.
  • Reporting & Monitoring - operational, financial, settlement, user, merchant, agent, and regulatory reporting supported by platform dashboards, audit logs, exception tracking, and Prometheus/Grafana/ELK monitoring.
Features

Key Features

01

Multi-Tenant Wallet-as-a-Service

Provision isolated tenant environments with independent branding, member wallets, roles, business rules, fees, limits, reporting, and trust/escrow positions on a shared platform core.

02

Digital Wallet, Payments & Settlement

Support wallet creation and funding, wallet-to-wallet and wallet-to-bank transfers, QR payments, bill payments, airtime/data, cash-in/cash-out, merchant settlement, and bulk disbursements.

03

eKYC, AML & Financial Controls

Apply tiered eKYC, PEP and sanctions screening, transaction monitoring, fraud-risk controls, Maker-Checker approvals, audit logging, and FIC-oriented suspicious transaction reporting workflows.

04

Automated Reconciliation & Ecosystem Integration

Connect banks, the National Financial Switch, mobile money operators, billers, KYC/AML providers, notification services, and regulatory systems, with automated daily reconciliation and exception management.

Technologies Used
React Native
React Native
React.js
React.js
Node.js
Node.js
PostgreSQL
PostgreSQL
MongoDB
MongoDB
Redis
Redis
AWS Cloud
AWS Cloud
Docker
Docker
Kubernetes-ready deployment
Kubernetes-ready deployment
Prometheus
Prometheus
Grafana
Grafana
REST APIs
REST APIs
OAuth 2.0
OAuth 2.0
JWT
JWT
Banking and National Financial Switch connectivity
Banking and National Financial Switch connectivity
MTN Mobile Money
MTN Mobile Money
Airtel Money
Airtel Money
Zamtel Kwacha
Zamtel Kwacha
SMS
SMS
Email
Email
Visual Preview

Project screenshot

Explore key screens and interface highlights that showcase the project’s design, functionality, and overall user experience.

Modern Fintech Wallet Dashboard
Multi-Tenant Admin Dashboard
Fintech Operations Dashboard Overview
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Create a secure wallet and payments infrastructure with multi-tenant capabilities, financial controls, ecosystem integrations, and flexible delivery across mobile, web, and USSD.

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