Customer
Wallet app
Everyday money in one place.
- Balance & history
- Send & request
- QR pay & receive
- Top-up & savings
Industry · Fintech
A wallet people trust
Send, request, QR pay, top-up and save — with KYC, limits and a full admin console.
- Wallet MVP · Quote
- Discovery · Free call
What do you need to launch a digital wallet app?
Before any code, you need a legal route to hold or move money: your own e-money or payment licence, or a partnership with a licensed bank or payment provider. Then you need KYC, transaction limits, a ledger and an admin console for compliance. Joldisoft builds the wallet app, ledger and console and integrates the licensed partner you choose. Fintech projects are quoted after scoping.
Business models
Business models that work
Pick one to start. The platform supports mixing them later.
Transfer fees
Small fees on instant or cross-border transfers.
Merchant QR payments
Merchants pay a fee per QR payment.
Bills & top-ups
Commission from billers and operators.
Cards
Interchange from virtual or physical cards.
Launch checklist
What you need to launch
What to have ready besides the apps. We help with everything in the technology column.
Licences & compliance
- E-money / payment licence, or a licensed partner bank or PSP
- KYC and anti-money-laundering process
- Data-protection and security policies
Partners
- Banking partner for funding and withdrawals
- Card issuer if you offer cards
- Billers and mobile operators for top-ups
Money flows
- Double-entry ledger for every balance
- Limits per KYC level
- Fees, refunds and chargebacks
Operations & tech
- Compliance and support team
- Fraud monitoring
- Wallet app, merchant tools and admin console
Licence rules differ by country and city — confirm them with your local regulator or lawyer. This list is a starting point, not legal advice.
The platform
Apps we build for fintech
Android and iOS apps in Flutter, plus a web admin panel — all in your brand.
Partner
Merchant tools
Get paid by QR or link.
- Merchant QR
- Payment links
- Settlements
- Refunds
Admin
Admin console
Compliance and control.
- KYC review
- Limits & fees
- Ledger & reports
- Fraud flags
Wallet flows
Every money move, designed
Pick a contact, type an amount, review fees, done.
Choose recipientSearch or pick from suggested and saved contacts, with a built-in QR shortcut to pay anyone instantly.
- Enter amount
A clean amount keypad with currency picker and an optional note, ready to send or request in one step.
Review and confirmUsers confirm the funding source, payment type, fees and delivery time before money leaves the wallet.
Payment sentAn instant success screen confirms the transfer and lets the sender react with emoji.
Request moneyA full-screen keypad to request money, split a bill with a group pool, or pay with one thumb.
Real screens
Swipe →See the apps
Real screens from our platforms. Yours ship in your colours, name and languages.
- Wallet home
- Choose recipient
- Enter amount
- Review and confirm
- Payment sent
- Request money
- QR receive
Transaction history
Top up wallet
Add a card
Savings goal
Notifications
Key features
Built in from day one
Send & request
Pay anyone from contacts in seconds.
QR payments
Scan to pay, show your code to get paid.
Top-up
Add money from a card or bank.
History
Searchable, filterable activity.
Savings goals
Set a target, track progress.
Alerts
Every transfer and login notified.
KYC levels
Limits grow as users verify.
Security
PIN, biometrics and device binding.
How we deliver
From call to launch
A fixed quote before we start, and a demo at every step.
- 01Week 1
Discovery
Users, flows, compliance needs and integrations — written down and signed off.
- 02Weeks 2–4
Design
Every screen designed in Figma and clickable before code starts.
- 03Weeks 4–10
Build
Apps, API and admin panel in two-week sprints with a demo each sprint.
- 04Weeks 10+
Launch & support
QA, store publishing, source-code handover and 90 days of support.
Pricing
Full pricing →One-time price. No vendor branding.
- Wallet MVP Quote · Fixed price after scoping
- Discovery Free call · 30 minutes
Your own running costs — server, Maps, SMS, store accounts and payment fees — are paid directly to those providers.
FAQ
Questions, answered
Do I need a licence to launch a wallet?
Usually yes. Holding customer money normally requires an e-money or payment licence, or working through a licensed bank or payment provider. Requirements differ by country, so take local legal advice first.
Which payment providers can you integrate?
We integrate the provider you choose — for example Stripe, PayPal, local wallets like bKash, or a partner bank's API — as long as it offers an API for your use case.
What do the wallet screens include?
Wallet home with balance, choose recipient, send amount, review and confirm, payment sent, request money, QR receive, transaction history, top-up, add a card, savings goals and notifications.
How much does a wallet app cost?
Fintech projects depend heavily on the licence route, KYC provider and integrations, so we quote a fixed price after a scoping call.
Do I own the apps and the source code?
Yes. MVP and custom projects include the full source code of every app, the API and the admin panel. White-label projects include a perpetual licence to run the platform under your brand.
Will Joldisoft's name appear anywhere?
No. Every app, the admin panel and the store listings carry only your name, logo and colours, and the apps are published under your own developer accounts.
Ready to launch your fintech business?
Tell us your city and model. We will reply with a fixed quote and a launch plan.