Powering the next generation of digital finance.
A complete, configurable mobile wallet platform that enables banks, fintechs, and licensed financial service providers to launch connected digital payment and financial-service ecosystems. Built by the team behind AYA Pay.
An end-to-end digital wallet business — in one platform.
FinnoWallet connects consumers, merchants, agents, billers, banks, payment networks, and service partners through a unified platform — supported by operational portals, APIs, security controls, and real-time transaction management. Configurable for local market requirements, institutional operating models, supported payment rails, and regulatory obligations.
Four operational surfaces, one connected ecosystem.
Consumer Wallet
- Digital onboarding & identity verification
- Wallet registration and account management
- Cash-in and cash-out
- Peer-to-peer money transfers
- Bank-account and card connectivity
- Merchant and QR payments
- Bill payments
- Mobile airtime and data top-ups
- Transaction history, notifications, digital receipts
- Rewards, promotions, vouchers, loyalty
- Value-added financial and lifestyle services
Merchant Ecosystem
- Merchant onboarding and management
- Static and dynamic QR payments
- Online and in-app payment acceptance
- Transaction monitoring and reporting
- Refund and reversal workflows
- Settlement and reconciliation support
- Merchant promotions, offers, loyalty campaigns
- Merchant portal and operational dashboards
- APIs and plugins for partner integration
Agent Network
- Agent onboarding and hierarchy management
- Cash-in and cash-out services
- Assisted registration and servicing
- Domestic money-transfer support
- Bill payment and mobile top-up
- Agent float and liquidity monitoring
- Commission and fee management
- Transaction limits and role-based controls
- Agent portal and performance reporting
Wallet & Payment Operations
- Customer, merchant, agent, partner administration
- Product, fee, commission, and limit configuration
- Transaction monitoring and exception handling
- Settlement and reconciliation workflows
- Dispute, refund, and case management
- Campaign, loyalty, and promotion management
- Biller and service-provider management
- Operational dashboards and reports
- Role-based access and maker-checker controls
- Complete audit trails
Risk, Compliance & Security
Tiered CDD, KYC integration, AML/sanctions, transaction monitoring, configurable risk rules, fraud detection, encryption, real-time alerts, and audit reporting.
Open Integration Layer
Core banking, national QR networks, payment switches, billers, telecoms, KYC/AML providers, remittance partners, e-commerce, and open APIs with sandboxes.
Delivery Models
Institution-branded deployment, configured implementation, cloud/hybrid hosting, API-led integration, and phased ecosystem launch.
Enhance every layer with FinnoLab.AI.
FinnoWallet can be enhanced with FinnoLab.AI capabilities to create more intelligent operations and customer experiences.
- 01Personalized offers and next-best actions
- 02AI-assisted customer service
- 03Customer & merchant behavioral insights
- 04Fraud and anomaly detection
- 05Predictive agent-liquidity monitoring
- 06Intelligent transaction and case routing
- 07Churn and engagement analytics
- 08Operational forecasting and performance insights
Four operator archetypes we build for.
Banks
Launch a bank-backed wallet, extend digital services beyond traditional channels, and connect customers, merchants, and agents.
Fintechs & Licensed Wallet Operators
Accelerate market entry with a complete platform configured around your brand, business model, integrations, and licensing framework.
Payment & Telecom Companies
Build an everyday financial-services ecosystem around payments, top-ups, merchants, agents, rewards, and partner services.
Governments & Inclusion Programs
Support digital disbursement, collections, citizen payments, and agent-assisted access, subject to applicable policy and authorization.
Launch a wallet.
Build an ecosystem.
Whether you are creating a new digital wallet or modernizing an existing platform, FinnoLab.AI can help turn your strategy into a secure, scalable, differentiated digital financial service.