Solutions / Wallet as a Service
Wallets and stores of value, orchestrated.
Create and orchestrate wallets and stores of value across ledger, payment and partner infrastructure, and move money between them and a wide range of billers.
Why it's hard today
The problem.
Value now lives in many places: accounts, wallets, loyalty points, prepaid and digital assets. Customers expect to move it freely, but each store sits on different infrastructure.
- Ledger, rail or biller
- AnyLedger, rail or biller
- Payment model for every store of value
- 1Payment model for every store of value
- Consolidated statements
- On demandConsolidated statements
What's inside
Everything Wallet as a Service connects.
- 01
Wallet creation
Create wallets and stores of value on the ledger of your choice.
- 02
Funding
Top up from accounts, cards and payment rails through one payment model.
- 03
Transfers
Move money between wallets, accounts and beneficiaries.
- 04
Bill payments
Native bill presentment and payment across multiple biller providers.
- 05
Cross-border & digital assets
Connectivity to cross-border and crypto rails through partners.
- 06
Statements
On-demand, consolidated statements across every store of value.
AI-ready by design
Agent-accessible from day one.
The capabilities behind Wallet as a Service are exposed through FutureBank MCP, so customers, employees and developers can use them through AI, under the same controls as every other channel.
- Customer
“Top up my wallet with R500 from my cheque account.”
- Customer
“Pay my electricity bill from my primary account.”
- Employee
“Show this customer's consolidated statement for March.”
Wallet pilot
- Connect a ledger and a funding rail
- Enable transfers and bill payments
Outcome · A working wallet with real money movement
Start this pilotStart small. Prove value. Then scale. Pilots get real banking capabilities working in weeks, not months.
Play · Pilot · Build · RunMore solutions
Explore other ways in.
- 01
Neobank Accelerator
Launch a modern digital bank without assembling the entire stack yourself.
AI-ready by design - 02
Bank Modernization
Modernize without betting the bank on a big-bang migration.
AI-ready by design - 03
FinTech Enablement
Connect once. Expand through an ecosystem.
AI-ready by design - 04
Cards as a Service
Issuing, processing, fraud, controls and experiences through one card model.
AI-ready by design - 05
Fraud as a Service
Bring fraud and decisioning providers into every banking journey.
AI-ready by design
The next connection is yours
Your bank.
The AI economy.
Connected.
Start a conversation about what agentic banking could mean for your bank, beginning with one governed journey.