# Wallets and stores of value, orchestrated.

Canonical: https://getfuturebank.com/solutions/wallet-as-a-service
Last updated: 2026-10-06

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.

## 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.

- **Any**: Ledger, rail or biller
- **1**: Payment model for every store of value
- **On demand**: Consolidated statements

## Everything Wallet as a Service connects.

- **Wallet creation**: Create wallets and stores of value on the ledger of your choice.
- **Funding**: Top up from accounts, cards and payment rails through one payment model.
- **Transfers**: Move money between wallets, accounts and beneficiaries.
- **Bill payments**: Native bill presentment and payment across multiple biller providers.
- **Cross-border & digital assets**: Connectivity to cross-border and crypto rails through partners.
- **Statements**: On-demand, consolidated statements across every store of value.

Canonical capabilities used: Accounts & Wallets, Payments, Beneficiaries & Billers, Statements & Data.

## 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 pilot](https://getfuturebank.com/contact?topic=wallet-as-a-service)

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