01
Consumer Payment Wallets
Bank and fintech wallets with card, P2P, and QR flows.
Financial Services / Digital Wallet Development
Digital Wallet Development
We build digital wallets that feel effortless to use and meet the compliance bar of the institutions behind them — tokenized cards, P2P transfers, multi-currency, loyalty, and optional crypto, all on one foundation.
<2s
Checkout-to-confirmation flow
PCI / PSD2
Reference architecture baseline
White-Label
Brand, theme, and deploy in weeks
Trusted by global innovators
Industry Overview
Digital Wallet Development: Engineered End-to-End
Digital wallets are the surface where trust is earned — or lost — in seconds. Building one well means getting the fundamentals right: tokenization, secure elements, biometric auth, reconciliation, and dispute flows. We engineer wallets where all of those just work.
Industry Challenges
What Stops Most Teams From Solving This Today
Common friction points we hear from financial services teams scoping this kind of platform.
Tokenization Complexity: Integrating with card networks, issuer processors, and device secure elements is where most wallet projects slip schedule.
UX Consistency Across Rails: P2P, card, QR, and NFC each carry their own state-machines and failure modes.
Loyalty & Offers Integration: Bolt-on loyalty and offer engines fragment the wallet experience.
Fraud & Dispute Pressure: Wallets concentrate fraud and dispute exposure — and must be architected for both from day one.
Our Approach
Our Engineering Approach
We engineer for the operational reality — not the demo.
Tokenization-First Architecture
Card-network tokens, device secure-element storage, and PCI-minimized data flows by default.
Unified Rail Experience
One consistent UX across card, P2P, QR, NFC, and stablecoin rails.
Fraud-Aware Flows
Risk and dispute handling engineered into every payment and transfer pattern.
Capabilities
Capabilities
Production-grade features the platform ships with from day one.
Card Tokenization
Network tokens via Visa TSP, Mastercard MDES, and issuer-processor flows.
P2P Transfers
Real-time P2P transfers with messaging, requests, and split flows.
QR & NFC Payments
In-store QR and tap-to-pay with Secure Enclave and device attestation.
Multi-Currency & FX
Multi-currency balances with real-time FX quotes and best-rate execution.
Loyalty & Offers
Built-in loyalty, cashback, and personalized offers.
Disputes & Chargebacks
Guided dispute intake with evidence capture and issuer integration.
Crypto / Stablecoin (Optional)
Optional crypto and stablecoin support with custody and compliance controls.
Compliance & KYC
KYC, AML, sanctions, and transaction monitoring baked in.
How It Works
Reference Architecture
How data and decisions flow end-to-end.
Wallet Core
Account, balance, and ledger foundation with double-entry consistency.
01
1
Rails & Tokenization
Card networks, P2P rails, QR/NFC, and optional crypto rails.
02
2
Compliance Controls
KYC, AML, sanctions, transaction monitoring, and dispute workflows.
03
3
Wallet Experience
Mobile and web wallet UX with loyalty, offers, and notifications.
04
4
Integration Layer
Issuer-processor, card network, FX, and merchant integrations behind one contract.
05
5
Engineering Stack
Technology Stack
A pragmatic stack chosen for reliability, speed, and ease of operation.
Mobile
React NativeSwiftKotlinSecure EnclaveKeystore
Backend
GoRustNode.jsPostgreSQLKafka
Rails
Visa TSPMastercard MDESACHRTPSEPA
Issuer / BaaS
MarqetaGalileoStripe IssuingLithic
Compliance
AlloyPersonaComplyAdvantageChainalysis
Infra
KubernetesHSMVaultPCI DSS
Measured Impact
Measured Impact
Quantified outcomes from production deployments.
<2s
Checkout to confirmation
99.99%
Wallet uptime SLO
70%
Faster launch vs. in-house rebuild
0
Material PCI findings
Regional Retailer White-Label Wallet Launch
A major regional retailer wanted to launch a branded digital wallet — stored value, card payments, loyalty, and bill-pay — without building an issuer stack from scratch. We delivered a white-labeled wallet in six months on a Marqeta + Stripe foundation, with tokenization on the device secure element.
Year one: 2.4M wallets activated, 32% of eligible checkout volume shifted onto the wallet, loyalty-redemption rates doubled, and the retailer captured 180bps of payment cost savings on every wallet transaction thanks to direct debit and closed-loop flows.
Case Study
Use Cases
Where This Earns Its Keep
Common deployment patterns we see across customers.
02
Retailer Wallets
Branded closed-loop wallets with loyalty and offer integration.
03
Multi-Currency / Travel Wallets
Travel and remittance wallets with FX and cross-border flows.
04
Crypto & Stablecoin Wallets
Compliance-first crypto wallets with custody and on/off ramps.
05
Super-App Wallets
Embedded wallet inside super-apps with multiple financial modules.
06
Enterprise / B2B Wallets
Payroll, expense, and marketplace payout wallets.
Integrations
Integrates With Your Existing Stack
We connect to the systems your teams already know.
Card Issuing
MarqetaGalileoStripe Issuing
Networks
VisaMastercard
Banking
Plaid
Custody
Fireblocks
Identity / KYC
Persona
Compliance-First Development Services Backed by Global Standards
We build secure, scalable products designed for privacy, interoperability, and regulatory readiness from day one across every sector we serve.
General Data Protection Regulation
Implement lawful consent flows, data minimization, and secure processing for global data privacy.
Service Organization Control 2
Verified controls for security, availability, and confidentiality of enterprise data systems.
Information Security Management
Adhering to the international gold standard for managing information security risks.
Payment Card Industry (PCI DSS)
Securing payment transactions and protecting cardholder data with industry-best practices.
Our Edge
Why Global Leaders Choose Us
We combine deep technical expertise with industry-specific knowledge to deliver solutions that aren't just functional, but transformational.
Enterprise-Grade Security
We implement rigorous security protocols and compliance standards (HIPAA, GDPR, SOC2) across all industrial solutions to protect sensitive data.
High-Performance Scaling
Our architectures are built to handle massive data loads and user bases, ensuring seamless performance whether you're serving ten or ten million.
Accelerated Time-to-Market
Leveraging our suite of internal tools and proven frameworks, we reduce development cycles and get your product to market 40% faster.
Embedded AI Integration
Beyond simple wrappers, we build deep-learning integrations and predictive analytics directly into the core of your industry-specific workflows.
Engagement Model
Engagement Model
Predictable, structured delivery from kickoff through long-term ownership.
01
Discovery & Scoping
We map the existing systems, constraints, and stakeholders to scope a focused 8–12 week first delivery.
02
Architecture & Pilot
A working slice on a representative environment — proving the data flow end-to-end before scaling.
03
Production Engineering
Hardened services, observability, access controls, and audit logging go live behind your IAM.
04
Operate & Iterate
We stay on as the embedded engineering team — closing tickets, tuning models, and shipping new value.
Voices of Success
We don't just build products; we forge lasting partnerships. See how we've helped industry leaders transform their vision into technical reality.
"I can clearly see how Agnotic has a unique way of handling end-to-end development. They are always active on quick chat and provide support quickly."
Aaron Phelan
Founder, Benchmark
"Agnotic is the best technical team we evaluated. Their engineering excellence made our work dramatically easier and allowed us to stay focused on what matters most for maternal care outcomes. They took full ownership of the technical execution, and we are always happy to continue working together."
Kim Smith
Founder, My Lauren
"Agnotic combines deep technical expertise with strong domain knowledge. They understand the business context, anticipate challenges, and make collaboration smooth and effective."
John Pasmore
Founder, Latimer
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More Financial Services Solutions
Explore other production-grade engineering platforms we deliver across financial services.
Cross-Industry Reach
The Same Engineering Patterns, Across Other Industries
The technical patterns behind this platform translate naturally into adjacent verticals.
Frequently Asked Questions
Not necessarily. Our reference architecture minimizes your PCI scope through tokenization and PCI-scoped SDKs — many of our customers operate at a lower PCI attestation level as a result.
Industries
A Unified Vision that Caters to Diverse Industry Demands
Build your next financial services platform with us
We engineer production-grade financial services platforms end-to-end. Talk to us about scoping a focused 8-week pilot.