More value stays in your ecosystem
Money that lands in a wallet is money that keeps moving between the people in your product, rather than leaving for a bank account after every step.
Wallet-as-a-service
Turn your ecosystem into an economy.
DigiWise puts a digital wallet inside your own app. The people who use it top up, pay, transfer and withdraw without leaving, and you see what is held, what is due and what has settled.
Your customers. Your app. Our wallet infrastructure.
A wallet is not a bank account and it is not a card gateway. It is the layer that holds and moves money between the people in your product.
A wallet screen showing a balance, this month's movement and three actions.
Withdrawal reviewed by a person
Why a wallet
What a wallet gives your business
Stronger customer loyalty
A balance is a reason to come back. Refunds, credits and rewards land where they can be spent again.
New revenue
You decide what a transaction is worth to you, and take your share as it is made.
None of the fintech build
We run the wallet, the gateways, the ledger and the withdrawals. You connect your app.
The opportunity
Money already moves through your business. Most of it leaves.
Every industry is becoming an ecosystem. Customers, partners, suppliers and staff all transact around the same product, and each of those movements currently exits to a bank and comes back as a reconciliation problem.
A wallet keeps that value where it was created, and gives you one place to see it.
What your customers get
One clean wallet, inside your app.
A wallet does four things. Everything your customers do is one of the four, which is what makes it quick to learn and quick to support.
Their balance, and what to do next
The balance, this month's movement and three actions. Nothing else competes for attention.
A wallet home screen showing the balance, this month's movement and three actions above a list of recent movements.
Top Up
Money is loaded from a card on the payment provider's own secure page. Card details never reach us, and the balance moves only once the provider confirms the payment.
A Top Up screen with an amount entered, the Service Fee and the Total Amount shown below it.
Payment
Your app asks for a payment. Your customer approves it in the wallet, and the amount can be divided between the parties as it is made.
A payment confirmation screen showing who is being paid, the reference and the Total Amount, with a confirm button.
Transfer
Wallet to wallet, with a reference. Transfers are instant, and they cannot be reversed, so the wallet says so before anyone confirms one.
A Transfer screen asking for the wallet ID to send money to.
Withdraw
To a bank account, or as cash at an ATM with a PIN sent by SMS. Withdrawals are manually reviewed and typically processed within 1 to 3 business days.
A Withdraw screen with an amount entered and a choice between a bank account and an ATM cash voucher.
What makes it different
A wallet is not a bank account, and not a card gateway.
Those are the two things it gets mistaken for, and the difference between them is what decides whether a wallet is worth having in your product.
Not a bank account
Your customers hold a balance inside your product, reached from your own app. A wallet holds one currency, and runs today in ZAR, GBP, EUR or AED.
Not a card gateway
A gateway moves money past you and on to a bank. A wallet holds it where it lands, so one payment can be divided between the parties as it is made, and the parts add up to the amount paid.
A closed loop, with a way out
Money keeps moving between the people in your product rather than leaving after every step. When someone wants it out they withdraw, to a bank account or as cash at an ATM with a PIN sent by SMS. A person checks every withdrawal.
Your ledger, not your problem
Every amount is recorded twice. If the two sides disagree, the difference is raised rather than absorbed, and every movement can be exported for any period.
What you see
Know what is yours, held and due.
- Four balances, not one. Actual Balance is everything collected. Available Balance is what you can use now. Pending Credits are on the way in, and Pending Payments are already promised to someone else.
- Every amount you owe is listed. What it is for, who it goes to, and when it settles. You release them one at a time.
- Exportable. Every movement, for any period, into a spreadsheet.
A merchant dashboard showing four balances and a list of recent wallet movements.
Opened from your own system. Your team never signs in anywhere else.
Your systems
It sits inside what you already use.
Three ways to connect it. Start with the simplest and move along later.
{
"debitWalletID": "PW_example123456",
"amount": 200.00,
"description": "Order 4471",
"splits": [
{ "walletID": "MW_example123456", "amount": 160.00 },
{ "walletID": "HW_example123456", "amount": 40.00 }
]
}
// the wallet asks the customer to approve it
{
"status": "authentication-required",
"authentication": { "status": "pending" }
}Your customer confirms the payment in their wallet. The split is applied as the payment is made, and the parts must add up to the amount paid.
01
Open it from your own system
Your users sign in where they already sign in, and the wallet opens inside it.
02
Let your system ask for a payment
Your app requests it, the person approves it, the money moves.
03
Take the records out
Every movement, for any period, straight into a spreadsheet.
Who it is for
Where a wallet pays for itself.
Any business with a base of people who need to hold, move or be paid money.
01
Talk about this
Retail, hospitality and loyalty
Keep refunds and credits inside the business instead of sending them back to a card. Turn a loyalty balance into something a customer can actually spend.
Retail and loyalty · Hospitality and hotels · Rewards and partners · Travel and airlines · Refunds and store credit
02
Talk about this
Platforms and marketplaces
Take one payment and divide it between seller, platform and partner as it is made, rather than reconciling it afterwards.
Marketplaces · Franchise and business-to-business networks · Property
03
Talk about this
Workforce and gig
Pay people into a wallet they already have, then let them move it to a bank account or draw it as cash at an ATM.
Workforce and human resources · Logistics and gig platforms
04
Talk about this
Education, charities and events
Collect once, hold what is promised to each party, and release it when it is due.
Education · Charities and events
Protection
How the money is protected.
Card details never reach us
When a card is used to load money, the number is entered on the payment provider's own secure page. It does not pass through our system and we do not hold it.
Every amount is recorded twice
Each movement is written on both sides and checked against itself. If the two sides ever disagree, the difference is raised rather than absorbed.
A person checks every withdrawal
Money does not leave automatically. A withdrawal is reviewed and evidenced by a named person before it is released.
Two-factor for every wallet holder
On signing in, and again before a transfer. Tokens and sensitive data are encrypted with AES-256-GCM.
What is live today
Running in production.
- Live in South Africa, inside connected applications on web and mobile
- Personal, business and merchant wallets
- Card top-ups through established payment gateways
- Withdrawals to a bank account or ATM cash voucher
- Wallets in ZAR, GBP, EUR and AED
- Every movement recorded twice and checked
Let's move value further.
Your customers hold money with you. You see every unit held, due and paid.