A wallet your customers actually open every day.
Stored value, P2P transfers, bill payments, merchant payments, top-ups, a full wallet experience on a real general ledger, with the audit trails, compliance controls and regulatory reporting of a bank-grade core. Not a payment tool that happens to store value. A financial relationship built on money that moves in real time.
Daily-use money on bank-grade rails.
Digital wallets are the primary banking interface for millions of customers across emerging markets. In Nigeria, mobile money and wallet adoption has grown faster than traditional banking infrastructure. In the Philippines, GCash and Maya have shown that a mobile-first wallet can become a full financial platform. In Indonesia, digital payment value is projected to reach $1.3 trillion by 2030.
For institutions building wallet products, the infrastructure question is fundamental: is the wallet built on a real banking core with a real ledger, real regulatory reporting and real compliance controls, or on a payments layer that approximates banking without the governance regulated institutions require?
Oradian's digital wallet module is built on the same core as every other product on the platform. Balances are on the real general ledger, auditable and reconcilable. Transactions post in real time. KYC tiers are enforced automatically. The wallet is a financial relationship on a bank-grade platform.
A full wallet experience, on a real core.
Stored value on a real ledger
Customer balances on the general ledger, not in a shadow account or a separate payments database. Every deposit, transfer, payment and withdrawal posts in real time. The architecture that makes e-money and stored-value regulation achievable without bespoke reconciliation.
P2P and bill payments in real time
Move money between wallet holders, merchants and billers with instant settlement and immediate balance updates. No T+1, no pending status. The same competitive baseline as InstaPay in the Philippines and NIP in Nigeria.
Mobile-first user experience
Oradian provides the back-end; your team builds the front-end natively for your market and brand through the open API layer. Lightweight, low-data flows that work on the devices and connectivity your customers actually have.
KYC-tiered limits, automatically enforced
Tier-based transaction and balance limits enforced automatically by the platform. When a customer upgrades their KYC tier, their limits update. When the regulator changes the rules, the configuration changes.
Multi-rail top-ups
Cards, bank transfers, agent cash-in and partner top-up points, all through the same open API layer. Every agent becomes a wallet top-up point, expanding distribution beyond formal banking channels.
Instant settlement for every transaction
Wallet movements settle in real time, to merchants, billers and P2P recipients. A material competitive advantage in merchant and biller acquisition.
Where AI earns its place.
Transaction anomaly detection
AI models that analyse transaction patterns and flag anomalies in real time, running against the live wallet transaction stream, reduce account takeover, social engineering and unauthorised transfer losses.
Personalised financial nudges
Timely, relevant nudges, a savings suggestion when a salary arrives, a bill reminder before a due date, drive engagement at a level generic broadcast communications can't match.
Credit eligibility from wallet behaviour
Wallet deposit patterns, transaction frequency and payment consistency are a rich credit signal for customers with no formal credit history. The wallet becomes the on-ramp to a broader financial relationship.
Run a wallet your customers actually use.
Wallet, payments, top-ups and notifications on a real banking core, not a spreadsheet pretending to be one.
Talk to our wallet team