Digital Wallet

Everyday Wallets.
Easier 

A digital wallet platform enables clients to launch prepaid and P2P wallets for payments, transfers and rewards.

Product Overview

Avante powers digital wallets: onboarding, top-ups, P2P transfers, merchant payments and rewards on one platform.

A platform to launch branded prepaid and P2P wallets in weeks. Top up from any channel, pay by QR or in-app, send money instantly and reward every transaction.

  • Wallet LedgerReal-time balances
  • P2P TransfersSend & request
  • Merchant PaymentsQR & in-app
  • Top-Ups & Cash-OutCards, bank & agents
  • Rewards EngineCashback & points
  • Tiered KYCLimits by verification
Another view of the same product
Channels & Experience:4 channels
Wallet Engine:4 modules
Data, Reporting & Integration:8 services
Security & Governance:6 controls
Digital Wallet Integrations:9 connections
Layer 1 · 4 channels

Channels & Experience

  • Wallet AppCustomer experience
  • Merchant App & QRAccept payments
  • Agent NetworkCash-in & cash-out
  • Partner APIsEmbedded wallets
Layer 3 · 8 services

Data, Reporting & Integration

  • Open APIsREST & events
  • Core Ledger SyncReal-time postings
  • Data Lake & AnalyticsUnified data platform
  • DashboardsKPIs & insights
  • Alerts & NotificationsOmni-channel
  • Audit TrailsImmutable logs
  • Regulatory ReportingCentral bank ready
  • Host-to-HostLegacy integration
Layer 2 · 4 modules

Wallet Engine

  • Wallet LedgerReal-time balances
  • P2P TransfersSend & request
  • Merchant PaymentsQR & in-app
  • Top-Ups & Cash-OutCards, bank & agents
Across every layer · 6 controls

Security & Governance

  • Access ControlRole-based & SSO
  • Maker-CheckerDual authorization
  • EncryptionAt rest & in transit
  • Compliance ControlsAML & KYC checks
  • ObservabilityMonitoring & SLAs
  • Flexible DeploymentCloud or on-premise
Integrations · 9 connections

Digital Wallet Integrations

Core Banking Payments Hub Instant Payments Cards Hub Identity Verification & KYC Risk & Compliance Merchant Acquirers Reconciliation Data Warehouse
Another view of the same product

Avante Value Proposition

Choose your institution to see the use cases that matter most to you.

Bank-Branded Mobile Wallet

A wallet for customers and non-customers.

Value for you
  • Reach people without accounts
  • New payment revenue
Up to0

Merchant QR Acceptance

Small merchants accept payments by QR.

Value for you
  • Low-cost acceptance for merchants
  • New merchant relationships
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Remittance Wallets

Receive money from abroad into a wallet.

Value for you
  • Faster access to funds
  • Less cash handling
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Community Wallet for Members

A simple wallet for everyday payments.

Value for you
  • Modern payments for members
  • More engagement with the credit union
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Agent Cash-In & Cash-Out

Deposit and withdraw cash at local agents.

Value for you
  • Service without branches
  • Lower cash handling costs
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Youth & Savings Wallets

Wallets for young members and savers.

Value for you
  • Members won early
  • Savings habits built
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P2P Payments & Split Bills

Send money to friends instantly.

Value for you
  • Viral customer growth
  • Daily app engagement
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Wallet Rewards & Cashback

Rewards on every wallet payment.

Value for you
  • More wallet spend
  • Higher loyalty
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Multi-Currency Wallet

Hold and spend many currencies.

Value for you
  • Travel-friendly customers
  • FX revenue
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Loan Disbursement to Wallet

Pay loans straight into a wallet.

Value for you
  • Instant access to funds
  • Lower disbursal costs
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Repayment Wallet

Borrowers repay from their wallet.

Value for you
  • More repayments on time
  • Automatic reminders
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MFI Group Wallets

Shared wallets for borrower groups.

Value for you
  • Transparent group finances
  • Less cash in the field
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Wallet-as-a-Service

Launch a wallet under your brand.

Value for you
  • Wallet live in weeks
  • Compliance handled by the platform
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Super-App Payments

Payments inside your super app.

Value for you
  • Seamless in-app payments
  • Higher user engagement
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Crypto & Fiat Wallets

One wallet for money and digital assets.

Value for you
  • Unified user balances
  • New trading revenue
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Closed-Loop Store Wallets

A wallet that works in your stores.

Value for you
  • Faster checkout
  • Customer data and loyalty
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Transport & Ticketing Wallets

Pay for travel and tickets in one tap.

Value for you
  • Faster journeys
  • Less cash handling
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Employee Payroll Wallets

Pay staff straight into a wallet.

Value for you
  • Staff paid instantly
  • Lower payroll costs
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Claims Payout Wallet

Pay claims instantly into a wallet.

Value for you
  • Faster claim settlement
  • Lower payout costs
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Premium Payment Wallet

Pay premiums from a wallet.

Value for you
  • Fewer lapsed policies
  • Easy recurring payments
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Health & Wellness Wallet

Health benefits spent through a wallet.

Value for you
  • Cashless care for policyholders
  • Spend limited to approved uses
Up to0

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