Multi-Currency Wallet & Account Platform
Shivacha Digital Wallet: Stored-value wallets with top-ups, P2P, payments and rewards.
USD
1,240.00
USDC
860.50
EUR
310.20
Typical implementation
3–4 weeks
White-label implementation
Customization
Highly customizable
Brand, workflows and integrations
- White-label
- Ready to launch
- Production-ready
- Customizable
- API-ready
Timelines refer to software implementation and deployment scope for a defined configuration. Third-party integrations, regulatory approvals, banking and card-issuer onboarding, custody and liquidity agreements, security audits and other external dependencies may require additional time.
Overview
A digital wallet platform for super-apps, platforms and brands: stored value via e-money partners, top-ups, P2P transfers, merchant payments, rewards and tiered limits.
The problem
Platforms want wallets to increase engagement and reduce payment costs, but building ledgers, top-up rails, compliance limits and support tools is a major undertaking.
The solution
Shivacha Digital Wallet provides a ready wallet core and apps that integrate with licensed e-money partners, supporting top-ups, P2P, merchant QR payments, cashback and withdrawals with verification-tiered limits.
Feature modules
What's inside
Wallet ledger
Real-time balances, holds and history.
Top-up & withdrawal
Cards, bank transfers and local methods.
P2P transfers
Contacts, requests and instant transfers.
Merchant payments
QR and in-app merchant payments.
Rewards
Cashback, points and promotions.
Limits & compliance
Tiered limits, screening and case review.
Product preview
Designed for operators and end users.
- Multi-currency wallets
- Instant P2P
- QR merchant payments
- Cashback and rewards
- Tiered KYC limits
- Partner e-money integration
- Admin and support console
- Extensible to stablecoins
- WalletSigns transaction
- Smart contractVault.deposit()
- BlockchainIncluded in block
- IndexerEvent → Postgres
- APIGraphQL · webhooks
- ApplicationBalance updated
#…4812
12 conf.
#…4813
11 conf.
#…4814
10 conf.
#…4815
pending
Decoded events
- Deposit(0x8f2…a91, 500)confirmed
- Transfer(0x1c7…4de → 0x9b0…77f)confirmed
- RoleGranted(PAUSER, multisig)timelock
RPC failover · 3 providers · reorg-safe indexing
Architecture
Built to integrate and extend.
Modular services behind stable APIs, deployed into your environment.
Specifications
Deployment, security and integration
Integrations
- E-money institutions
- Card acquirers
- Bank transfer rails
- KYC providers
- Messaging providers
Security
- Double-entry ledger with immutable journal
- Maker-checker controls for sensitive operations
- Encryption, tokenisation and secrets management
- Strong customer authentication and device binding
- Comprehensive audit trails
- Architecture aligned with PCI DSS where card data is involved
Deployment
- Your cloud account in your chosen region
- Dedicated single-tenant deployment
- Private cloud / on-premises Kubernetes
- Managed deployment with operational support
Customisation
- White-label mobile and web apps
- Product, fee and limit configuration
- Partner and provider adapters
- Custom workflows and back-office tools
- Reporting and data exports
Use cases
Who launches with it
- Super-app walletStored value across services.
- Gig platform earningsInstant access to earnings.
- Campus or closed-loop walletPayments within a community.
- Loyalty walletRewards and stored value together.
See it in action
Request a tailored demo for your use case.
Demos are tailored to your markets, partners and integration requirements.
Custom engineering
Extend it with our services
Embedded Wallets
Stored-value and multi-asset wallets embedded in your app — top-ups, P2P transfers, rewards and optional digital assets.
Learn moreMobile Payments Development
Mobile payment experiences: in-app payments, digital wallet integration, P2P transfers and mobile money connectivity.
Learn moreQR Payment Platform
QR code payment platforms for merchants and wallets — static and dynamic QR, interoperable standards and instant settlement.
Learn moreRelated products
Works well with
Shivacha Hybrid Wallet
One wallet for local currency, dollars, stablecoins and tokens.
Learn moreShivacha Crypto Wallet
Custodial or MPC wallets for fintech products and exchanges.
Learn moreShivacha Neobank
Launch a mobile-first neobank on a platform built to scale.
Learn moreLearn more
Related thinking
Ledger-first architecture for a partner-bank neobank
How we structure a neobank so that balances always reconcile with the sponsor bank and partners can be added or replaced.
Learn moreStablecoin settlement layer for a card-accepting payment platform
A hybrid design that lets merchants accept cards as usual while optionally settling in stablecoins.
Learn moreYour ledger is your product: designing money movement that always reconciles
Fintech products are judged on experience but survive on correctness. A double-entry ledger at the core is what makes balances provable.
Learn moreFAQ
Frequently asked questions
Do we need an e-money licence?
Stored value is regulated in many jurisdictions; the wallet is designed to operate with licensed e-money partners. Seek legal advice for your markets.
Can the wallet hold stablecoins?
Yes, via the Shivacha Hybrid Wallet extension and custody partners.
Is it white-label?
Yes — apps and admin are brandable.
Request a product demo.
See how Shivacha Digital Wallet fits your business, and how we would customise and deploy it.