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Multilingual
EN, AR, FR & PT — with native RTL for Arabic markets
Modular
Adopt gateway, switch, wallet, or the full stack
Governed
Maker-checker on rules, batches, and overrides
Integrated
MPGS · regional PSPs · schemes you already use

Platform/Wallet

05 · Wallet

Multipocket
by design.

A flexible digital wallet where users manage multiple pockets — each with its own type and units — to support cash, cards, points, savings, tickets, and any user-defined pocket the operator allows.

Outcomes

Product velocity

Launch savings, points, or cash pockets without new cores.

Transparent conversions

Cross-type rules with operator audit and customer disclosure.

Unified customer view

Balances and movements across pockets in one profile.

How it works

01
Define types

Operator configures pocket types and allowed units.

02
Create pockets

Customers open pockets with labels and goals.

03
Fund & move

Top-ups, transfers, and conversions per rules.

04
Pay out

Withdrawals and merchant payouts with fees disclosed.

05
Report

Statements and tax-friendly exports as you configure.

Security & operations

  • Strong customer authentication hooks for high-risk moves
  • Ledger-grade movement records between pockets
  • Operator overrides with maker-checker

Product preview

Customer wallet
Pockets
Cash
EGP
12,840.50
Savings
EGP
4,250.00
Points
Loyalty
8,420 pts
Tickets
TRIP
3 active
Rule hit · Points → Cash · 100 pts = 1.00 EGP
9:41
WALLET
Layla Haddad
LH
4 POCKETS · 2 UNIT TYPES
AGGREGATE · EGP
17,090.50LIVE
POCKETS
01 / 04
EGPCash
12,840.50
EGPSavings
4,250.00
LoyaltyPoints
8,420 pts
TRIPTickets
3 active
ACTIONS
Withdraw
Cash / bank
Marketplace
Settle
Payout
Merchants
RECENT
Carrefour Maadi
Cash pocket · POS
-420.00
Wallet → wallet
Layla → Omar · P2P
-200.00
Marketplace settle
Order #M-8831 · net in
+1,240.00
Merchant payout
Batch P-204 · 12 sellers
-5,000.00

Integrations

SchemesQR railsCore APIs

Integration snippet

Example request shape for sales and solution engineering — replace endpoints and credentials with your environment.

curl -sS https://api.flagship.example/v1/wallets/wlt_9a2/balance \
  -H "Authorization: Bearer $FLAGSHIP_TOKEN"

Where this product sits

Four layers — from people-facing surfaces down to durable records.

PeoplePortals, pay-pages, operator consoles
PlatformPockets, transfers, programme rules
PartnersSchemes, acquirers, regional PSPs
RecordsLedger, reconciliation, exports

Compliance & attestations

  • Wallet balances and pockets are ledger-backed with immutable audit entries.
  • Strong Customer Authentication flows follow scheme and local regulator guidance.
  • Key custody for wallet signing follows policies agreed in the enterprise DPA.

FAQ

Can two pockets share the same type?

Yes. Multiple pockets of the same type are supported with distinct labels.

How are FX or points handled?

Cross-type conversions use operator-defined rules and disclosure templates.

Is the wallet white-label?

Yes. UX patterns are designed to sit behind your brand.

Next step

Map Digital Wallet to your stack in a working session — no slide-only promises.