Customer and use case
Specify the eligible UAE-based or internationally active customer segment and the financial job the product must complete.
Wallet-as-a-Service
Create a wallet experience around the way your customers move money.
Launch branded wallets for customers, merchants, teams or platform participants, with the balances, transfers and controls that make stored value genuinely useful. For a UAE launch, customer eligibility, provider coverage and operational responsibilities are confirmed for the specific use case before implementation.
Wallets for customers, merchants or teams
Balance and transfer experiences in your brand
Connected payments and card spend
Rules that fit your specific model
Wallet movement
Marketplace balance
Available to withdraw
£8,420.60
Incoming sale+ £1,250.00
Receive funds
Money arrives and is visible to the participant.
Move funds
Transfer or payout actions follow your rules.
UAE market context
Define the UAE product model before selecting the implementation.
A regional version should make the customer scope, money flow, provider coverage and operational responsibilities easier to evaluate.
Providers and responsibilities
Confirm which entities provide regulated services and who owns onboarding, controls, exceptions, support and reconciliation.
Focused rollout
Begin with a coherent product, corridor or client segment and expand from measured customer and operational outcomes.
Framnex provides technology infrastructure, not legal advice or regulatory authorisation. Availability depends on the selected product, providers, customers and jurisdictions.
Wallet lifecycle
A balance is only useful when it leads to a clear next action.
A useful wallet product helps participants understand what they can do with money, not merely see a number. That means connecting balances to funding, transfers, payout and spend flows.
Wallet structure, controls and available rails are designed around the participant model and the lifecycle of funds in your product.
01
Fund
Money arrives from a customer, sale or platform event.
02
Hold
The participant sees an available balance in your product.
03
Move
Funds transfer, settle or become available to spend.
04
Pay out
The user withdraws or receives the destination outcome.
Marketplaces
Give sellers or contractors a clear balance, transfer and payout experience around their marketplace activity.
BalancesPayoutsTransfers
Corporate programmes
Create controlled wallet or spend experiences for employees, contractors or departments.
WalletsControlsCards
Member communities
Build an account-like product around a community’s payments, rewards or stored-value model.
WalletsPaymentsCards
Capabilities
Make every balance lead to a clear next action.
Choose the components that solve the immediate customer need, with the option to connect more services as the product grows.
Branded wallet accounts
Create a financial experience for the user groups that matter to your business.
Transfers and movement
Move funds between participants with configurable workflow rules.
Funding and withdrawal
Connect wallet balances to the ways users receive and use funds.
Card-linked spend
Extend available wallet funds into controlled spending experiences where relevant.
Wallet model
Define what the balance represents before designing the interface.
A wallet can describe different financial and technical models. The right structure depends on who owns the balance, where funds sit and which actions participants can take.
Ledger balance
Internal product balance
Represent value and movement inside a controlled platform workflow with clear participant rules.
Account-backed
Named or pooled account allocation
Connect wallet visibility to an account structure selected for the customer and operating model.
Participant wallet
Merchant, contractor or team balance
Give a specific platform role a clear view of pending, available and transferable funds.
Digital asset
Crypto or token balance
Connect an eligible digital asset wallet and its transaction states to the wider product experience.
Wallet structure, safeguarding, custody and available movement depend on the selected regulatory and infrastructure setup.
Fiat and digital asset wallets
Launch a standalone wallet or connect different forms of value in one experience.
A wallet proposition can start with fiat, start with digital assets, or bring both balance types into one customer and operational journey.
Standalone
Launch a focused crypto wallet
Create a branded digital asset wallet with onboarding, balances, transfers and the controls required by the selected model.
Crypto into fiat
Add digital assets to an existing wallet
Extend a fiat or multi-currency wallet with eligible asset balances, conversion, deposit and withdrawal workflows.
Fiat into crypto
Add accounts and payments to a crypto wallet
Give existing crypto customers access to fiat funding, withdrawals, transfers, FX or card-linked spend where supported.
Fiat ledger balances, safeguarded money and custodial digital asset wallets are different infrastructure models. Framnex connects them into a coherent product where the operating setup supports it.
Participant experience
Give each participant an understandable view of their money.
Show each wallet holder incoming funds, an available balance and the controlled action they can take next.
Launch path
Start with a clear first workflow.
A focused launch makes it easier to align commercial owners, operations and product teams before adding more complexity.
- 1Define the wallet participantBe clear whether the wallet belongs to a customer, merchant, team, contractor or another role.
- 2Map the money lifecycleDecide how funds enter, become available, move between parties and reach their final destination.
- 3Set movement rulesConfigure the permissions and controls that apply to each type of balance and transfer.
- 4Add funding or spend pathsExtend the core wallet with payouts, cards or other actions only where customers need them.
Wallet-as-a-Service FAQ
Questions about this solution.
The commercial and operational questions teams most often ask before outlining their first launch.
Who can have a wallet in the product?
Wallets can be designed around the participant types in your model, such as customers, merchants, teams, contractors or recipients.
Can a wallet be connected to a card?
Where the product model supports it, wallet balances can be connected to card spend experiences and the associated controls.
Can we control how money moves between wallets?
Yes. Movement and release rules can be configured around the workflow, participant roles and commercial model you are building.
Can we launch wallets without building every payment feature at once?
Yes. A wallet product can start with the core balance and movement needs, then connect to additional funding, payout or card capabilities over time.
Start with a discovery call
Ready to explore what's possible?
In a 15-minute discovery session, we'll discuss your business model, customer needs and commercial objectives to determine the right foundation for your financial offering.
No technical preparation required
Business-focused discussion
Tailored recommendations
No obligation