Wallets, P2P transfers and QR paymentsSOC 2 Type II
eWallet App Development Company for Secure Digital Payments
SDLC Corp is an eWallet app development company that builds secure digital wallets for web, iOS and Android. We design top-ups, P2P transfers, QR payments and KYC onboarding on a ledger you can audit. Security and compliance needs are planned from day one.
- SOC 2 Type II
- ISO 27001 Certified
- ISO 9001 Certified
- CMMI Level 3
Illustrative UI with sample data
- Projects delivered
- 3,400+
- Global engineers
- 1,200+
- Countries served
- 30+
- Years of delivery
- 10+
Trusted by teams at
Why a custom wallet
An eWallet App Development Company Built Around the Money Flow
A wallet app looks simple on the screen. Behind it, every top-up, transfer and refund must move the right amount, once, to the right account. Users also expect fast sign-up, instant alerts and clear history. When the ledger, the KYC checks and the payment partners do not fit together, support tickets and failed payments pile up.
As an eWallet app development company, we map the money flow first. Then we build one product that links onboarding, the wallet ledger, payment partners and the admin console. Designers, engineers, QA and a project lead work in the same sprints, so you get one plan and one point of contact. Need a wider finance platform? See our fintech software development page.
- User, merchant and admin apps for web, iOS and Android
- A double-entry ledger, so every balance can be traced
- KYC, fraud rules and audit logs designed in from the start
Services
Digital Wallet Development Services From Our eWallet App Development Company
Start with one feature, such as P2P transfers or QR payments. Or let our eWallet app development company build the full product, from first sketch to launch and support.
Custom eWallet Apps
Closed-loop, semi-closed and open wallets built around your users, your fees and your rules. We shape each screen around real payment habits.
Mobile app developmentP2P Transfers and Requests
Send, request and split money between users by phone, email or username. Each transfer posts to the ledger with a clear status.
QR and Tap-to-Pay Payments
Static and dynamic QR codes for stores and people, plus NFC tap where your payment partner supports it.
KYC Onboarding and Identity
Document and selfie checks, sanctions screening and tiered limits through a KYC provider you choose. As a result, good users get in fast.
Bank, Card and Top-Up Links
Link bank accounts and cards, run top-ups and payouts, and connect to your processor or banking partner through their APIs.
Banking softwareMerchant Wallets and Payouts
Merchant sign-up, QR checkout, refunds, settlement reports and payouts for stores, drivers or sellers on your platform.
Fraud Rules and AI Risk Scoring
Velocity limits, device checks and risk scores that flag odd activity. Then your team reviews the cases that need a human call.
AI in fintechCrypto and Multi-Currency Wallets
Hold many currencies, show live rates and support cross-border transfers. For token wallets, we also build custodial and self-custody options.
Crypto wallet development
Technology
The Wallet Stack We Build With
The right tools decide how well a wallet scales and stays safe. Pick an area to see how our eWallet app development company uses it. When cards are in scope, we design to align with the PCI Data Security Standard, where applicable.
Ledger and back end
Double-entry ledger, Node.js, Java, Go, PostgreSQL, Kafka
- Where it fits
- Any wallet that must hold balances, move funds and pass a reconciliation check.
- How we build it
- We give every transfer an idempotency key and post it as balanced debit and credit entries. That way, a retry never moves money twice.
Payments and banking
Stripe, Adyen, Braintree, PayPal, ACH, SEPA, UPI, open banking APIs
- Where it fits
- Top-ups, card links, bank payouts and merchant settlement.
- How we build it
- We pick partners that fit your region and fees. We also test failed, slow and reversed payments in each sandbox before launch.
Identity and KYC
Document and selfie checks, sanctions screening, AML monitoring rules
- Where it fits
- Sign-up, tiered limits and checks that your compliance team needs.
- How we build it
- We plug in a KYC provider you approve and store only what you must keep. Next, we log each decision so reviews are easy.
Security
TLS, AES-256 at rest, cloud KMS, tokenization, device binding, biometrics
- Where it fits
- Every app that stores money data or card details.
- How we build it
- We design access rules, encryption and logging before the first screen. Where card data is in scope, we also align the build with PCI DSS.
Web and mobile apps
Swift, Kotlin, Flutter, React Native, React, Next.js
- Where it fits
- User apps, merchant apps and admin consoles that share one back end.
- How we build it
- We share logic and design across web and mobile. As a result, new features reach every platform at the same time.
Cloud and DevOps
AWS, Azure, Google Cloud, Docker, Kubernetes, Terraform
- Where it fits
- Wallets that must scale, stay up and keep data in the right region.
- How we build it
- We use infrastructure as code, automated backups and separate environments. Then we monitor errors and payment latency around the clock.
Testing and audits
Playwright, Appium, load tests, OWASP MASVS checks, pen tests
- Where it fits
- Teams that want to release often without breaking payment flows.
- How we build it
- We test sign-up, top-up, transfer and refund flows end to end. We also run security tests on the mobile apps and the APIs.
Our wallet toolkit
Ledger and data
- PostgreSQL
- Kafka
- Redis
- double-entry ledger
- event sourcing
Payments
- Stripe
- Adyen
- Braintree
- PayPal
- ACH
- SEPA
- UPI
Apps
- Swift
- Kotlin
- Flutter
- React Native
- React
- Next.js
Back end
- Node.js
- NestJS
- Java
- Spring Boot
- Go
- Python
Identity and risk
- KYC providers
- sanctions lists
- device checks
- risk rules
Cloud and QA
- AWS
- Azure
- Google Cloud
- Kubernetes
- Playwright
- Appium
Planning a broader app for phones? See our mobile app development services.
Why SDLC Corp
Why Choose Us as Your eWallet App Development Company
Many teams can design a nice balance screen. Fewer can make the money move correctly, from sign-up to the ledger to the payout. That is the part we focus on.
Ledger first
We design the ledger, fees and limits before we code screens. So every balance has a full trail behind it.
Secure delivery
We work under SOC 2 Type II, ISO 27001, ISO 9001 and CMMI Level 3 processes. Money data and code stay protected.
Partner risk found early
We test processor, bank and KYC links in the first sprints. That way, surprises show up early, not at launch.
Compliance-aware build
We work with your compliance team on KYC, AML rules and data needs. Card flows align with PCI DSS where applicable.
You own everything
The source code, design files and cloud accounts stay in your name. Even after the project ends, nothing is locked.
Support after launch
We watch uptime, payment errors and fraud alerts, patch packages and ship new features. Then we fix issues before users notice.
Does your wallet still need manual fixes after failed transfers?
Share your current flow or a demo. In one call, a fintech lead will review it and suggest the next steps.
Process
How Our eWallet App Development Company Works
Every project follows the same six steps. As a result, you always know what we are building, what comes next and why.
- 01
Discovery and money mapping
First, we define users, wallet type, fees and limits. The plan also lists every partner that must send or receive data.
- 02
Compliance planning
Next, we plan KYC, AML, consent and data needs with your compliance team and licensed partners.
- 03
UX and prototype
We design user, merchant and admin flows in Figma. You can test a clickable prototype before we code.
- 04
Build in sprints
We build in two-week sprints. After each one, you get a working build and a short demo.
- 05
Integrate and test
We connect processors, banks and KYC tools, then run security, load and reconciliation tests.
- 06
Pilot, launch and grow
We start with a small user group, fix what we learn, then scale to more users and regions.
Engagement
Ways to Work With Our Wallet Team
Pick the model that fits your stage. Our eWallet app development company also lets you switch later, for example from a fixed MVP to a dedicated team.
Fixed-scope project
Good fit for: New wallet MVPs and single features with a clear scope
We agree on scope, milestones and price before work starts. Then we deliver in phases you can test.
MVP development- Most chosen
Dedicated fintech team
Good fit for: Wallet products with a long roadmap
A full team of designers, engineers, QA and a project lead works only on your product.
Dedicated team model Hire developers
Good fit for: In-house teams that need more capacity
Add mobile, back-end or payments developers to your own team. They join your standups, tools and code review.
Hire developers
Proof
Fintech and Wallet Projects We Have Delivered
These projects show how our eWallet app development company works on payments, onboarding and wallet access. Each card links to the full case study.
- Fintech / BNPL
Zilch Buy Now Pay Later App
UX research, UI design, Android and iOS apps, payment integration and streamlined KYC for a UK fintech. The case study reports a 35% rise in conversion rate.
Read the case study - Fintech / investing
CrowdInvest Cross-Border Platform
A crowd-investing and fundraising web platform with compliance-ready investor onboarding, a structured deal room, admin controls and audit-ready logs.
Read the case study - Web3
Artyfact NFT Marketplace
A game marketplace with wallet-first access, a normal login option, wallet connect and on-chain contract details shown to users.
Read the case study
Client feedback
What Our Clients Say
Client feedback from crypto, insurance and mobile app projects, including verified reviews published on Clutch. They show how our eWallet app development company works with product owners.
- Client story
SDLC CORP built a mobile application that met our strategic requirements with strong technical execution. The solution performs reliably and has become an important operational asset.
Abhinav PurohitChief Strategy, Huawei
Featured on sdlccorp.com
- 5.0 on Clutch
Their ability to complete the various stages of the project at specified timeframes has impressed us very much.
Sharad JainCofounder, Kahuna
Verified review on ClutchWeb & Mobile Dev for Cryptocurrency Platform
- 5.0 on Clutch
They delivered what they promised, and it is something that is missing nowadays.
Stacey SmithSr. Business Administrator, Insurance Company
Verified review on ClutchMobile App Dev for Insurance Company
Who we build for
eWallet Solutions for Every Payment Use Case
Each market has its own users, limits and partners. These are the areas where our eWallet app development company works most often.
Fintech startups and neobanks
Wallet MVPs that launch with a licensed partner and scale as users grow.
Banks and credit unions
Branded wallets, P2P payments and QR pay on top of your core banking system.
Retail and e-commerce
Closed-loop store wallets, gift balances, cashback and loyalty points.
Telecom and mobile money
Airtime top-ups, bill pay and agent cash-in and cash-out flows.
Transport and mobility
Fare wallets, parking, tolls and ride payments in one balance.
Gig and marketplace platforms
Seller and driver wallets with fast payouts, fees and earnings reports.
Remittance and cross-border
Multi-currency balances, rate quotes and transfers between countries.
Campuses and closed communities
Student, staff and member wallets for canteens, events and stores.
Buying guide
Choosing an eWallet App Development Company: Cost and Key Questions
No two wallets cost the same, so a fair quote starts with scope. These six factors shape the budget and the timeline. For a wider view, read our guide to the cost of developing a fintech app.
- 1
Wallet type and license model
First, a closed-loop wallet needs far less than an open wallet that runs with a bank or e-money partner.
- 2
Core features
P2P transfers, QR pay, bill pay, cards and multi-currency each add screens, rules and tests.
- 3
Integrations
Each link to a processor, bank, KYC provider or core system adds build and test work.
- 4
Compliance scope
KYC, AML, data rules and PCI DSS, where applicable, shape hosting, logging and testing needs.
- 5
Ledger and scale
Expected users, payment volume, payouts and reconciliation set the back-end design.
- 6
Platforms and support
Finally, web, iOS and Android apps, plus support after launch, form ongoing budget lines.
FAQs
eWallet App Development FAQs
Clear answers to what founders, product heads and bank teams ask our eWallet app development company about cost, timelines and compliance.
Ask Your Own QuestionWhat does an eWallet app development company do?
An eWallet app development company plans, designs, builds, tests and supports digital wallet apps. At SDLC Corp, that covers user and merchant apps, the wallet ledger, KYC onboarding, P2P transfers, QR payments, bank and card links and the admin console. You work with one team from idea to launch.
What is the difference between closed, semi-closed and open wallets?
A closed-loop wallet works only inside one business, such as a store or campus. A semi-closed wallet lets users pay a set of partner merchants. An open wallet can also send money to banks or withdraw cash, so it usually runs with a licensed bank or e-money partner.
Do we need a license to launch a digital wallet?
It depends on your country, your wallet type and who holds the funds. Many companies launch with a licensed bank, e-money or banking-as-a-service partner. We do not give legal advice, but we build the product to fit the model your legal team chooses.
Is the wallet PCI DSS compliant?
Where card data is in scope, we design the wallet to align with PCI DSS. In many builds, card details go straight to a processor as tokens, so card numbers never touch your servers. Formal PCI DSS validation is done for your business by an assessor, and we support that work.
How do you handle KYC, AML and fraud checks?
We connect a KYC provider you approve for document, selfie and sanctions checks. Then we add tiered limits, AML monitoring rules and fraud scoring. Your team gets a review queue for the cases that need a human decision.
How long does it take to build an eWallet app?
It depends on scope. A closed-loop wallet MVP takes far less time than an open wallet with cards, bank payouts and many regions. After discovery, we share a phased timeline with clear milestones.
How much does eWallet app development cost?
Cost depends on wallet type, features, integrations, compliance scope, expected volume and the number of platforms. After a short call, we send a scope and an estimate, so you can see what each phase includes.
Can you build a crypto or multi-currency wallet?
Yes. We build multi-currency wallets with rate quotes and cross-border transfers. For token wallets, see our crypto wallet development team, which covers custodial and self-custody options.
Can you add our wallet to an existing app or platform?
Yes. We can add a wallet to your current app, marketplace or game through APIs and SDKs. We first review your back end, then plan how balances, payouts and refunds will work.
Who owns the code, and what support do you offer after launch?
You own the source code, design files and cloud accounts. After launch, we fix bugs, patch packages, watch payment errors and ship new features. We can also sign an NDA before we see your idea.
Start with a free estimate
Ready to Build a Wallet Your Users Will Trust?
Tell our eWallet app development company about your payment idea or your current wallet app. After one short call, you will get a clear scope, a phased plan and an estimate.
- Free consultation
- NDA on request
- You own the code
Contact Us
Share a few details about your project, and we’ll get back to you soon.
Let's Talk About Your Project
- Free Consultation
- 24/7 Experts Support
- On-Time Delivery
- sales@sdlccorp.com
- +1(510-630-6507)