Wallet-as-a-Service,
regulated on one ledger.
Deploy configurable, multi-regulated wallet accounts for any party type on a single shared ledger — with regulatory segregation, interest accrual and real-time reconciliation built-in.
With our tools, we guarantee you.
+KES 289,741
RECEIVED
-KES 107,741
COMPLETED
-KES 78,303
PROCESSING
+KES 178,395
PROCESSING
Cross-Wallet Asset Transfers
Move value between regulated wallets (e.g. CMA MMF → CBK e-money) with:
- Instant settlement
- FX handling
- Automatic regulatory reporting
CBK E-Money WalletKES 2.4MCMA MMF WalletKES 12.8MRBA Pension WalletKES 8.1MIRA Insurance WalletKES 1.8MTotal Balance
KES 25.1M
Multi-regulated Wallet Types
All within a single party wallet, regulated independently.
- CBK E-money
- CMA Securities/MMF
- RBA Pension
- IRA insurance
Tenant A
Savings Product
KES 1.8M
Tenant B
Pension Product
KES 3.4M
Tenant C
Insurance Float
KES 980K
Multi-Tenant Sub-Accounts
Virtual ledgers per tenant or product with automatic segregation, preventing cross-regulatory commingling.
Supplier payment
KES 480,000
Pending approval
Finance OfficerTreasury Manager
CFOTreasury Float Reallocation
KES 2,400,000
Pending approval
Operations ManagerTreasury ControllerCFOGroup & Corporate Wallets
Chama accounts, SACCO wallets, corporate multi-signatory wallets with delegated authority and maker-checker controls.
Mismatch detected
Severity classified
Treasury team notified
Escalate to operations/compliance
Manual investigation triggered
Automated Reconciliation
Real-time matching against partner banks, custodians and regulated entities with configurable tolerance thresholds and break escalation.
Tenant = SACCO Banking
Regulator = CBK
Party Type = Corporate
Configurable Rules Engine
Per-tenant, per-party, per-regulator limits, fees and approval workflows — all via API or low-code portal. Zero hard-coded logic.
