A real ledger, not a balance field
Every credit and debit is double-entered, timestamped and traceable to its source. Balances reconcile to the last cent because they are derived, not stored.
Wallet accounts for anyone you serve.
A wallet is where money sits still. Payments move it in and out, lending puts it to work, but the wallet is what makes a customer feel they have an account with you rather than a transaction history.
Lipaware gives you that account layer complete — ledger, limits, lifecycle and compliance — presented entirely under your brand.
One account layer, every module
The same wallets receive collections, hold merchant settlement, fund loan disbursement and take repayments — so money moves within your platform instead of leaving it.
Yours end to end
Your name on the app, your fee schedule, your tiers and limits, your customer data. Lipaware operates the technology and stays invisible.
Six parts, one account layer
Six capabilities that make a balance an account your customers, your finance team and your regulator can all rely on.
Wallet types
Accounts for every party you serve
One ledger, many shapes of account.
Issue distinct wallet types with their own rules, fees and limits — consumer, merchant, agent, corporate, staff, supplier or scheme member — without running separate systems for each.
Where it worksConfigured on the web dashboard; presented in your branded apps.
- Consumer, merchant, agent, corporate, staff and scheme-member account types
- Multiple purpose-specific wallets per customer — main, savings, goal, commission, float
- Per-type fees, limits, permissions and product entitlements
Ledger & reconciliation
Books that always balance
Double-entry accounting under every balance.
Each movement writes a matched pair of entries against the customer wallet and the corresponding settlement or float account, so the platform reconciles continuously rather than at month end.
Where it worksFinance and treasury dashboards on web; statements exported or pulled by API.
- Immutable transaction records with a full audit trail
- Automatic reconciliation against bank, wallet and processor settlement
- Statements, trial balances and exports for finance and audit teams
Money in, money out
Funded and drawn down on local rails
Top up and cash out the way your market actually does.
Wallets fund from and withdraw to the rails your customers use — mobile money, bank transfer, card, agent networks and internal transfers between wallets on your own platform.
Where it worksCustomer apps, agent apps and API-triggered movements.
- Top-up by mobile money, bank transfer, card or agent deposit
- Wallet-to-wallet transfers that settle instantly and cost you nothing externally
- Withdrawal to bank and mobile money with configurable fees and limits
Controls & compliance
Limits, tiers and the records regulators ask for
Built to survive a supervision visit.
KYC tiers govern what an account can do. Limits, velocity rules, approval chains and screening apply automatically, and every decision is recorded with its reason.
Where it worksRules configured on web; enforced automatically across every channel.
- Tiered KYC with limits that lift as verification deepens
- Transaction, daily and balance velocity rules per wallet type
- Screening, suspicious-activity flags, dormancy handling and audit-ready records
Customer experience
An app your customers recognise as yours
Branded web and mobile, or embedded in what you already have.
Launch with Lipaware’s white-labelled apps carrying your identity, or embed wallet functionality inside an app you already own through the API.
Where it worksiOS, Android and web; SDKs and APIs for embedding.
- Your logo, colours, domain, app-store listing and notification sender name
- Balance, statements, transfers, payments and self-service from the customer’s phone
- The same account reachable through your call centre, branch and agent channels
Operations
The back office that comes with it
Everything your team needs on day one.
Support, finance, compliance and product teams get role-based tools to run the wallet business without engineering involvement.
Where it worksWeb dashboard with role-based access.
- Customer lookup, account status, freeze, unfreeze and dispute handling
- Fee and pricing configuration your product team controls
- Live balances, float positions, product performance and regulatory reporting
From setup to live
Four steps between the first conversation and a branded account your customers can open.
- 01ConfigureAccount types, tiers, limits and fees are set to your rules.
- 02BrandYour identity is applied across apps, notifications and statements.
- 03ConnectFunding and withdrawal rails are enabled for your markets.
- 04LaunchYou go live with your team already trained on the back office.
An account, not another integration
Banks
Branded accounts for segments a core banking system serves slowly or expensively: youth, diaspora, SME sub-accounts and savings goals.
Mobile network operators
Turn an existing subscriber base into account holders, with savings, transfers and merchant payments beyond airtime.
Microfinance & SACCOs
Give members a real account to receive disbursements and make repayments, instead of pushing every transaction through third-party mobile money.
Corporates & schemes
Staff, member and beneficiary accounts for allowances, welfare payouts, commissions and controlled spending.
Questions buyers ask
You do, through your own bank or trust arrangement. Lipaware operates the ledger and the technology; the underlying funds sit in accounts held in your name under your regulatory permissions.
That depends on your market and what the wallet does. Banks and licensed payment or e-money institutions generally issue in their own right; others partner with a licensed institution.
We work to the structure your legal and compliance teams set and provide the technical documentation supervisors ask for.
Yes. Multi-currency wallets use the same FX service as the rest of the platform, with your own margin applied and the rate recorded on every conversion.
Wallets are the account layer beneath every other module. Collections settle into them, disbursements pay out of them, loans are disbursed into them and repayments are collected from them — with no external transfer in between.
Yes. Take the branded apps as they are, embed the wallet through our APIs and SDKs inside an app you already own, or run both while you migrate.
Dormancy thresholds, notification rules and closure handling are configurable to your policy and your regulator’s requirements, with the full account history retained for the retention period you set.
What do you want to launch?
Tell us who needs an account and which markets you are in. We will show you what is already built and what it takes to put your name on it.