Wallet-as-a-Service
Launch a Secure, Custom Wallet in Weeks
Build and scale your own branded wallet – fiat, crypto, or both. Octalas’s Wallet-as-a-Service lets you go live fast with ready-to-use infrastructure and full compliance built in.
What Is Wallet-as-a-Service?
It is a turnkey infrastructure that lets businesses create, launch, and manage digital wallets under their own brand. It replaces the need for building a wallet system in-house – with APIs, compliance tools, and banking integrations ready from day one.
With Octalas, you can offer users multi-currency wallets, crypto storage, P2P transfers, payment rails, and account management – all within a secure and customizable platform.
Everything You Need to Power a Modern Digital Wallet
Accounts & IBANs
Dedicated IBANs: Give users real IBANs linked to their wallet balances. Pooled Wallets: Track individual sub-balances on a pooled account with full ledger transparency.
Money Movement
SEPA & FPS: Enable instant Euro and GBP transfers within your wallet app. SWIFT: Let users send and receive funds globally with built-in SWIFT support.
Crypto Wallets
Custodial: Offer secure, regulated crypto wallets managed by licensed custodians. Non-Custodial: Let users hold their own keys while maintaining compliance visibility.
Currency Exchange
On-Ramp/Off-Ramp: Convert fiat to crypto and back via built-in liquidity partners. Internal FX Engine: Enable real-time currency swaps inside user wallets with transparent fees.
Compliance Stack
Digital Onboarding: KYC/KYB checks using biometric and document validation tools. AML Monitoring: Flag suspicious wallet activity, with rules tailored to fiat and crypto. Risk Scoring: Behavior-based analysis of wallet activity for fraud prevention.
Wallet UX & Management
Branded UI Toolkit: Use our white-label interface or build your own with our APIs. Transaction History: Full ledger history, download/export, tagging, and filtering. Pricing Engine: Define fees, markups, and spreads across wallet features.
Who Benefits from a Wallet-as-a-Service?
A Better Wallet Stack for Faster Launch and Easier Scaling
Built for Customization
Whether you want to launch a simple fiat wallet or a crypto-enabled super app, FinLego adapts to your needs. Use only the modules you need - accounts, payments, FX, crypto, or all of them.
Fast Time to Market
Launch your branded wallet in weeks, not months. Our infrastructure is pre-integrated with payment networks, custodians, and compliance providers - so you can skip the setup phase.
Fiat and Crypto, Natively Integrated
Offer your users both fiat and digital asset wallets within one unified experience. Seamlessly combine SEPA, FPS, and SWIFT with crypto custody and swaps.
Security & Compliance Handled
You don’t need your own license or in-house compliance team. We provide onboarding, AML, transaction monitoring, and ongoing risk control as a service.
Built-in Ledger System
Track balances, transactions, and internal transfers in real time with a robust ledger system that supports pooled or individual wallet models.
Scalable, API-Driven Architecture
Our APIs are designed to support millions of users. Scale from MVP to enterprise with confidence, while maintaining full control of the experience.
Enterprise-Grade Protection for User Funds and Data
Data & Platform Security
- Encrypted data storage and transfer
- API access control with token rotation
- Cloud-native hosting
Regulatory Compliance Built-In
- KYC/KYB onboarding with document verification and PEP/sanctions screening
- Ongoing AML transaction monitoring with custom rule logic
- Configurable fraud detection thresholds and velocity alerts
Audit & Reporting
- Real-time ledger exports and transaction logs
- Audit trails across all wallet actions
- Automated compliance reports for regulated partners
