Different wallet relationships
Individual, family and group wallets need different relationships and controls.
Business Domain Solutions
Bankware Digital Payments Solution
Build your payments ecosystem.
Customer and merchant apps are optional, and existing channels can be retained. Connections to banks, payment networks and service providers are tailored to the implementation.
02 / WHEN TO CONSIDER
Is this where your business is?
A growing payment network
More payment options bring more bank and partner connections to manage.
Customer service & engagement
Customers need simpler access to receipts and support, while teams need visibility into campaign participation and coupon redemption.
Connected daily operations
Transactions, reconciliation differences and business activity are hard to monitor together.
03 / VALUE
What the platform brings
to your business
01
Flexible wallets
Serve individuals, families and groups across supported currencies.
How it works
Parent accounts can view child-account history and set controls; group wallets support administrator management and QR capabilities.
02
Connected payments
Bring banks, QR, bills and mobile top-up into one wallet experience.
How it works
Manage transfer services, fees, FX rates and limits centrally. Network and partner connections are implemented for each market.
03
Rewards in action
Bring points, coupons and referrals into the payment experience.
How it works
Run points, coupons, cashback, referrals and surveys alongside payments, and track coupon activity by package.
04
Operational clarity
Oversee transactions, reconciliation and business activity together.
How it works
Bring account servicing, enquiries, reconciliation tools and dashboards into daily oversight. Supported limits, fees and reward rules are configurable.
04 / SCOPE AND FUNCTIONS
From wallet accounts
to daily operations
Connect customer journeys with daily operations.
Customers
Hold wallets in supported currencies, link parent and child accounts, and use group wallets with an administrator and QR.
Parent accounts can view child-account history and set limits and transaction restrictions.
Operations
Maintain records, account status and service access.
Manage wallet balances and transaction records, with support for linked bank cards.
PROJECT SCOPE
Onboarding, KYC integrations, tiers and policies are set for your market. Additional sub-wallet APIs and group-wallet membership, funding and currency adaptations require project implementation.
Customers
Use supported PIN or biometric sign-in, verify new devices, manage registered devices and lock a wallet.
Operations
Set role and channel limits, block or unblock accounts and transactions, and approve sensitive changes.
PROJECT SCOPE
Authentication depends on channel and partner capabilities. External identity and risk services, partial-balance Money Lock and additional rules are project-specific.
Customers
Fund or withdraw through connected banks and cash partners; transfer and receive money, exchange currencies, scan to pay, pay bills and top up mobile services.
Operations
Manage FX rates, fees and limits, enable services, and review transaction exceptions and pending items.
PROJECT SCOPE
Network participation, certification, interfaces, partner catalogues and clearing responsibilities are defined per project. Merchant onboarding and agent-counter workflows need their own scope.
Customers
Earn and review points, check in, invite friends, claim and redeem coupons, and join campaigns and surveys.
Operations
Manage tiered benefits and discount, points, coupon and cashback ledgers.
Issue coupons, track claims and redemptions, and manage promotions and surveys.
PROJECT SCOPE
Benefit funding, points liability, expiry and campaign rules are defined for your programme. Additional attribution integrations require project implementation.
Customers
Search transaction history, view receipts, email statements, manage notifications and contact support in the app.
Operations
Review customer and transaction records, send or schedule messages, issue statements and route requests to your support system.
PROJECT SCOPE
Messaging providers, support-system interfaces and localised content are integrated per project. Available self-service tasks depend on the delivered or retained channel.
Operations
Review pending and unmatched transactions, reconcile partner records, process approved adjustments and manage settlement.
Dashboards show customer activity, transaction volumes and values, and merchant analysis.
PROJECT SCOPE
Settlement accounts, clearing cycles, files and exception ownership are defined per project. Automated or scheduled reconciliation, discrepancy reports, extra dashboards and report distribution require implementation.
See the full function list
Accounts
Multi-currency wallets and currency conversion; parent–child links, history visibility, limits and restrictions; group-wallet creation, administrator, details, member viewing and QR. Additional sub-wallet APIs and group-wallet adaptations are project scope.
Authentication and protection
PIN and biometric methods, device registration and verification, session controls, wallet locking, account blocking and approval controls, within the agreed channel scope.
Payments
Quick Pay, in-app and web payments; merchant-presented and customer-presented QR; P2P, bills, mobile top-up, red packets, request money, favourites and recurring payments. One-off, intrabank automatic, cross-bank bulk and scheduled transfers; easy-send with 1/N splits, unclaimed handling and expiry.
Engagement
Event-based points, tiered benefits, discount, points, coupon and cashback ledgers, referrals, coupon distribution, promotional placements and surveys, with participation and coupon counts.
Service
Customer 360, account and transaction enquiries, receipts, statements, notifications, scheduled messages and support-system integration.
Operations
Fee, limit and FX rate maintenance; pending-item and float reports; partner reconciliation, approved debit and credit adjustments, settlement work and operational dashboards. Automation and additional reports follow the agreed project scope.
05 / FOUNDATION AND DELIVERY
Products, connections and delivery
Products behind the solution
BX-Payment Main product
Wallets, payments, engagement and daily operations
Agreed interfacesREST / JSON APIs
Message mappings and controls defined for your market
Connect the payments ecosystem
Banks & payment networks
Partner banks and local payment networks, with message mappings including ISO 20022 where required.
Service providers
KYC/AML, messaging and support services connected through agreed interfaces.
Existing channels & systems
Retain agreed channels and define data ownership, access, approval, audit and retention controls.
Deployment foundation
Public cloudorOn-premises
Availability, recovery and operating procedures agreed for your deployment.
Configure, connect and launch
- Step 1
Define & configure
Agree wallet and payment scope, channels and operating responsibilities. Configure supported settings.
- Step 2
Connect & validate
Implement bank, network and service interfaces. Validate message mappings and operational controls.
- Step 3
Rehearse & launch
Map accounts, balances and history. Rehearse, reconcile and agree cutover and operational handover.
Requirements beyond supported settings and extension points, including automation and reporting, are scoped as additional implementation.
06 / EVIDENCE
Trusty Pay, Myanmar
Trusty Pay
A wallet and payment Super App powered by BX-Payment
Myanmar · Cloud-based SaaS
JL Group’s Trusty Pay brings wallets, transfers, QR and bill payments, and agent banking together in a BX-Payment-powered Super App for customers and merchants.
Bankware has provided services to Trusty Pay since 2016. The solution is delivered as cloud-based SaaS in a private VPC on Alicloud.
Operator-reported scale as of June 2026: 400,000+ customers, 8,000+ merchants and 12M+ annual transactions. These figures describe service scale, not impact attributed to Bankware.
07 / Contact
Plan your wallet and payments scope.
Tell us who you serve, how money moves and which customer journeys matter. Bring your target networks, partner banks, existing channels and daily operating needs.
Together, we will define product coverage, optional app delivery, connections, migration and responsibilities.