Clients & Use Cases

We have created a Wallet framework with payments and multi-point collections integrated with the Wallet Engine

Wallet: Students spends cash in their daily life. A wallet populated with cards that would work for them to manage their expenses digitally gave birth to a thought called Campus Wallet – an award-winning project with tens of thousands of students who use it on a daily basis.
Integrated Payments & Collections: Traditionally, educational institutions have multiple revenue funnels, and managing the funnels, accounting, reconciliations, settlements, and reconciliation is what we do in Campus Wallets. The front end being a student/parent solution, the campus wallet has helped schools and colleges manage their funnels very effectively. We have a lot of schools and universities working on our Wallets. Our wallet system is also used by our clients like Credit AI, BFC, Khimji Ramdas internal Wallet, etc.

Back End: PHP – MVC framework (Views all Html5 bootstrapped)
DB: Aurora AW, MY SQL
Android: Kotlin
IOS: Swift
Project management Tool: Jira
Development and code management: Git

Expenses: Employees, Customers, reference groups
Loans: Advances & loans for customers

Lending platform with required financial nodes to connect to regulated as well as private platforms to enable payments as well as all functions of an ERP

Credit AI is a farmer lending platform for Agri inputs and Agriculture products. The farmer will be onboarded and will be presented with their application to a lending marketplace. The system will regulate and create a dossier for lending. The system enables verification as well as lending for own funds as well.

Supervault is an invoice discounting platform where the invoices are discounted on the basis of their invoice value and security from the Anchor Client. The entire loan management is worked out and loans are distributed through distributed pool accounts which is a completely new model. The lending system is integrated into payment platforms through - QR codes, Mobile Apps, Back end systems and third-party applications using IMPS / RTGS

Back End: PHP – MVC framework (Views all Html5 bootstrapped)
DB: Aurora AWS, MY SQL, Firebase Realtime
Android: Kotlin
IOS: Swift
Project management Tool: Jira
Development and code management: Git

Trade financing, Gold loans, Business loans, Invoice discounting, Employee advances.

A payment platform that is quite universal and can be applied to any geography. We have a payment processing engine aligned with the last mile, predominantly with NFC, Biometric, and QR payments. Payments cards from EMV platforms can be easily integrated into the platform, which could work as the front end of any application.

The payment module has been integrated with the BFC payment app in Bahrain, for making payments. The customers of the bank uses this for making offline as well as online payments on a day-to-day basis. In our lending module for Credit AI, the payment part is a very critical part; where farmers use this for onward payment to shops for Agri inputs and Agriculture products.

Back End: Node.JS
Front End: React
DB: Mongo
Android: Kotlin
IOS: Swift
Project management Tool: Jira
Development and code management: Git

All payment-related applications which could be from buying a coffee from a canteen to buying / transferring money from/to any stores either through EMV cards or Cards with QR or through mobile Apps

We have created a Wallet framework with payments and multi-point collections integrated with the Wallet Engine

We have created a Wallet framework with payments and multi-point collections integrated with the Wallet Engine A cashback system that can be applied to any kind of cash-based reward program. The system should pull your cash back “cash “ and retrieve it for your purchases intelligently using the cash back for benefits based on the outlet/product.
Indian Banks and their core banking system work under strict regulations from the Reserve Bank of India. They had to introduce Cash Back. We built Cashback for Federal bank -an emerging player who has won consecutive awards for their IT capabilities and has entrusted us with creating a cashback as an independent system outside their core banking solutions.br> We created a solution that will accrue points from the spending of the customer through banking channels, calculate the same and store it with us, and give it to him for redemption whenever he wants, as kind - strictly NOT CASH. We were continuously audited by one of the “Big 4” on every parameter including our internal processes, storage, documentation, and whatnot, at every stage of development.
Due to strict security measures, we were not given access to the main database of the bank, so the entire process was designed through a bridging module and we created a dedicated table structure to handle this process smoothly. Created and tested to perfection, we are proud that the Bank has rolled out the system to its clients.

Back End: Python for Concurrent API’s PHP – MVC framework (Views Node JS)
DB: AWS, Mongo
Project management Tool: Asana
Development and code management: Git

An e-commerce engine with hyper-local options, enabling shop listing, SKU listing, items as well as offers. The most important module is to split the revenue into three parts–merchant, service provider, and delivery agent.

Merchant Association of Kerala entrusted us to develop an end-to-end e-commerce system with order based on geo locales, cancelation of orders, delivery integration, and payments/refunds. The biggest challenge was to give a shop listing with local shops. We designed the entire module with language capability for managing the database of items in multiple languages, by translation and sometimes transliteration.An e-commerce engine with hyper-local options, enabling shop listing, SKU listing, items as well as offers. The most important module is to split the revenue into three parts – merchant, service provider, and delivery agent.
Payment streamlining and dividing the payments for the delivery company and the merchant requires a string architecture, both in the product and in the payment environment. We build reconciliation for every merchant and leverage the current tech space by adding all kinds of payment platforms like Credit cards, Debit cards, UPI, and net banking.
10 Tailor – a company based in the US engaged us to offer them a tripod tailoring and ordering system with fabric, tailor, and delivery agents. Online payment options were also integrated

Back End: Python for Concurrent API’s PHP – MVC framework (Views all Html5 bootstrapped)
DB: Aurora AWS, Mongo
Software Development life cycle: Scrum
Project management Tool: Jira
Development and code management: Git

A complete neo-banking back end that can be integrated into banks for savings, pre-paid, and third-party integrations like bill payment services, penny savings accounts, P2P transfers, and many other banking features. We have taken up the assignment of being a tech partner for Neofam – a neo bank that is created by a veteran in the BC business and an experienced professional with experience in DMT. The neo bank is released and is being used by thousands for Savings, PPI, and DMT Services to investment by integrating third-party APIs. Going forward the company’s plan is to acquire the licenses and become a bank by itself.

Back End: PHP
DB:Mongo
Android: Kotlin
IOS: Swift
Project management Tool: Zoho Projects
Development and code management: Zoho Projects

A commodity exchange platform with options for the wallet to hold money and do live trading of commodities. A back-end engine to align stock and disbursement even in physical form. Dynamic pricing, prioritizing lots and future price variations were worked out with the exchange module.

Developed and handed over a Commodity Exchange framework for TBX, which helps the common man invest in commodities especially; Agri Commodities. The client wanted to set up a mobile-based trading platform where they can invest and create a system right from procurement, settlement, reconciliation, and payments to Farmers, Warehouse management, Disbursement of loans to farmers, buy back accounting, transfer of stock from buying FPC to Commodity Exchange

Back End: Node.JS
DB: Mongo
Android: Kotlin
IOS: Swift
Project management Tool: : Zoho Projects
Development and code management: Git