Digital wallet app development services

Secure and trusted mobile & web e-wallet solutions for businesses and their customers. Empower convenient and seamless payments with our digital wallet app development services. 

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Mobile & web digital wallet solutions

Closed digital wallet development

Automate tedious loan origination processes, from fraud detection to application processing with our lending software developme

Empower your customers with a smooth and secure payment experience similar to Amazon Pay, Apple Pay, or Samsung Pay.

Securely store and manage user funds within a proprietary ecosystem. Enable uninterrupted transactions exclusively with the issuer of the wallet.

nt services.

Open wallet development

Enable your customers to make payments using their existing open-wallet credentials, such as Visa or Mastercard.

Enhance the security of your payment transactions & expand your global reach, and tap into the vast network of open-wallet users.

Semi-closed e-wallet app development

Expand payment options by creating a versatile semi-closed wallet app that facilitates transactions at a network of approved merchants.

Provide your customers with the flexibility to pay using their preferred semi-closed e-wallet app, such as PayPal or Google Pay.

Wallet integration

Integrate with popular mobile wallets, empower third-party integrations, and harness the power of blockchain to elevate your app's functionality and user experience.

Provide your customers with a consistent and unified payment experience across all platforms. 

Our digital wallet app development process

This is how we work



  • Budget Consulting
  • Strategy Consulting
  • Product Discovery Workshop

Discover & Define

  • UX Research
  • Product Roadmap
  • UX Design
  • UI Design

Deliver & Scale

  • Product Development
  • DevOps Architecture
  • Continuous User Feedback & Delivery


  • Recruit your own team with our help

EXCC: Custom PoW + PoS blockchain

Our team created a new blockchain, based on Proof of Work + Proof of Stake algorithms. That includes the entire blockchain infrastructure: wallets, miners, mining & staking pools, etc.

Read Case Study

Digital wallet app development services based on functionality

Cryptocurrency wallet development
Cryptocurrency wallet development

Build a robust and intuitive cryptocurrency wallet to safeguard your digital assets and facilitate easy transactions.

DeFi wallet development
DeFi wallet development

Develop a decentralized finance (DeFi) wallet that enables trading, token exchange, buying, selling, or lending of tokens.

NFT digital wallet development
NFT digital wallet development

Create a secure and user-friendly NFT digital wallet to store, manage, and trade your non-fungible tokens.

Digital wallet app development features

Our comprehensive web & mobile wallet app development solutions encompass Android, iPhone, and a variety of other e-wallet platforms. We craft secure and user-friendly apps that enable seamless instant payments. See examples of e-wallet app features we offer depending on the end user of your product.

Admin features provide comprehensive tools for managing the platform, users, marketing, and business operations.

Streamline admin operations with a comprehensive dashboard that empowers user management, marketing campaigns, and business analytics.

User management

User management

  • Manage user accounts and permissions
  • Create, edit, and delete users
  • Assign roles and access levels
  • Monitor user activity
Marketing and promotions:

Marketing and promotions:

  • Create and manage marketing campaigns
  • Track campaign performance
  • Send targeted promotions to users
  • Manage rewards and cashback programs
Business management

Business management

  • Access and analyze business data
  • Track revenue and transactions
  • Manage features and settings
  • Configure and manage integrations

User features

User features focus on providing a rewarding experience for app users.

Make the e-wallet users experience seamless transactions, personalized recommendations, and secure wallet management.

Registration and profile

Registration and profile

  • Create and manage user profiles
  • Link multiple bank accounts
  • Set spending limits and budgets
  • Receive personalized recommendations
  • Back up and restore user data
Wallet and payments

Wallet and payments

  • Add funds to and withdraw funds from wallets
  • Transfer money between wallets
  • Make bill payments and set up autopay
  • Check transaction history
  • Split bills and receive payments
  • Pay bills using wallet balance
Rewards and promotions

Rewards and promotions

  • View available offers and discounts
  • Track and redeem reward points
  • Earn referral points by inviting friends
  • Manage referral program settings

Merchant features

Merchant features empower businesses to establish their online presence, manage products and services, engage customers, and drive sales.

Let merchants do all that with digital wallets that integrates smoothly their your business operations.

Profile and management

Profile and management

  • Create and manage merchant profiles
  • Manage customer and employee accounts
  • Request withdrawals
  • Access custom merchant dashboards
Products and services

Products and services

  • Add and manage products and services
  • Create and manage events
  • Offer loyalty rewards and promotions
  • Generate and manage QR codes
Marketing and promotions

Marketing and promotions

  • Create and manage discount coupons
  • Manage reward points programs
  • Create and send promotional offers
  • Send targeted push notifications to customers
Payments and integrations

Payments and integrations

  • Integrate with POS systems
  • Integrate with payment gateways
  • Integrate with calendar systems

Why choose our mobile banking app development services?

Alternative investment technology solutions, trading platforms, banking software – we’ve been successfully creating fintech software since 2014.

Intuitive mobile app design

Create an engaging and user-friendly digital wallet app that delights your customers with its intuitive design.

Our team of experienced UX and UI design specialists will create an interface that is easy to navigate and visually appealing to make your users enjoy a great payment experience.

Secure integrations

We'll help you securely integrate your e-wallet with third-party apps in a way that protects your customers' sensitive financial data.

We employ cutting-edge security protocols and best practices so that your digital wallet software is always secure.

Modern development with Agile

The apps we build undergo multiple releases during development. With it, we reduce the risk of major bugs and deliver robust solutions for the loan industry.

Financial app developers

Tap into our pool of highly skilled financial app developers with extensive experience in fintech web & mobile app development.

Our teams have a deep understanding of the financial industry. Thanks to that, you can be sure your app will be innovative, secure, and regulation-compliant.

Agile development

At Pragmatic Coders, we prioritize quality by integrating testing and monitoring into the development process. 

Thanks to embracing Agile practices like Continuous Delivery, Test-Driven Development, and Scrum, we can streamline the deployment process.

This way, we reduce costs, minimize bugs, and ensure continuous code improvement.

DevOps team

Safety is the key priority when developing financial products such as digital wallets.

We uphold the highest standards in fintech infrastructure maintenance and security.

Infrastructure monitoring, troubleshooting, patching and updating to 24/7 support.

Extra infrastructure features on demand, whenever you need them.

We ensure security and regulatory compliance of your digital wallet app

Technical expertise alone is not enough in such highly regulated sectors as fintech.
We understand the unique challenges and requirements of the financial sector.
That’s why we ensure the apps we develop are always secure and compliant with all the fintech regulations and standards.

Basel III
Basel III

Digital wallet app development FAQ

Everything you need to know about web & mobile digital wallet app development before partnering with software developers.


What is a digital wallet?

An e-wallet, also known as a digital wallet, is a secure application that stores your payment information, such as credit card numbers, debit card numbers, and passwords, in an encrypted format.

This allows you to make payments online or in-store without having to enter your card information every time (contactless payment).

E-wallets can also store other information, such as boarding passes, event tickets, and loyalty card numbers. 

How does an e-wallet work?

When you make a payment using an e-wallet, the app generates a unique token that is used to represent your payment information.

This token is then transmitted to the merchant, and your actual card information is never exposed. This makes e-wallets a very secure way to make payments.

Here is a more detailed explanation of how an e-wallet works:

  1. You create an account with an e-wallet provider.
  2. You enter your payment information into the e-wallet app.
  3. The app encrypts your payment information and stores it securely on your device or in the cloud.
  4. When you make a payment, the app generates a unique token that represents your payment information.
  5. The token is transmitted to the merchant.
  6. The merchant processes the payment and sends the funds to your account.

What types of digital wallets are there?

We can classify digital wallets in a few ways.

Types of Digital Wallets Based on Issuer

Closed Wallet:

  • Developed and maintained by a specific company or organization
  • Typically used for making payments within a specific ecosystem, such as a retailer's loyalty program or a transportation network
  • Examples: Amazon Pay, Apple Pay, Samsung Pay

Semi-closed Wallet:

  • Can be used with a limited number of merchants or within a specific industry
  • May offer more flexibility than closed wallets but still have restrictions
  • Examples: PayPal, Google Pay, Venmo

Open Wallet:

  • Not tied to any specific issuer or merchant
  • Can be used for a wide range of transactions, both online and offline
  • Often considered the most versatile type of digital wallet
  • Examples: Visa Checkout, Mastercard PayPass, M-Pesa

Types of Digital Wallets Based on Functionality

  • Bitcoin wallet: Stores and manages Bitcoin cryptocurrency.
  • White label crypto wallet: A pre-built crypto wallet that can be customized and branded by companies.
  • Multi-cryptocurrency wallet: Stores and manages multiple cryptocurrencies.
  • Ethereum digital wallet: Stores and manages Ethereum cryptocurrency.
  • Defi wallet: Decentralized finance (DeFi) wallets that enable trading, token exchange, buying, selling, or lending of tokens.
  • Coin-specific wallet : Wallets for specific cryptocurrencies.
  • Stored-value wallet: Stores and manages prepaid funds for online or offline payments.
  • Telco wallet: A wallet integrated with a telecommunications provider for mobile payments.
  • Transportation wallet: A wallet for making payments for transportation services.
  • Cashback/rewards wallet: A wallet that offers cashback or rewards for using the wallet for transactions.
  • IoT wallet: A wallet integrated with Internet of Things (IoT) devices for secure transactions.
  • AI-powered wallet: A wallet that uses artificial intelligence (AI) to provide personalized features and enhanced security.
  • Multi-currency wallet: Stores and manages multiple fiat currencies.
  • NFT digital wallet: Stores and manages non-fungible tokens (NFTs).
  • Biometric wallet: A wallet that uses biometric authentication, such as fingerprints or facial recognition, for security.
  • Peer-to-peer transfer wallet: A wallet that enables direct transfers of funds between individuals.
  • Centralized wallets: Centralized crypto wallets that a company manages.

What are the benefits of digital wallets?

  • Convenience: A mobile wallet application allows users to make payments without having to carry around physical cash or cards.
  • Security: Digital wallets are often more secure than physical wallets because they use advanced security features such as tokenization and encryption.
  • Speed: E-wallets can help to speed up the checkout process because users can make payments with a few taps or clicks.

How do you develop secure digital wallet apps?

We prioritize security when developing our e-wallet app. Here are some of the key considerations we take:

  • Encryption techniques: We encrypt all sensitive data, such as payment information and personal information, to safeguard it from unauthorized access.
  • Secure connections (HTTPS): We ensure all communication between the digital wallet application and the server occurs over secure HTTPS connections to prevent data interception.
  • Industry best practices: We adhere to industry best practices for security, such as the Payment Card Industry Data Security Standard (PCI DSS).
  • User authentication: We require users to authenticate themselves before accessing sensitive information, such as payment information.
  • Data encryption: We store all sensitive data in encrypted form, even when it's stored on the device.
  • Tokenization: We replace sensitive data with unique tokens that can be used for transactions without exposing the actual data.
  • Security standards and regulations: We comply with relevant security standards and regulations, such as the General Data Protection Regulation (GDPR) and the Payment Card Industry Data Security Standard (PCI DSS).

What's your fintech experience?

We've been building fintech products since 2014.

During the last few years, we have delivered many challenger and mobile banks, trading platforms, cryptocurrency exchanges, secondary shares trading platforms, and many more. 

Check out fintech case studies to learn more.

What's your experience in UX research and product design for financial apps?

We carry out UX research and craft intuitive interfaces, ensuring a seamless customer experience for users of various fintech services, including digital wallets.

Check out a few examples of our research and designs below.

UX research:


How long and how much does it take you to build a digital wallet app?

The cost and time to develop an e-wallet depend on the specific requirements of the project. In general, building an MVP (minimum viable product) takes us on average 3 months and roughly $90k.

To learn more about our MVP-building process, read this guide:

How long and how much does it take to build an MVP?

Don't hesitate to contact us for tailored time and budget estimates for your mobile application development.

What's your technology stack for fintech software solutions?

Our core technologies include React, JavaScript, Node.js, and AWS. We have both Android and iOS fintech app developers on board.

If we don't yet have the in-house expertise for a particular technology, we can always hire a specialized developer.

What collaboration model do you offer?

Our primary collaboration model is a dedicated development team, where we assemble a team of experienced developers just for you to work on your financial app development project. This model offers cost-effectiveness, faster development, higher quality, improved communication, and greater flexibility.

We are also open to exploring other collaboration models that may better suit your specific needs. Whether you prefer an outsourced approach or a hybrid solution, we are committed to working with you to find the best way to bring your financial app development project to life.

I don't want to develop my e-wallet app yet - what can you offer?

If you're not ready to develop your digital wallet application yet, you might want us to carry out a Product Discovery Workshop for you.

A Product Discovery Workshop is a collaborative session where we - together with you as our client, based on our experience building 80+ digital products - define what needs to be done to make your product successful.

If you want to learn more about the workshops (scope, cost, agenda & more), read this article:

Product Discovery Workshop: Everything you need to know

Can I get free consulting?

Yes, we offer a free consultation to discuss your needs and goals for your loan software solution - just contact us through the form below.

Choose a trusted fintech outsourcing company

Need to outsource fintech developers? We’ve assisted numerous small, medium, and large enterprises in overcoming challenges when establishing successful remote fintech software development teams or entire IT hubs in Poland.

Pragmatic Coders at work

What our fintech clients say about working with us

I'm impressed by how flexible Pragmatic Coders is (...). Culturally, they're a really good fit for us, and the team is very responsive to feedback. Whenever I ask them to do something, they look at it, and they're not scared to push back. I've found it very easy to work with them — we have more of a partnership than a client-supplier relationship.

Simon Dawson
Simon Dawson Head of Engineering, Atom Bank

Pragmatic Coders pay attention to detail and understand the business domain correctly. They led us to a successful launch of our product this year. We’re happy with the effects of their work. Our team is still using the platform and building on top of it.

Martin Welner
Martin Welner Technical Director, Kitopi

The entire focus was on the product and the customer, and I loved it. (...) The team was turning up with solutions to problems I didn't know we had.

Tony Kelly
Tony Kelly Core Team Member, Common Wealth

It’s truly been a partnership. They have an in-depth understanding of our client base and what services we provide, anticipating evolving needs and addressing them by adding new features into our system. Their team also makes sure that there is a shared understanding so that what they deliver meets my organization's and our clients’ expectations. 

Cindy Salas
Cindy Salas CEO, WithHealth

(...) Pragmatic has highly skilled engineers available immediately but most importantly, passionate people who love what they do and learn new things very quickly. I recommend Pragmatic Coders to anyone who requires expert software development no matter the stage of their business.

Pawel Oltuszyk
Pawel Oltuszyk CEO, Frost

They responded to our queries almost immediately, and they were consistently polite and professional in their interactions. If there was something even more impressive than their communication, it was definitely their transparency. We were well informed about every aspect of their work, including what they did, why they did it, and how long it was going to take (...).

Ghassan Talhouk CEO, Socienta

Our other fintech software services

Insurance Software Development Services
Insurance Software Development Services
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Custom Financial Software Development Services
Custom Financial Software Development Services
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Banking Software Development Company
Banking Software Development Company
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Accounting Software Development Services
Accounting Software Development Services
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Custom Blockchain Software
Custom Blockchain Software
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Trading Software Development Services
Trading Software Development Services
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Custom Wealth & Investment Management Software
Custom Wealth & Investment Management Software
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NFT Trading Platforms Development
NFT Trading Platforms Development
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Lending Software Development Company
Lending Software Development Company
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Mobile Banking App Development
Mobile Banking App Development
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Payment Gateway Integration Services
Payment Gateway Integration Services
Learn more

Let's talk

We’ve got answers on anything connected with software development.

Ask a question

You can ask us a question using the form below. We will respond as soon as possible.

Schedule a meeting

You can also schedule an online meeting with Wojciech, our Senior Business Consultant.

wojciech knizewski portrait
Wojciech Kniżewski

Senior Business Consultant

8 out of 10

founders who contacted us wanted
to work with our team.

Trusted partner


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