Wallet
Personal

White label fintech components
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What is this product?

The Digital Wallet is a ready-to-use solution under your brand. It works as a digital account for individuals, allowing them to send, receive, save, and spend money from an app with a modern user experience, key banking features, and modular components that adapt to your fintech's operating model.


It is a white-label product designed for financial inclusion models, B2C consumption, loyalty programs, payment dispersion, or more advanced use cases such as financing or crypto management. It can scale from lightweight MVPs to solutions ready for certification with financial authorities, as required by the project.

Use cases

Consumer fintechs (B2C wallets)

Loyalty programs or cashback rewards

Universities, communities, or clubs that operate with digital balances

Solutions for the distribution of subsidies or institutional funds

Functional components

CLABE/SPEI account for incoming and outgoing transfers

Balance and transaction management

Payments for public and private services (more than 100 integrated agreements)

Cash deposits via correspondent network

Digital identity verification (KYC)

Customizable white-label mobile app

Push/email notifications about account activity

Product versions

All versions share the same core and can be activated separately or in combination, depending on the business model, regulatory requirements, and project stages.

Version

Description

Ideal for

Basic Wallet
Essential features: transfers, balances, bill payments, and transactions.
MVPs, market tests, regulated or unregulated pilots.
Prepaid Card Wallet
Issuance and use of a prepaid card (physical or virtual) linked to the available balance.
Consumer fintechs, payments in physical stores
Cripto Wallet
Adapted to regulatory compliance: reports, auditing, validations, certifiable infrastructure.
Fintechs with IFPE, transmitter, or similar licenses
Regulatory Wallet
Operation as a technological component without certification requirements.
Customers with their own identity, tech MVPs

Comparison of features by version

Below is a detailed comparison of the main flows and modules available in each version of the Wallet. This table serves as a guide to quickly visualize what each variant of the base product includes and how they adapt to customer needs, operational focus, or regulatory model.

Some modules are optionally activatable and can be included in multiple versions, depending on the use case and the configuration selected in each implementation.

Flow / Module

Basic

Prepaid card

Crypto

Regulatory

Non-regulatory

Digital onboarding (create account)
Login and secure access
Dashboard and movements
Notifications and alerts
Payment for services
Prepaid card management
Crypto trading
Support and help center
User profile management
Beneficiaries
Account cancellation
Device authorization/removal

Included by default

Module available, can be activated by configuration or request

Does not apply or is not part of that version

The Wallet is composed of independent modules that are activated according to the use case, the version implemented, and the requirements of each client (as shown in the table). These modules allow the product to be adapted to different operating models, from basic wallets to more comprehensive solutions with credit, cards, or crypto assets.

Onboarding
digital (create account)

100% digital flow that allows users to create an account directly from the app, without human intervention. The process involves capturing personal data, scanning and validating official documents with OCR technology, crossing against blacklists and accepting terms and conditions.

This module meets regulatory requirements for figures such as IFPE or transmitters, but it can also be used in unregulated schemes that require identity validation.

It is designed to ensure traceability, fraud prevention, and enables a quick, simple onboarding experience aligned with fintech industry standards.

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Beneficiaries

Functionality that allows you to register, edit and delete beneficiaries associated with the user's account.


Each beneficiary can include basic data and, depending on the use case, be designated as heir, recipient or responsible for receiving funds.

This module is common in financial solutions that require a clear asset structure or legal support for specific uses (such as automated transfers or death conditions).

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Cancellation
Of account

Flow that allows the user to close their account directly from the app. It includes identity verification, confirmation of intent, cancellation of associated products and disengagement of sessions or devices.


It also makes it possible to record the reason for cancellation for subsequent analysis or statistical purposes.


This module is designed to run without friction, but with the necessary controls to prevent accidental or malicious closures.

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Authorization/deletion
of devices

Security module that allows the user to see all devices with an active session and manage access.


It includes the possibility of closing remote sessions. This module reinforces the app's perception of security, reduces operational risks and is especially useful in contexts where multi-device access is enabled.

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Login and secure access

User authentication module using email and password. It integrates options such as session reminder, password recovery and biometric authentication (Face ID or Touch ID) if the device allows it.

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Dashboard and movements

The user's main screen where you can view your available balance and a complete history of transactions.

The movements are presented chronologically and can be filtered by type of operation, date or amount. Each operation shows details such as concept, origin/destination and status, allowing a clear traceability of income, expenses, recharges and payments.

This module is optimized for fast loading and can be adapted to the customer's visual design or to integrations with external systems.

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Notifications
and alerts

System for generating and sending automatic alerts for key events within the app: payments made, unusual movements, sending or receiving money, among others.

Notifications can be displayed via push, within the app or sent by email. Each channel can be configured according to the user's profile or customer requirements. In addition, it can be scaled to more complex alert systems if required for more robust solutions.

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Payment of
Services

Functionality that allows you to make payments to public and private services directly from the available balance in the wallet. It includes validation of references, visualization of the name of the service and confirmation of the amount before shipping.

The system allows you to operate with single or scheduled (recurring) payments, and offers a simple payment experience aligned with what the user expects from a banking app.

It is integrated with MTCenter as a network provider, allowing access to a wide catalog of services nationwide. This module can be enabled as a dedicated section or embedded within other flows according to the customer's needs.

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Prepaid card management

It allows users to manage a prepaid card (physical or virtual) linked to their account. Features include activation, temporary or permanent locking, PIN consultation and viewing sensitive data with additional authentication.

This module is fully integrated with Pomelo as an issuer and processor provider, which guarantees regulatory compliance, controlled issuance and traceability of all transactions carried out with the card. In addition, it allows the user to view the current status of their card, consult the associated movements and receive alerts in real time in case of use, blockage or related important events.

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Trading in crypto

Module that allows users to keep balances in stablecoins (for example, MXNB), convert them to Mexican pesos and vice versa, and view their complete trading history.

It works through direct integration with Bitso, who acts as a custodian and liquidity provider. The wallet operates under a mirror account scheme, which allows the crypto balance to be reflected in the user interface without the need for the user to interact directly with the exchange.

Optionally, a prepaid card can be linked to allow spending in fiat, although the main management is still from the crypto environment.

This module is designed for products that do not require a regulated figure, but it aligns with what is established by the Anti-Laundering Act for vulnerable activities.

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Support and Help Center

Module focused on providing direct and multichannel service to the user. From this section, the user can access:


- Frequently Asked Questions (FAQ)

- WhatsApp channel

- Contact by email

- Direct call option

It is designed to scale requests based on urgency and offers a simple interface for activating each contact path.

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User profile management

From this section, the user can view and update their personal and contact details, such as email, telephone number and password.

Each flow is guided by intuitive screens, with step-by-step confirmations and validations.

It also allows you to configure general account options, such as beneficiaries, language, notifications and other settings. It is a key module for keeping data updated and reinforcing the user's sense of control over their account.

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Related services

Brand customization, user experience, and flows

Production-ready cloud infrastructure

Key differentiators

Mature technology, already in production with real customers in Mexico

Modular architecture

Full source code, no lock-ins or revenue share


Fast go-to-market: weeks, not months

Default integrations

Ancient delivers the wallet with a proven and functional integration infrastructure.

Requests for integration with different suppliers involve additional effort and must be evaluated technically.

Module

Integrated suppliers

KYC
Card processing
SPEI
Service payments
Crypto custody
Crypto Exchange

Integrations are interchangeable thanks to a decoupled architecture, but require additional development effort if they are not within the base stack.

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