La Remittance Wallet is a digital solution that allows users to send money quickly, safely and easily, mainly from the United States to Mexico, although its architecture can be adapted to other migratory corridors. Designed to facilitate international transfers from a mobile app, this wallet centralizes the management of payment methods, recipients, shipment tracking, and customer support in a single ecosystem.
The product is intended for use cases where the sender of the shipment resides abroad (for example, the United States) and the recipient is in Mexico. The user can add payment methods such as debit/credit cards to fund shipments, define recipients with different reception schemes (transfer, card, etc.), and track their transactions in real time. All from a mobile environment, without the need to go to branches or physical points.
Our Credit Wallet is designed to adapt to multiple origination scenarios, both in B2B and B2C environments. Here are the most common cases where it has been successfully implemented:
B2C Remittance Platforms who seek to offer a digital alternative to traditional models of sending money between countries.
Digital or hybrid remittances that require a robust financial backend, with connection to payment methods and banks.
Community or family applications that allow you to send money to multiple recipients on a recurring basis.
Payroll or international dispersion companies who operate with partners in Mexico and need to comply with local regulations for large volumes of users.
Institutional or social projects that send funds to users in specific areas and require full traceability of use.
Our Credit Wallet includes all the necessary functional components to operate simple credits in a secure, digital and auditable way:
Integrated CLABE/SPEI account for reception and local dispersion in Mexico.
International money transfer module, with calculation of exchange rates and amounts in real time.
Managing international recipients, with registration, editing, validation and quick selection from the mobile app.
Loading funds using a bank card, compatible with international cards (Visa/Mastercard).
Payment methods module: allows you to add, edit or delete cards as a means of delivery.
Identity Validation (KYC) digital to comply with regulations AML/FT.
Transaction history complete with display of states, amounts and recipients.
Real-time notifications (push or email) for each relevant shipment, reception or event.
Customizable white-label app, ready for production, adaptable to the customer's brand.
The Wallet solution for sending remittances is comprised of separate and decouplable modules, designed to be activated according to the specific needs of the customer, the operating model and the particular use case. This modular architecture allows for a highly flexible configuration that ranges from basic fund reception implementations to more sophisticated operations that integrate payment origin functionality, identity control, advanced traceability and automated notifications.
Each module meets user experience, security, interoperability and regulatory compliance standards, and can be customized to fit the technical, regulatory or business requirements of each implementation. This structure makes it possible to accelerate time to market, reduce development costs and ensure product scalability as the needs of the operation evolve.
The main modules available in this solution are described below.
This module allows new users to join the platform quickly and securely. Registration is done by email and telephone, including validation with SMS code and email confirmation.
The system guides the user in creating secure passwords and automatically manages duplication and fraud controls. The login includes real-time authentication, credential recovery and preventive blocking against failed attempts, thus guaranteeing reliable access aligned with best security practices.
The profile section centralizes the administration of the user's personal and contact data (name, alias, telephone, email, address and password). Each change is processed with step-by-step validations to avoid inconsistencies and reinforce compliance with the data required by integrated providers and current regulations. This module also includes critical functions such as account deletion, secure updates and full traceability of changes made.
This module allows the user to add and manage debit cards as an exclusive source of funds for sending remittances. The flow is designed to ensure a simple, secure experience aligned with good compliance and fraud prevention practices.
Each card entered is validated with an automatic identity verification and BIN analysis process, ensuring that it is indeed a valid debit card issued by a recognized financial institution. Credit cards or other alternative payment methods are not allowed.
The module also allows you to edit data associated with each card, easily delete them and view the estimated time of delivery of funds, as well as the corresponding commission per transaction.
All sensitive data is managed in compliance with PCI-DSS security standards.
It makes it easy to register, edit and manage the people who will receive money transfers. The user can capture name, alias, telephone and receipt data (bank account, card or bank) in simple, guided flows. The module supports multiple types of recipients and different payment configurations, offering an organized and secure directory for the dispersion of remittances.
It is the central flow of the wallet and the one that concentrates the value proposition. The user selects the recipient, the payment method and the amount, while the system calculates in real time the exchange rate, commissions and the final amount to be received. It includes confirmation screens with a breakdown of costs and results of the operation. All information is transmitted encrypted and processed in a secure environment, minimizing risks and providing confidence in every transaction.
Screen dedicated to chronologically displaying all the remittances sent and received. It allows you to apply filters by date, recipient or status, access the full detail of each transaction and even repeat frequent operations with a single click. Visible statuses (pending, sent, received) make it easy to track each shipment, while direct access to support channels allows you to resolve issues without leaving the flow.
Automated system that informs the user about relevant events: successful shipments, transaction errors, registration of a new recipient, expired cards or unusual transactions. Notifications are deployed within the app and can be supplemented with email or SMS depending on the customer's configuration. This ensures proactive communication, timely follow-up and a better user experience.
Section specialized in user service, which centralizes FAQs, email contact and WhatsApp channels. It allows you to scale critical requests, collect tickets and receive support in real time. The module is designed to integrate internal customer processes and offer a consistent experience at all points of contact, reinforcing trust and satisfaction of the end user.
Custom white-label implementation
We adapt the design, branding, navigation flows, texts and language of the application to the needs of each client, ensuring an experience consistent with their identity and business objectives.
Productive infrastructure from day one
We provide scalable and secure cloud environments already configured to operate in production, significantly reducing deployment times and costs.
Mature and validated technology
Robust and flexible platform, already operating in production with real customers in Mexico, which guarantees technical stability and proven end-to-end processes.
Full ownership of the source code
The client accesses a complete and well-documented repository, without technical dependencies or commercial blocks. There is no revenue share or hidden transaction fees.
Modular and integrable architecture
Each component of the product can be implemented independently, facilitating progressive integrations with existing systems and adaptations to different business models.
Accelerated Time-to-Market
The solution is designed to launch in weeks, not months. The onboarding, customization and integration processes are optimized to minimize risks and delivery times.
Ancient delivers the wallet with an infrastructure of tested and functional integrations.
Integration requests with different vendors involve additional effort and must be technically evaluated.
The integrations are interchangeable thanks to a decoupled architecture, but they require additional development effort if they are not within the base stack.
