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EN
Innowise is an international full-cycle software development company founded in 2007. We are a team of 2500+ IT professionals developing software for other professionals worldwide.
How we work Corporate social responsibility Design studio XR studio Partnership Career Blog
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About us
Innowise is an international full-cycle software development company founded in 2007. We are a team of 2500+ IT professionals developing software for other professionals worldwide.
Download overview
Overview How we work Corporate social responsibility Design studio XR studio Partnership Career Blog
Services
All services
Full-cycle software development services
IT consulting & advisory Web development Mobile development Embedded software development Custom software development MVP development Cloud development ERP development Mainframe support Legacy modernization
UI/UX design 3D design Software testing and QA Security testing Database administration DevOps DevSecOps Network IT staff augmentation Dedicated team
Advanced technologies implementation
Big data Data management Data analytics Data engineering Data visualization Business intelligence Machine learning Artificial intelligence Data science Sustainability & ESG
Digital transformation Business process automation Robotic process automation Cybersecurity Internet of things Blockchain NFT Metaverse
AR &VR
Technologies
All technologies
Front-end
React Angular Vue.js JavaScript
Back-end
Java .NET Python PHP Node.js Unity Ruby Golang Rust C/C++ Unreal Engine Cobol
Mobile
iOS Android Flutter React Native Xamarin .NET MAUI Kotlin Swift
Cloud
AWS Azure GCP Sharepoint
ERP & CRM
SAP MS Dynamics 365 Odoo Salesforce
Industries
All industries
Finance Banking Trading Insurance eCommerce Retail
Healthcare Pharmaceutics Education Telecommunications Media & Entertainment
Enterprise Manufacturing Automotive Logistics Transportation Marketing Advertising
Government Energy & Utilities Oil & Gas Construction Real Estate Agriculture Travel
Portfolio
Case studies
Banking Finance Healthcare Pharma
eCommerce Retail Manufacturing Enterprise
Our platforms
Applicant tracking system (ATS) HRM system Learning management system (LMS) Workspace booking system

eWallet app development services

Stop losing users to clunky UX and rigid APIs. Build the wallet they actually want to use. Custom features. Full control. Zero shortcuts. Our eWallet app development company will handle the tech, and you own the growth.

Let’s build it

20+

eWallet projects delivered

30+

experts in eWallet tech

80%

senior & mid-level specialists

Stop losing users to clunky UX and rigid APIs. Build the wallet they actually want to use. Custom features. Full control. Zero shortcuts. Our eWallet app development company will handle the tech, and you own the growth.

Let’s build it

20+

eWallet projects delivered

30+

experts in eWallet tech

80%

senior & mid-level specialists

Why eWallet app development is a smart business move

  • You control the entire user journey
  • Onboarding stops scaring people off
  • You get insight, not just transactions
  • You reach the users big wallets ignore
  • Your roadmap runs on your terms

You control the entire user journey

Every time someone pays through Apple Pay or Google Pay, those brands get recognition. Not yours. Developing your own wallet makes you the default. You own the interface, the data, and the trust that comes with every transaction.

You control the entire user journey

Onboarding stops scaring people off

Ever watched someone drop off during onboarding? Clunky KYC, awkward UI, limited options — all friction. A custom wallet gives you the power to remove it. Faster signups. Fewer abandoned carts. More transactions.

Onboarding stops scaring people off

You get insight, not just transactions

Third-party wallets give you a basic user experience. But your own wallet app can provide much deeper visibility. With proper tools, you can track how users move through the app, where they drop off, and which features drive engagement.

You get insight, not just transactions

You reach the users big wallets ignore

You can build a wallet that works where others don’t. This lets you serve customers in emerging markets, niche segments, and high-friction industries with seamless experiences powered by localized flows, currencies, and smart integrations.

You reach the users big wallets ignore

Your roadmap runs on your terms

Want to launch a new feature? Test a new currency? Integrate a partner? Good luck waiting in line at a third-party roadmap meeting. Your wallet means your timeline, your roadmap, and your call.

Your roadmap runs on your terms
You control the entire user journey

Every time someone pays through Apple Pay or Google Pay, those brands get recognition. Not yours. Developing your own wallet makes you the default. You own the interface, the data, and the trust that comes with every transaction.

You control the entire user journey
Onboarding stops scaring people off

Ever watched someone drop off during onboarding? Clunky KYC, awkward UI, limited options — all friction. A custom wallet gives you the power to remove it. Faster signups. Fewer abandoned carts. More transactions.

Onboarding stops scaring people off
You get insight, not just transactions

Third-party wallets give you a basic user experience. But your own wallet app can provide much deeper visibility. With proper tools, you can track how users move through the app, where they drop off, and which features drive engagement.

You get insight, not just transactions
You reach the users big wallets ignore

You can build a wallet that works where others don’t. This lets you serve customers in emerging markets, niche segments, and high-friction industries with seamless experiences powered by localized flows, currencies, and smart integrations.

You reach the users big wallets ignore
Your roadmap runs on your terms

Want to launch a new feature? Test a new currency? Integrate a partner? Good luck waiting in line at a third-party roadmap meeting. Your wallet means your timeline, your roadmap, and your call.

Your roadmap runs on your terms

Custom eWallet app development services for every model

No two wallets serve the same purpose. Some need open access, others demand control. Some launch fast with white-label tech, others grow with deep integrations. Whatever your model, we build it around your goals, your users, and your revenue.

Open eWallets

Let users pay anyone, anywhere. Ideal for marketplaces and ecosystems. Full flexibility, full scalability, built with compliance in mind.

Closed eWallets

Keep users inside your payment loop. Perfect for retail, delivery, or gaming apps where repeat transactions and loyalty really matter.

Semi-closed eWallets

Support curated payment networks with controlled reach. A smart fit for partnerships, franchises, and hybrid payment models.

Cryptocurrency wallets

Give your users secure, multi-currency crypto wallets with DeFi-ready features and seamless asset management.

White-label eWallets

Build a wallet you can brand, own, and offer to others. We develop scalable white-label solutions ready for your customers, partners, or platform.

Platform-based eWallets

We partner with trusted eWallet platforms like SDK.Finance to speed up development while retaining full flexibility. Ideal for MVPs or fast-moving teams.

Every missed feature is a lost customer

We build solutions that simplify work and support your growth.

Let’s talk

Our eWallet development solutions for every platform

Native mobile eWallet apps
Cross-platform eWallet apps
Loyalty wallets
Prepaid wallets
Banking apps
P2P payment apps
Contactless wallets
Digital gift cards
Wearable wallet apps
Show all Show less

Building your own eWallet means owning the full value chain. From customer data to revenue flows, the brands winning today are the ones controlling the experience from start to finish. Most wallet projects fail because they were built without a clear business model behind them. At Innowise, we start with growth levers: who pays, how often, and why they’d stay. Everything else is tech in service of strategy.

Siarhei Sukhadolski
FinTech Expert

Choose Innowise for eWallet app development

At Innowise, we understand what makes a wallet worth using. We’ve delivered products for banks, startups, and retailers in different markets and tech environments. That experience shapes everything we do, from day one. If you want an eWallet that’s built to win, we’re already thinking on your level.

The tech that powers our client’s success

Building a great eWallet takes more than clean code. At Innowise, we bring together the right tech, architectures, and compliance tools to deliver secure, compliant, and user-friendly wallet apps that thrive in real markets.

Blockchain & tokenization
We build crypto-ready wallets using Ethereum, Polygon, and other blockchains that feature smart contracts, tokenization, and secure on-chain transaction logic.
Biometric authentication
Secure authentication shouldn’t come at the cost of usability. That’s why we integrate Face ID, fingerprint, and voice recognition to keep access convenient and fraud-resistant.
AI-powered fraud detection
Our ML-driven systems detect fraud in real time, flagging unusual behavior and adapting dynamically as your user base grows.
NFC & contactless tech
We enable tap-to-pay features using NFC, HCE, and QR code tech, built for low latency, POS integration, and secure token exchange.
Microservices architecture
Scalable backends built on microservices architecture support independent feature updates, fast scaling, and smooth third-party integrations.
KYC & AML automation
By integrating tools like Onfido and Sumsub, we enable automated KYC/AML checks, speed up onboarding, and keep your eWallet compliant across regions.

Featured digital wallet development projects

post_img_180963
TV distribution and billing software
Back-end developmentBillingData analyticsFront-end developmentJavaScriptNode.jsPayment
Read more
post_img_155240
Software project documentation: 30% quicker new features implementation
BankingBusiness analysisPaymentWeb
Read more
post_img_154730
Magento 2 migration services: reduced operational costs
Back-end developmenteCommerceFront-end developmentMagentoMigrationPaymentPHP
Read more
post_img_136751
Investment software development: 17% boost in operational efficiency for a prominent bank
.NETAzureBankingC#CRMFinTechInvestment
Read more
post_img_133313
Custom medicine delivery app development
AndroidAPIAWSCloudDesktopDiscoveryHealthcare
Read more
post_img_131352
White-label crowdfunding platform: €50,000 invested in farming
AgricultureBlockchainEcologyJavaScriptNode.jsPaymentWeb development
Read more
post_img_125909
Multi-vendor eCommerce marketplace development: 39% increase in partnership number
.NETAzureBusiness process automation (BPA)C#eCommerceMarketplacePayment
Read more
post_img_121602
83% automated bookings with custom hotel booking software solution
AndroidBookingBusiness process automation (BPA)HoReCaiOSJavaML
Read more
All case studies
Google logo. Hays logo. PayPal logo. Siemens logo. Nike logo. Volkswagen logo. LVMH logo. Nestle logo. Novartis logo. Spotify logo.
Google logo. Hays logo. PayPal logo. Siemens logo. Nike logo. Volkswagen logo. LVMH logo. Nestle logo. Novartis logo. Spotify logo.
Aramco logo Mercedes logo. Costco Wholesale logo. Shell logo. Accenture logo. NVIDIA logo. SPAR logo. Mastercard logo. CVS Health logo. The Walt Disney logo.
Aramco logo Mercedes logo. Costco Wholesale logo. Shell logo. Accenture logo. NVIDIA logo. SPAR logo. Mastercard logo. CVS Health logo. The Walt Disney logo.
Google logo.Hays logo.PayPal logo.Siemens logo.Nike logo.Volkswagen logo.LVMH logo.
Google logo.Hays logo.PayPal logo.Siemens logo.Nike logo.Volkswagen logo.LVMH logo.
Nestle logo.Novartis logo.Spotify logo.Aramco logo.Mercedes logo.Costco Wholesale logo.
Nestle logo.Novartis logo.Spotify logo.Aramco logo.Mercedes logo.Costco Wholesale logo.
Shell logo.Accenture logo.NVIDIA logo. SPAR logo.Mastercard logo.CVS Health logo.The Walt Disney logo.
Shell logo.Accenture logo.NVIDIA logo. SPAR logo.Mastercard logo.CVS Health logo.The Walt Disney logo.

Want to streamline learning and provide the best user experience?

We’ll help you hit your goals and unlock your tech potential.

Contact us

Our eWallet app development process

Planning & discovery
  • Defining business goals
  • Analyzing competitors and trends
  • Outlining features & compliance needs
UX/UI design
  • Creating wireframes and flows
  • Designing mobile and web interfaces
  • Building a design system
Product & development
  • Setting up backend infrastructure
  • Developing mobile/web applications
  • Connecting payment and KYC tools
Testing & QA
  • Running functional and UX tests
  • Performing security and stress tests
  • Testing on devices and browsers
Deployment & launch
  • Preparing app store listings
  • Setting up live environments
  • Providing launch day support
Post-launch support
  • Monitoring user behavior
  • Fixing bugs and updating features
  • Launching promotions and campaigns

Top business use cases for eWallet apps

  • Retail & loyalty programs
  • Banking & FinTech
  • Retail & eCommerce
  • Transportation & mobility
  • Hospitality & travel

Retail & loyalty programs

Digital wallets are redefining how retailers engage with customers, combining payments and personalized offers into a smooth experience. Whether it's a chain of stores or a boutique brand, eWallet apps can drive repeat purchases, support targeted promotions, and simplify loyalty program management.

  • Combined payments and loyalty
  • Location- and behavior-based offers
  • Personalized insights from purchase data
Retail & loyalty programs

Banking & FinTech

Modern banks and FinTechs use eWallets to go beyond traditional services. They want to offer instant transfers, multi-currency support, and seamless onboarding. Whether you're building a neobank or adding wallet features to an existing platform, it's a must-have for digital-first financial services.

  • Instant peer-to-peer and QR code payments
  • Smart spending options
  • Simplified KYC and onboarding
Banking & FinTech

Retail & eCommerce

From global marketplaces to boutique online stores, digital wallets help remove friction at checkout and boost customer loyalty. With features like one-click payments, saved cards, and cashback integration, they’re a powerful tool to increase conversions and repeat purchases.

  • Frictionless checkout experience
  • Integrated rewards systems
  • Flexible multi-currency support
Retail & eCommerce

Transportation & mobility

Whether it’s ride-hailing, scooter rentals, or public transit, eWallets simplify payments on the go. They allow users to top up balances, buy tickets, or pay per ride from one place, without fumbling for cash or cards.

  • Contactless ticketing options
  • In-app pass and subscription management
  • Improved user retention with in-app bonuses
Transportation & mobility

Hospitality & travel

Whether it’s hotel bookings, room service, or duty-free shopping, eWallets can centralize all payments during a trip. Travelers expect smooth, secure transactions in local currency, and your app can deliver just that.

  • Seamless multi-currency and tipping support
  • Unified in-app wallet experience
  • Built-in loyalty and perks system
Hospitality & travel

Our eWallet app development tech stack

Frontend
Backend
Security
Databases
Cloud & DevOps
Frontend
React Native
React Native
Flutter
Flutter
Swift
Swift
Kotlin
Kotlin
React.js
React.js
Vue.js
Vue.js
Backend
Node.js
Node.js
NestJS
NestJS
Java (Spring Boot)
Java (Spring Boot)
.NET Core
.NET Core
Go (Golang)
Go (Golang)
Python (Django, FastAPI)
Python (Django, FastAPI)
Security
JWT
JWT
OAuth 2.0
OAuth 2.0
HSM
HSM
Vault
Vault
Databases
PostgreSQL
PostgreSQL
MongoDB
MongoDB
Redis
Redis
Cloud & DevOps
AWS
AWS
Azure
Azure
GCP
GCP
Docker
Docker
Kubernetes
Kubernetes
Terraform
Terraform
Ansible
Ansible
GitLab CI/CD
GitLab CI/CD
Jenkins
Jenkins
Frontend
React Native
React Native
Flutter
Flutter
Swift
Swift
Kotlin
Kotlin
React.js
React.js
Vue.js
Vue.js
Node.js
Node.js
NestJS
NestJS
Java (Spring Boot)
Java (Spring Boot)
.NET Core
.NET Core
Go (Golang)
Go (Golang)
Python (Django, FastAPI)
Python (Django, FastAPI)
JWT
JWT
OAuth 2.0
OAuth 2.0
HSM
HSM
Vault
Vault
PostgreSQL
PostgreSQL
MongoDB
MongoDB
Redis
Redis
AWS
AWS
Azure
Azure
GCP
GCP
Docker
Docker
Kubernetes
Kubernetes
Terraform
Terraform
Ansible
Ansible
GitLab CI/CD
GitLab CI/CD
Jenkins
Jenkins

Build the best eWallet for your users

We bring the tech, speed, and compliance your product needs to succeed.

Talk to experts

What our customers think

Or Iny CEO Zero Beta
Zero Beta logo

“We are delighted with Innowise's commitment to delivering quality work and solving issues quickly. They lead an engaged approach to understanding the team's needs and accomplishing their goals.”

  • IndustryFinancial services
  • Team size9 specialists
  • Duration12 months
  • ServicesCustom software development
Nonzaliseko Phamane Senior Technology Leader Metropolitan
Metropolitan logo

“Prior to starting our engagement, we had reviewed several IT companies on the market, and none compared to Innowise in terms of cost of service and the calibre of software developers that worked with us on the project.”

  • IndustryFinancial services
  • Team size5 specialists
  • Duration18+ months
  • ServicesSystem architecture review, chatbot & payment processing system development
Alex Friedman CEO Switchbackr Worldwide, Inc.
Switchbackr logo

“They were flexible with my project management requirements, bringing on developers when we needed to double-down. The developers worked super hard, sometimes around the clock with me, to get our project done.”

  • IndustryE-commerce
  • Team size1 specialist
  • Duration7 months
  • ServicesWeb development

FAQ

Businesses should consider eWallet app development because it puts control back in their hands and lets them own every step from payment to loyalty. When your wallet fits your users’ needs perfectly, they keep coming back, boosting revenue and loyalty naturally.

The timeline for building a digital wallet with Innowise usually falls between 4 and 6 months. It really depends on how complex your app is and what features you need. Our goal is to deliver a smooth, secure, and user-friendly wallet that works perfectly, right from day one.

When building an eWallet app, focus on features that make payments easy, fast, and secure. Think seamless onboarding, multiple payment options, and biometrics. Add loyalty perks to keep users coming back. But it’s best to consult experts who know what works and why for your needs.

Innowise develops digital wallets for iOS and Android, web apps, desktop applications, and even solutions for wearables and IoT devices. Just give us a shout, and we’ll help you figure out which platforms suit your needs best.

We can’t give a fixed cost upfront because every eWallet project is different. We won’t sell you a dream or make unrealistic promises. Instead, we’ll work with you to find the best solution that fits your needs, budget, and future goals.

Feel free to book a call and get all the answers you need.

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    After examining your wants, needs, and expectations, our team will devise a project proposal with the scope of work, team size, time, and cost estimates.

    3

    We’ll arrange a meeting with you to discuss the offer and nail down the details.

    4

    Finally, we’ll sign a contract and start working on your project right away.

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