IntraWallet — the bridge between Financial Institutions
Banks, e-wallets and payment providers often live in isolated silos. IntraWallet connects them into a single interoperable network, so money can move between any two participants — instantly, securely and fully reconciled.
- Industry
- Banking, e-money & mobile wallets
- Participants
- Banks · Wallet operators · Payment providers · Micro-finance
- Core role
- Switching, routing, clearing & settlement
- Delivery
- Managed SaaS or licensed on-premise platform
Closed wallets limit everyone
When each bank and wallet only works within its own customer base, users are forced to hold several accounts, merchants must accept many payment methods, and institutions lose transactions they could have processed.
IntraWallet removes these barriers by acting as a neutral hub: each institution connects once and can immediately exchange payments with every other participant on the network.
One connection. Every institution.
Initiate
A customer sends funds from their bank or wallet app.
Validate
Identity, limits, balance and risk rules are checked.
Route
IntraWallet switches the transaction to the receiving institution.
Credit
The beneficiary is credited and both parties are notified.
Settle
Net positions are cleared, settled and reconciled between institutions.
Bank-grade infrastructure, ready to deploy
Interoperable transfers
Wallet-to-wallet, wallet-to-bank and bank-to-wallet payments across all connected participants.
Central switch & routing
A single integration point per institution, with intelligent routing to the right counterparty.
Clearing & settlement
Transaction ledger, net position calculation and settlement reports for every participant.
Security & risk controls
Encryption, strong authentication, transaction limits, fraud rules and complete audit trails.
Operator back-office
Participant onboarding, fee schedules, limits, monitoring dashboards and dispute handling.
Open APIs
Well-documented APIs let institutions and fintechs connect quickly and build new services on top.
Value for every participant
Banks
Reach wallet users and new customer segments without building separate integrations.
Wallet operators
Let users send money beyond their own network, boosting usage and retention.
Regulators & central bodies
A transparent, auditable view of cross-institution payment flows.
End users
Pay anyone, whatever bank or wallet they use — fast and low-cost.
Choose how you run IntraWallet
Flexible commercial options to fit your market, your regulator and your IT strategy.
SaaS — managed service
A monthly subscription that includes hosting operations, maintenance, security updates and support. Fastest time to market, predictable costs.
Licence — on-premise
A multi-year licence to run IntraWallet in your own data centre, with installation, training and on-site support from the Fintech Mate team.
Connect your institution
Planning a national or regional wallet interoperability scheme? Let's talk about deploying IntraWallet in your market.