Bank-grade digital wallet SaaS

Power a complete digital financial ecosystem.

TRAPAY-ECOSYS is TRACOM IT’s bank-grade XWallet SaaS platform helping banks, financial institutions and fintechs launch, brand, operate and monetize secure digital wallets, real-time payments, merchant services, agent banking, bill payments, remittance and ecosystem integrations.

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SaaSmulti-tenant ready
24/7real-time payments
ISOstandards aligned
APIintegration first
Multi-bank SaaS ecosystem control plane
TRAPAY-ECOSYS
Banks
Microfinance
MNOs
Fintechs
Billers
Bank scopetenant, brand & rules
Channelscustomer & partner-ready
IntegrationAPI, ISO & switch ready
Platform overview

Not just a wallet. A complete bank-owned operating ecosystem.

TRAPAY-ECOSYS gives each subscribing bank its own secure operating scope inside a shared multi-bank SaaS platform. The bank can manage customers, agents, merchants, transactions, controls, settlement, compliance and financial operations under its own brand.

The platform combines wallet services, agency banking, merchant acceptance, bill payments, remittance, settlement, compliance, fraud controls, auditability and revenue management in one integrated environment.

White-labeled portalsMobile-app ready APIsCore banking APIsMerchant acquiringAgent bankingBill paymentRemittanceQR paymentsReconciliationFX-ready

Real-Time Payments

P2P, P2M, QR, bill pay, remittance, card-to-wallet and cash services with instant customer experience.

Bank-Grade Controls

Role-based administration, audit trails, KYC workflows, maker-checker approvals, limits and fraud monitoring.

Modular SaaS

Launch quickly, configure bank-specific branding and rules, then enable modules progressively.

Interoperability

Connect to banks, MNOs, national switches, payment systems, IPS rails, billers and ecosystem partners.

Core modules

Everything required to operate a wallet ecosystem

Designed for banks and fintech operators who need a controlled, scalable and revenue-generating platform across customers, agents, merchants, billers and ecosystem partners.

Wallet & Cardholder Management

Customer onboarding, wallet lifecycle, account linking, aliases, PIN/passcode controls, transaction history and digital card services.

P2P, P2M & QR Payments

Peer transfers, merchant payments, standardized QR acceptance, off-us/on-us routing and real-time authorization.

Merchant & Agent Network

Merchant onboarding, agent banking, cash-in/cash-out, float management, liquidity supervision and commission management.

Bill Payment Ecosystem

Billers, services, bill enablement, assisted payments and direct wallet bill payments.

Fees, Revenue & Settlement

Configurable SaaS, bank, merchant and agent fees with settlement batches and revenue reporting.

Disputes, Fraud & Reconciliation

Case management, fraud signals, daily reconciliation, exceptions, matching and operational auditability.

Architecture

A secure SaaS operating model with enterprise integration layers.

TRAPAY-ECOSYS supports cloud, on-premise or hybrid deployment models. The platform separates channels, bank operations, payment processing, ledger services, compliance controls and ecosystem integrations.

Customer AppAgent PortalMerchant PortalBank Admin
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TRAPAY-ECOSYS SaaS CoreWallets • Payments • Agents • Merchants • Billers • Remittance • Fees • Reconciliation • Fraud
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Core BankingMNOsNational SwitchIPSBillersPartners
Security foundation: tenant isolation, RBAC, audit trails, encryption, monitoring, backup and DR readiness
Use cases

Built for banks, fintechs and financial ecosystems.

TRAPAY-ECOSYS can be positioned as a bank-owned wallet, agency banking network, merchant acquiring platform, remittance corridor, bill collection engine or interoperable ecosystem hub.

Bank Digital Wallet

Launch a branded wallet for customers with P2P transfers, QR payments, bill payments and transaction history.

Agent Banking Network

Extend last-mile access using agent onboarding, float supervision, cash-in/cash-out and assisted services.

Merchant Acceptance

Enable merchant QR, collections, settlement, fees and e-commerce checkout readiness.

Interoperable Ecosystem

Connect with MNOs, national switches, IPS, banks, billers and fintech partners through APIs and standards-ready interfaces.

Business capabilities

A bank-facing SaaS platform built for ecosystem growth

Supports the full operating model of a wallet-led financial institution, from customer channels to operations, compliance, liquidity, settlement and monetization.

Branded Digital Channels

White-labeled customer, agent and merchant portals aligned to the bank’s identity, with API-first readiness for native mobile apps.

Wallet & Payment Services

Wallet-to-wallet transfers, merchant payments, QR payments, cash services, transaction history and interoperable flows.

Financial Governance

Fee, commission, tax, revenue management, settlement control, reconciliation, GL-ready postings and operational finance visibility.

Risk & Compliance

KYC workflows, approval queues, fraud policies, alert policies, dispute management, audit trails and operational risk oversight.

Interoperability readiness

Designed beyond a closed wallet model.

The platform is built for connection with broader financial ecosystems so banks can expand services across digital channels, partner networks and national payment infrastructures.

BankMNOIPSSwitchBillerPartnerTRAPAY
ISO 20022Structured financial messaging and modern payment integration.
ISO 8583Card, switch and transaction messaging environments.
REST APIDigital channels, fintechs, banks and ecosystem partners.
SandboxControlled partner onboarding, testing and integration validation.
Security & compliance

Designed for regulated financial environments.

Secure by design, auditable by default and ready to align with evolving payment standards and interoperability frameworks.

Strong governance

Role-based access control, maker-checker workflows, tenant isolation and full audit trails.

Transaction control

Limits, OTP, fraud rules, risk signals, exception handling and dispute workflows.

Operational resilience

Monitoring-ready architecture, reconciliation controls, backups, DR alignment and scalable infrastructure.

Website CMS-ready

Easy to evolve for marketing and product updates

This package includes a configuration file and language toggle so key content, CTA labels and contact details can evolve without changing the design foundation.

Editable Content

Update product name, slogan, CTA labels and contact details from js/trapay-config.js.

Brand Assets

Logo variants are stored under images/trapay/ for light, dark and transparent usage.

Bilingual Website

English and French toggle ready for bank-facing demos and regional presentations.

Request demo

Ready to launch, brand and monetize your digital wallet ecosystem?

Use TRAPAY-ECOSYS to move quickly into wallet services, agency banking, merchant payments, remittance, bill collections, interoperable digital payments and ecosystem integration — while maintaining regulated bank-grade control.

Send your request to[email protected]
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