Solution · Digital wallet
Accounts, balances in several currencies, instant internal transfers, FX and multi-rail payouts, on one ledger, under your brand, through one payment processing API.
How it works
Money arrives from any supported rail, lands in a wallet you control, converts when your customer asks, and leaves by the route that suits the destination. Because it is one ledger, the audit trail is continuous: no stitching statements together at month end.
inbound funds from collections, card loads or digital assets land in the customer wallet.
balances sit per currency on one ledger, visible to you and your customer in real time.
FX quotes are requested, locked and executed between held currencies.
internal transfers settle instantly between accounts in your ecosystem.
bank, card or crypto payout from the same balance, routed by destination.
Capabilities
Hold and report in several currencies per account, without opening a separate product for each one.
Clients, sub-clients, agents and internal float accounts structured the way your business is structured.
Value moves between accounts on the ledger immediately: no rail, no cut-off, no fee leakage.
Quote, lock and convert between held currencies with the rate and margin recorded on the transaction.
Bank transfer, card payout and digital asset withdrawal from one balance and one API call pattern.
Settlement and reconciliation files your finance team can load without a bespoke parser.
Use cases
Your product team owns the interface; we own the money. Accounts are created through the API as your users onboard, KYC status flows through, and balances appear inside your existing app.
Controls
KYC status governs what an account can do. Screening runs in the flow, not overnight. Limits, approvals and monitoring are configured per client segment, and every decision leaves an evidence trail.
Security & complianceFAQ
Yes. Your brand, your interface, your customer relationship. BLK Tech supplies the ledger, rails, FX and controls underneath, and stays invisible to your end users unless you choose otherwise.
Balances are multi-currency on a single ledger, with payouts to bank rails, cards and digital assets from the same balance. Exact currency and corridor coverage depends on your markets and is confirmed during solution design; we would rather commit in writing than publish a number that does not hold for your case.
Yes. KYC status can be fed in from your existing provider and used to govern account capability and limits, or we can work with your compliance team on the flow that fits your licence.
Every credit, conversion, transfer and payout posts to one ledger with a traceable reference. Settlement and reconciliation exports are produced in formats your finance team can ingest directly.
Next step
Bring your currencies, corridors and customer segments. We come back with an architecture, a risk view and an honest timeline.
