Embedded Finance Made Easy

Transform Your App into a Banking Powerhouse

With our plug-and-play wallet APIs, you can offer your users full-fledged digital banking features — without building from scratch. Secure. Scalable. CBN-licensed partners.

Explore Wallet API Integration

The Smart Way to Power Fintech Transactions

Wallet Infrastructure Built for Scale

From digital savings to micro-payments, our Digital Wallet-as-a-Service enables you to build better financial experiences with full compliance and bank-grade security.

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Don’t Build From Scratch - Build With Us

Your Fintech Wallet, Supercharged by Netapps

Launch fast with trusted banking partners, customizable UI/UX, secure APIs, and 24/7 support. Ideal for lending apps, BNPL, payment platforms, and more.

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Digital Wallet-as-a-Service (DWaaS)

Launch, scale, and manage your own branded digital wallet – fast, secure, and bank-compliant

What is Digital Wallet-as-a-Service?

Netapps DWaaS is a plug-and-play API-driven wallet infrastructure that empowers third-party companies - including fintech startups, lending platforms, e-commerce services, and digital apps - to embed financial services and manage user funds without needing a banking license.

Through direct integration with licensed banks like Providus Bank, Wema Bank, and upcoming Sterling Bank, we enable you to offer seamless digital wallet experiences, including peer-to-peer transfers, bill payments, airtime top-ups, virtual account creation, and more — all branded as your own.

Core Features

Virtual Wallet Creation

Instantly create wallets tied to individual users or businesses.
Auto-generate NUBAN-compliant virtual accounts per user.

Bank-Grade Security

All wallet operations run under licensed banking partners.
PCI DSS-compliant and NDPR-aligned infrastructure.

Multi-Channel Transactions

Enable P2P transfers, cash-in/cash-out, savings, loan disbursement, and repayments.
Compatible with USSD, mobile apps, and web platforms.

Bank Integrations

Currently powered by Providus and Wema Bank, with Sterling Bank coming soon..
Real-time settlement and account linkage.

Customizable APIs

Full RESTful API documentation for quick onboarding.
Modular integration options for KYC, notifications, and analytics.

Admin Dashboard

Track user transactions, balances, and wallet activity in real-time.
Role-based access controls for your support and finance teams.

Benefits at a Glance

Speed to Market
Deploy your wallet product in days, not months, with our developer-friendly APIs.
Regulatory Peace of Mind
Operate under CBN-compliant banking licenses through our partnerships.
Own Your Experience
White-label everything — UI, branding, user onboarding, and wallet logic.
Flexible Monetization
Earn on transactions, fees, referrals, and more - build your own revenue streams.
Scalable Architecture
Supports millions of wallets and concurrent transactions across channels.

Use Cases

Fintech Apps
Offer secure wallets for savings, loans, BNPL, and micro-finance operations
E-commerce Platforms
Let users fund accounts, earn loyalty credits, and pay with stored value.
Lending & BNPL Services
Manage disbursements and repayments digitally via wallet rails.
Crowdfunding & Cooperative Systems
Manage member contributions, disbursements, and earnings efficiently.
B2B Marketplaces
Enable escrow, split payments, and merchant wallets with full control.

Tech Stack & Integrations

RESTful APIs & Webhooks

JSON & HTTPS communication

Integration with core banking APIs

(Providus, Wema, Sterling)

Support for additional modules:

KYC, Payments, eMandates, Fraud Detection

Ready to Launch Your Wallet?

Whether you're building a digital bank, launching a payment app, or embedding financial tools into your business, Netapps Digital Wallet-as-a-Service gives you the tools, security, and speed to succeed.

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