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Bilişim
FintechFinancial InfrastructureMulti-Tenant Platform

Multi-tenant digital wallet infrastructure

A payment technology company that offers a white-label digital wallet platform to an ecosystem ranging from banks and fintechs to retail giants and public institutions. The API-first, microservice-based platform, with its multi-license structure and full compliance with local regulation, cuts time to market radically.

simulation
SharedcoreTenant 1Tenant 2Tenant 3Tenant 4Tenant 5Tenant 6
  1. 1/4One shared core: a single code base, data and rules isolated by tenant context.
  2. 2/4New tenants are opened by configuration — a parameter set, not a project.
  3. 3/4Noisy neighbour: one tenant spikes, its quota kicks in; the others never notice.
  4. 4/4450+ institutions, 65 million users, 3 billion transactions a day — from the same core.
65M+
Active end users; 3 billion+ transactions a day
450+ organizations
50+ financial institutions, 400+ corporate clients
100%
Corporate client retention over the last 5 years

Problem

High barrier to entry
Building a secure, compliant wallet infrastructure from scratch took years of development and certification.
Regulatory complexity
Country-level central bank regulations, KYC/AML requirements and local payment schemes.
Integration gaps
Real-time integration with card issuing, loyalty and fraud monitoring platforms was missing.

Solution

Modular business models
B2C, B2B and closed-loop wallet models on one platform, by parametric setup.
Advanced transaction core
Multiple sub-accounts and currency balances, QR payments (P2M/P2P) and instant fund transfers built in.
Real-time fraud control
Hundreds of scenarios checked in real time; fully integrated with national payment systems.

Technical notes

  • API-first microservices
  • Multi-tenant isolation
  • Multi-currency sub-account ledger
  • Real-time fraud rule engine
  • National payment system adapters
  • Organization integration via SDK/API

Related services

What comes next

Live references under the Wallet-as-a-Service model include bank-owned fintech subsidiaries, a public digital banking program targeting millions of SMEs and a fuel retailer with 2,000+ stations.

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