Digital Wallet
Multi-Currency
Total Balance
€24,850.00
€ EUR
£ GBP
$ USD
₿ BTC
+ More
IBAN issuance for each account
Automated KYC at onboarding
Real-time transaction monitoring
Digital asset bridge built in
Digital Wallets · Multi-Currency · IBAN Issuance
Launch a Digital Wallet That Scales
Armenotech's E-Wallet platform gives financial institutions, EMIs, and fintechs the full infrastructure stack to issue digital accounts, hold multiple currencies, automate compliance, and bridge seamlessly to digital assets
Platform Overview
Full-Stack Wallet Infrastructure
The modern e-money account is far more than a place to store funds. Customers expect multi-currency access, instant transfers, digital asset integration, and seamless compliance — all within a branded experience that feels native to your product.
Armenotech's E-Wallet platform delivers that infrastructure as a turnkey, deployable system. From account issuance and IBAN assignment to transaction monitoring, back-office management, and digital asset bridges — the full stack is included.
Built for regulated operators: EMIs, PSPs, banks, and fintech platforms that need to move fast without cutting compliance corners
Armenotech's E-Wallet platform delivers that infrastructure as a turnkey, deployable system. From account issuance and IBAN assignment to transaction monitoring, back-office management, and digital asset bridges — the full stack is included.
Built for regulated operators: EMIs, PSPs, banks, and fintech platforms that need to move fast without cutting compliance corners
Multi-currency accounts in a single wallet
IBAN issuance per account holder
Automated KYC and onboarding flows
Real-time AML transaction monitoring
Digital asset bridge and custody integration
Full back-office and operations dashboard
White-label mobile and web interface
API-first architecture for deep integration
Everything the Platform Includes
Core Capabilities
Six integrated capability layers that cover the complete e-wallet product — from account issuance to digital asset operations
KYC Automation
Automated identity verification via Sumsub at the point of onboarding — document checks, liveness detection, and sanctions screening without manual intervention or compliance delays
IBAN Issuance
Assign a dedicated IBAN to every account holder — enabling direct salary payments, SEPA transfers, and full integration with the European banking ecosystem, right from your platform
Full Back-Office
A comprehensive operations dashboard for your team — covering account management, transaction oversight, compliance queues, reporting, customer support tools, and platform configuration
Digital Asset Bridge
Seamless integration between fiat wallet balances and digital asset custody — allowing customers to hold, send, and receive crypto alongside traditional currencies within the same account
Transaction Monitoring
Continuous real-time AML monitoring across all wallet activity — with automated rule-based flagging, suspicious transaction reporting, and a compliance queue for your operations team
Multi-Currency Accounts
Issue digital accounts supporting multiple fiat currencies within a single wallet. Customers can hold, convert, and transact in EUR, GBP, USD, and more — with real-time FX at competitive rates
Platform Architecture
Two Layers, One Platform
Operator Layer
The Operations Back-Office
A powerful administration dashboard giving your compliance, operations, and support teams full visibility and control across the entire account and transaction base
Account creation and lifecycle management
AML compliance queue and case management
Transaction monitoring and alerts
Regulatory reporting and audit exports
Fee and limit configuration
Customer support and account tools
End-User Layer
The Customer Wallet Experience
A fully branded web and mobile interface for your customers — covering account management, transfers, currency conversion, transaction history, and digital asset interactions
White-label mobile app (iOS & Android)
Account dashboard and balance overview
Send, receive, and convert currencies
Transaction history and statements
Digital asset wallet integration
KYC onboarding flow built in
The wallet delivers distinct experiences for your end users and your operations team — both fully white-labelled and configurable
Compliance Stack
Regulated by Design
Compliance is embedded into the platform architecture — not added as an afterthought
Identity Verification (KYC)
Automated document verification, liveness checks, and sanctions screening via Sumsub at onboarding
AML Transaction Monitoring
Rule-based real-time monitoring of all account activity, with automated suspicious transaction flagging and reporting
Blockchain Risk Screening
On-chain monitoring via Chainalysis and Elliptic for digital asset flows — flagging high-risk addresses before funds are credited
Fraud Detection
Real-time fraud risk scoring powered by Sift — protecting accounts and transactions from fraudulent activity at scale
Who Deploys This
Built for Regulated Operators
The platform is designed for organisations that need to issue e-money accounts at scale, within a regulated framework
Electronic Money Institutions (EMIs)
Full wallet and IBAN infrastructure for regulated e-money issuance
Banks & Financial Institutions
Digital account products for retail and SME customer segments
Payment Service Providers (PSPs)
Add stored value and multi-currency account capabilities to your platform
Fintech Startups
Launch a compliant digital wallet product without building from scratch
Crypto & Web3 Platforms
Bridge fiat and digital assets within a single regulated account