One place for
everyday
money.
A universal, open-banking consumer experience that brings accounts, mobile money wallets, cards, payments and financial products into one trusted app - see money, move money, understand money and grow it.
White-labeled to your brand, built on bank-grade infrastructure.
The consumer ecosystem
More than a banking app. A financial control centre.
Move customers from single-product engagement to an everyday money interface - consolidating banking, mobile money, payments, insights, savings, credit, insurance and partner services into one trusted, white-labeled experience.
Unified financial view
One view of money, across everything.
A consolidated view of accounts, linked wallets, cards and selected products - starting with bank accounts and mobile money, then cards, savings, credit and partner services, with consent-based data sharing.
- Clearer view of available money
- Less switching between apps
- Consent-based data aggregation
- One financial control centre
Payments & transfers
Send, pay, scan - across every rail.
Send money, pay bills, buy airtime, scan QR and transact across every supported rail - GhIPSS/GIP, GhQR, cards and mobile money - reconciled in real time.
- Send money and transfers
- Pay bills and buy airtime
- Scan-to-pay with QR
- Across bank, wallet and card rails
Mobile money aggregation
Every wallet, one experience.
Connect mobile money wallets into a single experience, engaging customers well beyond bank-only users - reaching the unbanked and underbanked through the rails they already use.
- Aggregate every major wallet
- Move between bank and wallet
- Reach unbanked and underbanked users
- Local network integrations (MTN MoMo and more)
Virtual cards
Cards, issued in an instant.
Secure digital commerce and subscriptions via wallet-funded or account-linked virtual cards - with controls and limits, issued instantly for local and international payments.
- Wallet- or account-funded cards
- Digital and international payments
- Controls and spend limits
- Instant issuance
Spending insights
Understand money, not just move it.
Turn transaction data into budgets, alerts and plain-language guidance - so customers see where money goes, plan ahead and feel more confident before they spend.
- Spending categories and budgets
- Useful, timely alerts
- Affordability guidance
- Financial-health prompts
AI-assisted service
An assistant inside the app.
Ask questions, find transactions, understand affordability and discover relevant products - an AI assistant that makes everyday money simpler to manage and easier to grow.
- Natural-language help
- Find any transaction
- Affordability insight
- Product discovery
Bank-grade foundation
Built on infrastructure banks trust.
The consumer app runs on VantagePay's Unified Architectural Framework and Paytree gateway - a secure, scalable, API-first foundation, skinnable to your brand and deployed on a private PCI DSS cloud.
- PCI DSS Level 1 and ISO 27001
- Azure private cloud - SIT, UAT and Production
- Microservices, failover and geo-redundancy
- API-first, white-labeled to your CI
The customer journey
Start simple. Build trust. Expand value.
Easy onboarding, useful daily activity, and the progressive introduction of deeper products - each step delivering value for the customer and the bank.
Simple digital onboarding with mobile-number verification and Ghana Card / KYC where required.
Connect accounts, mobile money wallets, cards and payment methods into one place.
Everyday needs - bills, airtime, transfers, QR payments, virtual cards and history.
Insights, alerts, spending categories, budgets and financial-health prompts.
Savings, credit, insurance and partner offers introduced when relevant.