Digital Wallet and Financial
Inclusion for Everyone.

UrPay is a comprehensive digital wallet solution that simplifies financial transactions. From bill payments to international remittances, UrPay provides a secure and fast way to manage money without a traditional bank account.

We built the secure backend infrastructure for UrPay, ensuring PCI-DSS compliance and high-level encryption for every transaction. The system handles millions of API calls daily, supporting features like QR code payments at merchant stores, peer-to-peer transfers, and virtual Visa card issuance. A significant part of the project was the integration with local banking switches and government identity databases for instant KYC (Know Your Customer) verification. Our team also developed a fraud detection engine that uses machine learning to identify suspicious activities in real-time, protecting both the users and the platform.

The Security Challenge

Handling sensitive financial data required a zero-trust architecture. We implemented multi-factor authentication and biometric security to ensure that users’ funds are always safe.

• Instant Transfers: Instant peer-to-peer money transfers with zero fees.

• Automated Payments: Automated utility bill payments and mobile top-ups.

• Secure Shopping: Secure virtual cards for international online shopping.