xpWallet is a company with a global perspective, but a keen customer focus to ensure an enhanced and comprehensive digital experience. The company's Next Generation mWallet products and mobile wallet payment solutions focus on delivering software to financial institutions and payment processors in Asia Pacific, Africa, Europe, the Middle East and the Americas. xpWallet is a next generation mWallet consists of a rich set of products, Core Mobile Money platform, mWallet Enterprise Suite and Xpert Analytics Engine; including Merchant Payment, Bill Payment, Promotion Engine, Pay Parking, Survey, Merchant Deals, School Fee, etc.

1. next generation mWallet
Mobile Wallet Solution

2. What is an mWallet?
mWallet/Mobile wallet is a software application that
holds a user's financial information and let him do bank
like transactions i.e. Deposit, Withdraw, Fund Transfer,
Balance Enquiry, etc.
It is legal and regulated by Reserve Bank of the country or some
governing authority.
It is secured. All the transactions are validated, authenticated and
authorized. The data resides on server. Communication between
client and server is encrypted.
It can be accessed through a basic phone using USSD and SMS.
It can be linked with user's bank and credit card companies.
It is mostly issued by Banks, Telcos or some financial institutions

3. xpWallet: Overview
A complete end-to-end mWallet solution.
Suitable for telcos, banks, financial
institutions or companies willing to offer
mWallet services to their users.
A large range of financial services targeted
for retail sector.
The products cover different aspects of
users’ financial and expenditure behavior.
Can be accessed through different devices
and platforms.

4. How xpWallet is different?
It is your next generation mWallet with more products compared to other
mWallet solutions.
It has a rich set of products, like: Merchant Payment, Bill Payment,
Promotion Engine, Pay Parking, Survey, Merchant Deals, School Fee, etc.
It enables you to add as many languages as you want to give personal
touch, increase end-user experience and build confidence.
It supports more than 150 currencies simultaneously;
useful in the countries where local currency is in
practice or non-base currencies are also accepted. Now you can
integrate your solution with many partners in the world.
It can be accessed through Phone, Web, ATM, POS and supports different
platforms i.e. USSD, SMS, NFC, J2ME, Android, iPhone, BlackBerry
platforms.
It is very secure, each access to the mWallet is recorded, user sensitive
data is encrypted. No data is stored on user’s device.

5. How xpWallet is different?
It can perform more than 100 transactions per second on a
single machine.
GUI is user friendly and make user feel good. It also saves
cost of training employees.
User Dashboard, customized alerts, and detailed business
reports make a user’s life easy.
Open APIs for Banks, Telcos, Merchants, Utilities Companies, etc. make
integration smooth and saves cost maintaining multiple software.
Its Decision Support System provides analysis of the live data and helps top
management to make better decisions.
Fully customizable and flexible KYC can meet regulators’ requirement
without making any changes in the code.
Highly configurable commission structure like slab-wise, percentage, fixed.
It can be separately linked with different user profiles.

6. xpWallet: What it can do?
Provides standard mWallet financial services
CashIn
Allows a user to deposit money into his mWallet through network of agents. This
money is called as eMoney.
CashOut
Allows a user to withdraw money from his mWallet through network of agents/ATM by
paying some service fee (service fee is optional).
Fund Transfer
Allows a user to transfer eMoney to another mWallet user.
Balance Enquiry
A user can check his current balance.
Change PIN
A user can change his transaction PIN.
Last 5 Transactions
A user can check his last 5 or some specified transactions.

7. xpWallet: What it can do?
Attract more users, make their life easy
Merchant Payments
Now a user can pay at merchant outlets using
smart phone, NFC phones, POS machine.
Bill Payment
A user can register different billing companies. The system will keep him
informed to pay the bills on time. A user can see history on the Web for all the
payments made to any of the billing companies.
Merchant Deals
Invite your channel partners and merchants to promote their products to
mWallet and non—mWallet users. Win-win situation for all the parties in the
system.
Promotion and Loyalty
Keep your customers and channel partners motivated to do more transactions
and let them earn points. It saves your marketing expenses.

8. xpWallet: What it can do?
Keep your users connected
mTopUP
Allows a user to top-up self, relative or friend’s mobile of different telcos at any
time, anywhere from his mWallet. If the solution is hosted with a Telco, then it
functions as a complete mobile TopUp system.
Internet Data Plan
Different telcos can setup their data plans in the system and user can choose
the best plan according to his needs.
Survey
Know your users behavior, listen to them, keep them
visiting you. Users do not need to have mWallet to
participate in the Survey.
World-of-WiFi
Instant access to the Internet– no need of cyber cafes.
Per second billing and controlled usage. Be the first to capture the market!

9. xpWallet: What it can do?
Let your users recommend you
Money Order
An mWallet user can send money to his family members, friends, relatives who
do not have mWallet.
Pay Parking
Tell your users not to keep coins in the pocket! The system
can also send alerts to user for the duration he parked the
car. The parking owner can setup flat, entry based or time
based fee to be charged from users.
Subordinate Wallet
Your channel partners or merchants can authorize their own subordinates to do
transactions and owner user can track each subordinate individually.
School Fee
A user can pay school fee for his children and other children studying in school
or college.

10. Contact us
Have any questions? Please let us know:
Email: enquiry@xpWallet.com