Self_ - Full-cycle IT company: fintech development for banks, insuranc

Peer-to-Peer Platform

Digital Wallet

Modern Payment Solution online banking + e-wallet + crypto wallet

Peer-to-Peer platform offers a modern payment method combining online banking and e-wallet features. Thanks to agents acting as mobile terminals, users get a convenient and accessible way to pay for services, top up balances, withdraw cash, and manage finances from anywhere.

Payment Services

Countries Supported

Referral Income

System Uptime

Web

Responsive

Mobile Apps

iOS / Android

Tablet

Key Features

Unified Payment System

Online banking + e-wallet

Crypto Wallet

BTC, ETH, USDT

Transaction Tracking

Real-time history

Agent Network

Pay In / Pay Out

Account Management

Notifications and security

White-label

Client rebranding

Fiat Wallet

Fund Storage and Management

• Multi-currency accounts (USD, EUR, EGP, etc.) • Instant internal transfers • Real-time transaction history • Virtual cards for online payments • Automatic currency conversion • Push notifications for all operations

Crypto Wallet

BTC, ETH, USDT

• Secure crypto asset storage • Buy crypto with card/wallet • Crypto-to-crypto exchange • Send and receive crypto • Current rates and charts • Cold storage for large amounts

Payments and Services

1000+ Payment Services

• Mobile and internet • Utility bills • Subscriptions and services • Tickets and bookings • Fines and taxes • Templates and auto-payments

P2P Transfers

Instant Transfers

• By phone number • By QR code or wallet address • International transfers • Mass payouts • Money request • Split payments

Agent Network

Pay In / Pay Out

• Cash top-up via agents • Cash withdrawal without ATM • Nearest agents map • Agent commission up to 5% per operation • Statistics and reports • In-app agent training

Referral Program

Passive Income from Referrals

• Up to 5% from referred operations • Multi-level referral network (agents and sub-agents) • Unique referral links • Real-time referral statistics • Automatic commission payouts • Activity bonuses

What is Digital Wallet?

Platform for Launching a Financial Service

Digital Wallet is a secure, convenient solution for managing both digital and traditional currencies, designed to simplify financial transactions and improve user experience.

Platform combines:

Fiat funds wallet
Crypto wallet (BTC/ETH/USDT)
Pay In/Pay Out agent network
Payments, transfers, and bill pay
Referral passive income model
White-label brand adaptation

Pay In Transaction

User wants to deposit money. You earn a commission for each top-up transaction.

Pay Out Transaction

User wants to withdraw money. Cash is given to the client, and you earn a commission.

Your Commission

Up to 5% from each transaction. Funds go to your Agent's Income.

Grow Your Wealth with our Referral Program

Earn from friends' operations — just send them a link.

Agents

Sub-agents

EGP

Income

Account Management

• Registration and login with MFA • User profile creation and management • Account recovery (password reset, security questions) • Intuitive dashboard with quick feature access • Multilingual support • User-friendly interface for navigation and transactions

Payments & Transfers

• Multi-currency support (crypto and fiat) • Real-time balance tracking for each currency • Transaction history with detailed filters • Send and receive funds via QR code or wallet address • In-app currency exchange with current rates • Scheduled and recurring transactions • Receipt generation and sending

Agent Passive Income

• Building referral networks to attract new agents • Earning commission share from all network agents' transactions • Ensuring stable passive income • Network expansion increases income without extra effort • Financial independence through network income

Integrations

• API integration with major crypto exchanges and banks • Integration with popular e-commerce platforms • Loyalty and rewards program management

Technology Platform Advantages

Measurable Digital Wallet implementation results

Transaction Volume Growth

Transaction Volume Growth Quick financial access for users through agent network without queues

Transaction Processing Speed

Compared to traditional ATMs thanks to agent terminals

Service Coverage Expansion

Financial operations access in regions with limited banking infrastructure

3-6

Month integration

Business can implement and adapt the platform in a few months

Offline Mode

Operations via agents without stable internet

Agent Network

A wallet that works even where there are no banks

The agent network model reaches audiences without access to traditional banking infrastructure. • Agents perform Pay In / Pay Out operations • Users withdraw cash without ATM • Agents earn up to 5% per transaction • Ability to build your own agent network • Complete agent and income statistics in-app

Who Is Digital Wallet For

Payment wallet use cases

Neo/Retail Bank

Retail banks for digital transformation

Marketplace

Built-in wallet for sellers and buyers

Central Bank

CBDC and national digital currencies

Utility Providers

Utility and housing payments

Cash-heavy Economies

Financial inclusion in cash-heavy regions

Why Choose Self_CubeAI Wallet?

Instant

Transfers in seconds

Security

Encryption and MFA

Global

Works in any country

Mobile-first

Optimized for smartphones

Branding

White-label solution

Monetization

Referral program

Mobile Application

Intuitive interface designed based on deep user experience analysis. • Quick access to balance and main operations from the home screen • Minimum steps for payments and transfers • Service categorization for quick search • Detailed transaction history with convenient filters • Personalized profile with flexible settings

Cryptocurrency Integration

Expand financial capabilities with secure crypto integration. • Unified balance for fiat and crypto (BTC, ETH, USDT) • Instant crypto-fiat exchange at current rates • International transfers to cards and crypto wallets • Cold storage and multi-factor authentication • Buy crypto directly in the app

Agent Solution and Dashboards

Full-featured agent platform with referral program, income analytics, and convenient dashboards. • Referral program with up to 5% commission from referred agents' transactions • Multi-level agent and sub-agent structure with transparent analytics • Dashboards with detailed weekly, monthly, and yearly statistics • Complete transaction history with filters and search • Invitation tools via link, email, and phone

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