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Launch a Secure, Custom Wallet in Weeks
Build and scale your own branded wallet - fiat, crypto, or both. FinLego’s Wallet-as-a-Service lets you go live fast with ready-to-use infrastructure and full compliance built in.
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What Is
Wallet-as-a-Service?
It is a turnkey infrastructure that lets businesses create, launch, and manage digital wallets under their own brand. It replaces the need for building a wallet system in-house - with APIs, compliance tools, and banking integrations ready from day one.

With FinLego, you can offer users multi-currency wallets, crypto storage, P2P transfers, payment rails, and account management - all within a secure and customizable platform.
Everything You Need to Power a Modern Digital Wallet
Accounts & IBANs
  • Dedicated IBANs: Give users real IBANs linked to their wallet balances.
  • Pooled Wallets: Track individual sub-balances on a pooled account with full ledger transparency.
Money Movement
  • SEPA & FPS: Enable instant Euro and GBP transfers within your wallet app.
  • SWIFT: Let users send and receive funds globally with built-in SWIFT support.
Crypto Wallets
  • Custodial: Offer secure, regulated crypto wallets managed by licensed custodians.
  • Non-Custodial: Let users hold their own keys while maintaining compliance visibility.
Currency Exchange
  • On-Ramp/Off-Ramp: Convert fiat to crypto and back via built-in liquidity partners.
  • Internal FX Engine: Enable real-time currency swaps inside user wallets with transparent fees.
Compliance Stack
  • Digital Onboarding: KYC/KYB checks using biometric and document validation tools.
  • AML Monitoring: Flag suspicious wallet activity, with rules tailored to fiat and crypto.
  • Risk Scoring: Behavior-based analysis of wallet activity for fraud prevention.
Wallet UX & Management
  • Branded UI Toolkit: Use our white-label interface or build your own with our APIs.
  • Transaction History: Full ledger history, download/export, tagging, and filtering.
  • Pricing Engine: Define fees, markups, and spreads across wallet features.
Who Benefits from a Wallet-as-a-Service?
Neobanks & Digital Wallets
Offer users multi-currency wallets, payment capabilities, and in-app account management - all without needing to build backend systems.
Crypto Platforms
Enable fiat-to-crypto and crypto-to-fiat functionality with real wallets, on/off ramps, and risk-managed custody built in.
Remittance & Cross-Border Apps
Launch wallets that make sending money across borders easier and cheaper - with live FX, smart fees, and real-time settlement.
Embedded Finance Products
Embed wallet features directly into your existing product - be it a SaaS platform, or lifestyle service with full control and compliance.
A Better Wallet Stack for Faster Launch and Easier Scaling
  • Built for Customization
    Whether you want to launch a simple fiat wallet or a crypto-enabled super app, FinLego adapts to your needs. Use only the modules you need - accounts, payments, FX, crypto, or all of them.
  • Fast Time to Market
    Launch your branded wallet in weeks, not months. Our infrastructure is pre-integrated with payment networks, custodians, and compliance providers - so you can skip the setup phase.
  • Fiat and Crypto, Natively Integrated
    Offer your users both fiat and digital asset wallets within one unified experience. Seamlessly combine SEPA, FPS, and SWIFT with crypto custody and swaps.
  • Security & Compliance Handled
    You don’t need your own license or in-house compliance team. We provide onboarding, AML, transaction monitoring, and ongoing risk control as a service.
  • Built-in Ledger System
    Track balances, transactions, and internal transfers in real time with a robust ledger system that supports pooled or individual wallet models.
  • Scalable, API-Driven Architecture
    Our APIs are designed to support millions of users. Scale from MVP to enterprise with confidence, while maintaining full control of the experience.
Trusted by Fintech Builders Worldwide
Julius N.
Founder
We used FinLego to launch a wallet app with EUR, GBP, and BTC wallets. Their team handled everything from onboarding to custody - it saved us at least 6 months of work.
Maya V.
Head of Product
We were able to go from concept to launch in under 45 days. The modular setup and full crypto-fiat integration was exactly what we needed.
Dmitri S.
CTO
FinLego’s wallet system is miles ahead. The compliance, the ledger visibility, the APIs—all of it just works. We trust them completely.
Enterprise-Grade Protection for User Funds and Data
  • Data & Platform Security
    • Encrypted data storage and transfer
    • API access control with token rotation
    • Cloud-native hosting
    1
  • Regulatory Compliance Built-In
    • KYC/KYB onboarding with document verification and PEP/sanctions screening
    • Ongoing AML transaction monitoring with custom rule logic
    • Configurable fraud detection thresholds and velocity alerts
    2
  • Audit & Reporting
    • Real-time ledger exports and transaction logs
    • Audit trails across all wallet actions
    • Automated compliance reports for regulated partners
    3
From Idea to Wallet in 5 Steps
Define the Wallet Scope
Decide what features you need: fiat, crypto, P2P, cards, etc.
Pick Your Setup
Choose custody, payments, and onboarding models with our help.
Customize Your UI
Use our white-label interface or integrate via API.
Test & Validate
Run flows, test KYC, and simulate transactions in a sandbox.
Launch to Market
Go live under your own brand - secure, scalable, and compliant.