A complete digital wallet infrastructure designed specifically for community financial institutions. Deliver modern banking experiences while maintaining full control and compliance.
All products accessible from one seamless interface
Native apps and responsive web experience
Completely customized to your institution's brand
Regulatory requirements handled automatically
The future of autonomous transactions is here. AI agents tied directly to wallets and accounts, enabling seamless, intelligent commerce on behalf of your consumers.
AI agents securely linked to consumer wallets and accounts with granular permission controls. Agents act on behalf of users while maintaining full security and compliance.
AI agents execute payments, investments, and transfers based on consumer-defined rules and preferences. Smart commerce that runs 24/7 without constant supervision.
Consumers set spending limits, transaction types, and approval workflows. AI agents operate within defined boundaries with real-time monitoring and override capabilities.
Deploy Wallet infrastructure however it works best for your institution and consumers
Seamlessly integrate Wallet capabilities directly into your existing digital banking platform. Your consumers never leave your environment.
Launch a dedicated Wallet app or web experience as a companion to your core banking services. Perfect for new product launches.
Integrated with leading providers across banking, payments, technology, and blockchain
Wallet delivers all four BankSocial products in one seamless consumer experience
Investment & Digital Assets
Enable consumers to invest in stocks, ETFs, and digital assets directly through your institution. Full brokerage capabilities with compliance built-in, self custody crypto wallets, and real-time portfolio tracking—all within the Wallet experience.
Payments Hub
Unified payments across ACH, RTP, FedNow, wire, card networks, stablecoins, and digital rails. P2P transfers, bill pay, request money, scheduled payments, tokenization, and merchant services— all orchestrated through a single, elegant consumer interface.
Fraud Protection & Recovery
Real-time fraud detection, prevention, and recovery tools embedded in every transaction. Consumer-facing dispute resolution, automated claims processing, chargeback management, and scam protection—keeping your consumers and institution safe.
Identity & Account Opening
Streamlined digital account opening for personal, youth, and business accounts. KYC/AML compliance, portable identity, identity verification, document collection, decisioning workflows, and account provisioning—onboard new consumers in minutes, not days.
Granular controls that protect your consumers and your FI—without sacrificing the modern experience they expect
Set daily, weekly, and monthly limits by user type, account type, and product. Separate limits for Youth, Adult, and Business accounts.
Youth accounts with parental oversight, spending limits, and restricted access. Automatic graduation to adult features at configurable age thresholds.
Built-in KYC, AML, and BSA compliance. Automated reporting, audit trails, and configurable workflows that meet federal and state requirements.
Velocity checks, pattern detection, and real-time fraud monitoring. Configurable risk thresholds integrated with Secura for immediate response.
Turn products on/off by account type. Launch Prospera for adults only, enable Remint for all users, or restrict features by membership tier.
Multi-level approval processes for high-risk transactions. Route Business account requests through Nuron for employee review before execution.
Fully white-labeled to match your institution's brand identity and consumer expectations.
Choose which products to enable, set limits, and configure experiences for your consumers.
Deploy in weeks, not months. Start with one product and expand as your strategy evolves.
Every AI-powered feature in the Digital Wallet—from agentic commerce to personalized recommendations—is fueled by Substrate, BankSocial's side core for tokenized deposits and digital assets. Your consumers get intelligent experiences grounded in your institution's governed data and multi-cloud AI infrastructure.
