Digital platforms — e-commerce, ride-hailing, telcos, marketplaces, employer platforms — sit on top of enormous user bases and distribution. The opportunity to offer wallets, payments, and credit is obvious.
The problem is execution. Building financial infrastructure from scratch is expensive, slow, and complex. Third-party bolt-ons don’t give you control. Becoming a regulated financial institution isn’t the plan.
The gap isn’t ambition.
It’s the infrastructure to deliver financial services at platform scale.
Ledgers, settlement, KYC, compliance, reconciliation — each one is an engineering project in its own right. Most platforms can’t afford it and shouldn’t need to.
Generic embedded finance tools mean generic experiences. Pricing, limits, flows, and partner rules all get dictated by the vendor — not built for your platform.
Financial logic varies per partner. Different rules, different settlement models, different compliance requirements. Without a composable layer, each one is a bespoke build.
Digital platforms — e-commerce, ride-hailing, telcos, marketplaces, employer platforms — sit on top of enormous user bases and distribution. The opportunity to offer wallets, payments, and credit is obvious.
The problem is execution. Building financial infrastructure from scratch is expensive, slow, and complex. Third-party bolt-ons don’t give you control. Becoming a regulated financial institution isn’t the plan.
The opportunity is obvious. The execution is where most DigiTechs get stuck.
Whether you’re adding a wallet to an existing product, building an embedded lending proposition, or creating a full financial ecosystem — the challenge is the same: deliver financial services at platform quality without building a financial institution.
You have users. You want to give them a wallet — to hold value, pay merchants, receive disbursements. MobiFin’s Digital Wallet gives you production-ready wallet infrastructure that sits inside your existing product. Multi-tenant ledger, AI-powered KYC, consumer and merchant wallet types — deployed in weeks, not months.
You want to offer BNPL, merchant credit, or contextual loans at the point of transaction — without standing up a lending stack. Tapestry lets you compose a governed credit product from reusable building blocks, on top of your existing infrastructure. Eligibility logic, limits, repayment — all configured, not coded from scratch.
You’re a platform with multiple merchants, employers, or ecosystem partners — each needing different payment rules, settlement logic, or product behaviour. Tapestry composes partner-specific financial behaviour from shared governed building blocks. Each partner gets a differentiated experience without duplicating logic or fragmenting governance.
You’re not just embedding a product — you’re building an ecosystem. Financial services, lifestyle services, partner integrations, all within one unified experience. MobiFin’s SuperApp Framework and Engage layer give you the architecture to do this without building every piece from scratch — MiniApps, partner APIs, loyalty, single identity.
For most platforms, every new financial use case means a new bespoke build with different rules, different settlement logic, different compliance controls for each partner. The marginal cost of adding a new partner or use case stays high, and that limits scale.
Tapestry is MobiFin’s composable product assembly platform, powered by AI — built so platforms can compose partner-specific financial behaviour from shared, governed building blocks. No bespoke integration project per partner. No compliance rebuild per market. Compose on top of MobiFin or whatever infrastructure you already have. Each new partner becomes configuration, not a new project.
USE CASES
Pre-built fintech product templates, atomic primitives, and a governed sandbox. Compose and launch without waiting for an infrastructure project.
Everything exposed as a governed, stable API. Channels and partners consume product behaviour — not internal logic.
Deploy on AWS, Azure, GCP, on-premises, or hybrid. No infrastructure lock-in — Tapestry works on top of whatever you already have.
Compliance logic, audit trails, and policy controls are built into the product layer — not bolted on after launch as you scale.
KYC tiers, transaction limits, reporting formats, and audit trails — pre-configured for every market. Expansion without starting compliance from scratch.
Deploy only what you need. Scale only what grows. No monolith, no forced bundling — the platform adapts to your product, not the other way around.
PCI-SSF certified. ECC-256 encryption. MFA and biometric authentication. The security posture enterprise partners and regulators expect.
Built to handle peak transaction volumes at scale — without performance degradation when your user base grows faster than expected.
From adding a wallet to scaling a full financial ecosystem, MobiFin gives platforms the right infrastructure to do it without a custom build for each use case.
Buyer and seller wallets, BNPL at checkout, payment disaggregation across merchants, revenue sharing, and escrow — all without a custom payment stack.
Driver and rider wallets, real-time earnings disbursement, commission and fee logic, cash-in/cash-out — built once, configured per market.
Mobile wallets, airtime credit, bill payment, and agent distribution — extending a telco customer base into full financial services without a new entity.
Farmer wallets, input financing, crop-linked credit, and supply chain payment flows — financial services embedded into the transaction journey, not added on top.
Earned wage access, salary wallets, expense management, and employee credit — financial services delivered through the employment relationship at zero distribution cost.
Financial and lifestyle MiniApps, partner integrations, loyalty and rewards, single identity across the ecosystem — becoming the platform users live inside, not just visit.
Yes — and this is one of Tapestry's primary design principles. Partner-specific financial behaviour is configured from shared, governed building blocks. Each partner gets their own limits, settlement logic, product rules, and flows — without duplicating the underlying infrastructure or fragmenting governance across your platform. New partners become configuration, not a new build project.
No replacement required. Tapestry is designed to compose on top of your existing infrastructure — your APIs, your data layer, your identity system. Digital Wallet and other Classic products also integrate via standard APIs, so they operate as additive financial infrastructure within your platform stack, not as replacements for what you've built.
Tapestry use cases — a partner wallet, a payment disaggregation flow, a BNPL product — can be assembled, tested in the sandbox, and published as a governed API in days. Pre-built product workflow templates and atomic primitives eliminate the build-from-scratch time. Full Digital Wallet deployments run 6–12 weeks from scoping to go-live. AI accelerates assembly and configuration throughout.
Yes. MobiFin's execution engine handles 1,500+ TPS with a 99.9% uptime SLA — built for production volumes at scale. The microservices architecture means you scale only what grows, and performance doesn't degrade as your user base and partner ecosystem expand.
Tapestry supports any financial product that can be expressed as governed workflow logic — partner wallets, payment disaggregation, BNPL, merchant credit, gig worker payouts, loyalty and rewards engines, revenue sharing, multi-party settlement, embedded KYC flows, and more. If the behaviour can be defined, it can be composed. The pre-built template library covers the most common platform use cases out of the box.
MobiFin ships with 20+ pre-configured market regulatory profiles — KYC tiers, transaction limits, reporting formats, and audit trail requirements. When you expand into a new market, you configure against the existing profile rather than rebuilding compliance logic from scratch. Regulatory licensing and compliance responsibility remain with your organisation — MobiFin provides the governance infrastructure to support those obligations.
