The digital wallet revolution is no longer on the horizon—it's here. With the global digital wallet market valued at $2,140.18 billion in 2023 and projected to reach $7,857.70 billion by 2030, growing at a CAGR of 20.58%, businesses can’t afford to ignore this shift. Today, having a mobile wallet isn’t just a convenience; it’s a competitive necessity.
However, building a custom wallet from scratch demands significant time, technical expertise, and capital. That’s where white label wallet solutions come in—offering a faster, cost-effective path to launching a fully functional, branded financial app without compromising on security or scalability.
In this guide, we’ll explore the top white label digital wallet providers shaping the FinTech landscape in 2025, along with key selection criteria and real-world benefits to help you make an informed decision.
What Is a Digital Wallet?
A digital wallet is a secure mobile or web application that enables users to store funds, make payments, manage transactions, and link to bank accounts—all from a single interface. These wallets provide real-time financial tracking, intuitive dashboards, and seamless integration with payment gateways and banking systems.
While developing a custom wallet offers full control, it often takes 10–20 months and requires large development teams. In contrast, white label wallet solutions come pre-built with core functionalities—KYC/AML compliance, encryption, multi-currency support, and API integrations—allowing businesses to launch in as little as 3–4 months.
👉 Discover how fast you can launch your branded digital wallet with the right partner.
How to Choose the Right White Label Wallet Provider
Selecting the right provider is critical for long-term success. Consider these nine key factors before making your decision:
1. Customization Flexibility
Your brand identity matters. Ensure the solution allows full UI/UX customization—logo, color schemes, dashboard layout, and feature set—so your wallet feels unique and aligned with your business.
2. Proven Track Record
Review case studies, client testimonials, and third-party reviews on platforms like Clutch or Trustpilot. A provider with experience in banking, neobanking, or FinTech integrations brings invaluable domain knowledge.
3. Ongoing Technical Support
Launch is just the beginning. Choose a partner that offers continuous maintenance, security updates, and scalable support packages tailored to your growth stage.
4. Integration Capabilities
Your wallet must connect seamlessly with payment processors, banking APIs, CRM tools, and fraud detection systems. Look for providers with extensive pre-built connectors.
5. Cross-Platform Compatibility
Ensure the solution supports iOS, Android, and web platforms with responsive design for consistent user experience across devices.
6. Transparent Pricing Model
Avoid hidden fees. Opt for flexible pricing based on features added rather than rigid subscription tiers. This allows startups and enterprises alike to scale efficiently.
7. Source Code Access
Decide whether you want full ownership of the source code or prefer a licensed SaaS model. Owning the code gives you long-term control and independence.
8. Security Standards
Prioritize providers with bank-grade encryption, two-factor authentication (2FA), anti-phishing protocols, and compliance with PCI-DSS, GDPR, and PSD2 regulations.
9. Scalability & Performance
As your user base grows, your wallet must handle high transaction volumes without latency. Cloud-native, microservices-based architecture ensures smooth scaling under load.
Top 15 White Label Wallet Providers in 2025
Based on functionality, security, customization, and market reputation, here are the leading white label digital wallet solutions to consider this year.
#1 RNDpoint – Comprehensive Digital Wallet Software
RNDpoint delivers end-to-end digital wallet development powered by proprietary low-code technology (ProcessMIX), reducing development time to just 3–4 months—up to 70% faster than traditional methods.
With over 250 developers and clients including Danske Bank and TBC Bank, RNDpoint offers:
- Full KYC/AML compliance across jurisdictions
- High-throughput transaction architecture
- Branded UI with full customization
- Seamless bank and gateway integrations
- Support for neobanks, remittance services, and e-commerce
Ideal for institutions seeking rapid deployment without sacrificing control.
👉 See how low-code acceleration can transform your wallet launch timeline.
#2 4IRE – CryptoBank Software
Specializing in crypto banking, 4IRE enables businesses to launch branded custodial wallets in under two months. Their white label solution includes:
- Personalized user dashboards
- Centralized account management
- Web and mobile access
- Adaptive UX design
- Full admin configurability
Used by Ondo Finance and Loop Wallet, 4IRE combines speed with enterprise-grade security.
#3 ProcessMIX
A powerful low-code platform that accelerates backend development by up to 3x while cutting costs by 50%. ProcessMIX supports visual modeling, decision tables, and robust version control—perfect for customizing white label wallets rapidly.
#4 Velmie
This cloud-native platform offers modular digital banking infrastructure ideal for customizable wallets. Based in the US with global offices, Velmie supports secure API integrations with top financial partners.
#5 Cellum
Headquartered in Hungary, Cellum offers two white label options:
- Mobile Next: Standalone customizable wallet app
- Plug&Pay: SDK integration for existing apps
Supports all major payment methods and mobile platforms across Europe and Asia.
#6 Wallet Factory
With 70+ developers and 45+ live wallets serving over 5 million users globally, Wallet Factory provides:
- Proprietary mobile payment engine
- eWallet ledger system
- QR-based merchant POS solutions
Serves telecoms, retail banks, and FinTech startups.
#7 Obopay
US-based Obopay offers a feature-rich virtual wallet supporting:
- Virtual cards and cardless ATM withdrawals
- Airtime top-ups
- Bill payments
- Group savings accounts
- P2P transfers and international remittances
Affordable and compliant with US financial regulations.
#8 Mangopay
Luxembourg-based Mangopay powers marketplaces and sharing economy platforms with:
- Multi-currency wallets
- Automatic payouts
- Escrow services
- Secure fund storage
Trusted by over 2,500 businesses across EU and Africa.
#9 Innowise
With 1,000+ developers, Innowise specializes in crypto wallet development for both centralized exchanges and DeFi applications. Offers offline (cold) and online (hot) wallet options with multi-currency support.
#10 FortuneSoft IT Innovations
California-based FortuneSoft delivers AI-driven white label solutions across blockchain, cloud, and analytics. Their wallets emphasize transparency, scalability, and advanced cybersecurity.
#11 HashCash Consultants
Offers bank-level secure crypto wallets with features like SegWit, BIP-32 encryption, Firebase integration, and location-specific KYC. Supports iOS, Android, and web versions.
#12 Idealogic
Ukrainian-Estonian firm providing white label solutions for crypto banks, DeFi platforms, smart contracts, and stablecoin development—ideal for blockchain-first ventures.
#13 Zab Technologies
Indian provider offering custodial and non-custodial wallets with NFT support, multi-chain compatibility, and desktop/mobile/web access—great for startups entering Web3.
#14 Blockchain App Factory
With 250+ blockchain experts, this India-based team builds wallets featuring multi-factor authentication, encrypted storage, and user-friendly interfaces across platforms.
#15 LeewayHertz
US-based LeewayHertz offers Mosaic—a multi-chain, multi-currency wallet with advanced security and sleek UI/UX design—perfect for enterprises aiming for premium user experiences.
Frequently Asked Questions (FAQ)
Q: How do I pick a trustworthy white label digital wallet provider?
A: Evaluate their track record, security measures, customization options, technical support, and integration capabilities. Always review independent client feedback before committing.
Q: Can I customize the white label wallet to match my brand?
A: Yes—top providers allow full branding of the UI/UX, including logos, colors, fonts, dashboard layouts, and even feature toggles to align with your business model.
Q: Do these solutions support multiple languages and currencies?
A: Most leading platforms offer multi-language interfaces and support major fiat and cryptocurrencies—essential for global scalability.
Q: Are white label wallets secure?
A: Reputable providers implement end-to-end encryption, biometric login, 2FA, anti-fraud systems, and compliance with international standards like GDPR and PCI-DSS.
Q: How long does it take to launch a white label wallet?
A: Depending on the provider and customization level, launch timelines range from 2 to 6 months—significantly faster than custom builds.
Q: Why choose RNDpoint for white label development?
A: RNDpoint combines deep FinTech expertise with its proprietary low-code platform (ProcessMIX), enabling rapid deployment (3–4 months), full compliance, and enterprise-grade scalability.
Whether you're launching a neobank, expanding into crypto payments, or enhancing your e-commerce platform, choosing the right white label wallet solution can accelerate your time-to-market while ensuring reliability and user trust.
👉 Start building your branded digital wallet today—explore fast-launch options now.