
We’ve delivered fintech solutions across Africa, the Middle East, and Europe—tailored to the nuances of each market. Our digital wallets support real-time money transfers, QR and NFC-based payments, bill settlements, and wallet-to-bank integrations. Whether it's peer-to-peer transfers, scheduled payments, or merchant services, we design flexible wallet ecosystems that can scale across geographies and use cases.
For clients focused on cross-border money movement, we develop secure and compliant remittance platforms that manage everything from onboarding and KYC to FX management, settlement, and disbursement. These systems integrate with partner banks, cash-out agents, mobile money providers, and regulatory databases—ensuring transparency and efficiency at every stage of the transaction.
We also build merchant-facing systems, including smart POS solutions with dynamic QR codes, tap-to-pay capabilities, and offline functionality. Our platforms support a full merchant lifecycle—from onboarding and payment processing to real-time dashboards for sales, settlement, and reconciliation. Whether operating in high-volume retail or remote, low-connectivity environments, we ensure merchants stay connected and in control.
All our platforms are designed with security and compliance at the core. From AML checks and audit trails to PCI-DSS alignment and role-based access control, we build infrastructure that earns the trust of users, partners, and regulators alike. We understand the licensing regimes, data protection laws, and financial regulations that define different markets—and we engineer with them in mind from the start.
Every deployment is cloud-native, API-first, and built to scale. Whether you're a licensed institution, a fintech startup, or a government agency looking to digitize national payments infrastructure, we bring the technical depth and real-world experience to deliver.
team@ctxlabs.ai.