Launch your own
wallet, card & payments app.
Without becoming a bank.
A BRANDED WALLET, CARD & PAYMENTS APP — FOR TELECOMS & BANKS
Coreal builds and runs a wallet, card and payments app under your brand, for your customers. You keep the brand and the relationship. A partner bank holds the licence. We deliver the first product in 90 days — without touching your existing systems.
From signed to live in 90 days.
Five steps. You sign off on each one.
We plug into your existing systems read-only — telco billing or bank core. We never write to your core systems.
We map the product, the money flows and the licence path together with your partner bank. You sign off the scope.
The wallet, card and payments product is built alongside your legacy on the Coreal ledger — not inside it.
Every release passes a security check and a compliance check (DORA, MiCA, AML, EU AI Act). Neither can be skipped.
First customers on day 90. Every decision is logged and replayable for the auditor for seven years.
Same five steps whether you're a telecom or a bank.See how the platform is built on /platform →
Same platform.
Two industries, one idea.
Whether you're a telecom or a bank, the idea is the same: we don't touch your existing system. We build the new product alongside it, and you launch under your brand. Pick your path.
Tier-1 mobile operator
Turn subscribers into financial customers
Billing-adjacent integration on the BSS event bus, read-only. Partner-bank EMI cover. Wave-1: a cross-border corridor live in 90 days.
CEE tier-1 universal bank
Modernise the core, without ripping it out
Core-banking-adjacent on the legacy ledger (T24 / Mambu / Profile / FIS), read-only. Wave-1: KYC orchestration from 5 days to 38 seconds, manual review FTE −60%.
Three outcomes an operator CEO actually buys.
Every customer stays your customer.
Wallet, card, autopay, family transfer, cross-border. Each one anchors the subscriber to the carrier. On heavy fintech-users, churn falls by roughly half. The financial relationship is the real retention asset.
A wallet in production by day 90, not month 24.
Partner-led launch with a sponsor bank for the licence and Coreal for the technology. No two-year build, no regulator letter cold start, no internal fintech team to staff. Five named phases, four sponsor-bank gates, one go-live committee.
Regulator-readable from day one.
Every transaction, every approval, every policy change is logged with named owner, input hash and timestamp. The regulator can replay any decision seven years later. No black-box AI. No retroactive justification. The auditor reads the journal, not the dashboard.
Coreal is a gateway to everyday money for your customer base.
Coreal connects telecom customers to seamless eMoney services. By embedding advanced wallet and neobank features into the telecom ecosystem, we turn every mobile number into a secure, intelligent financial gateway — capturing the everyday money flows of your user base.
READ THE FULL TELCO × BANK SYNERGY MEMO →Seven products. One platform.
Neobank Super Wallet
Consumer mobile wallet on a double-entry ledger.
Core Banking Platform
Multi-tenant banking infrastructure.
KYC / KYT Platform
Graph-based transaction monitoring with wallet risk scoring, real-time alerts, tiered verification, OCR + FaceID, ML + rule-engine AML, PEP/sanctions screening and SAR filing..
The four questions
every board asks.
01Who holds the banking licence?
A partner bank or EMI holds the licence and the regulatory relationship. You keep the brand and the customer; Coreal builds and runs the product. You never need to become a bank.
02Do you touch our existing systems?
No. We integrate read-only with your telco billing or bank core. The wallet, card and payments product runs on the Coreal ledger alongside your legacy — we never write to your core systems.
03How long does a launch take, and what does it cost upfront?
The first product is live with real customers in 90 days. The partner-led Wave-1 model is revenue-share, not capex — there is no upfront platform fee. Use the calculator to run your own numbers.
04How is compliance and audit handled?
Every release passes a mandatory security check and a compliance check (DORA, MiCA, AML, EU AI Act) before launch. Every transaction, approval and policy change is logged with a named owner and timestamp, and stays replayable for the auditor for seven years.