Products · Digital Wallet
A unified hub for eligible money movement & commerce
Neobankify reinvents what a NeoBank wallet can be. Members may connect eligible cards, accounts, currencies, banks, fintechs, and rewards balances where supported, then tools can help organize transactions, surface savings, analyze rewards and gift value, automate bills, and move money more intentionally. The community mCard sits on top of that hub. Informational tools are not financial advice.
Connect
Supported institutions
Optimize
Eligible transactions
Automate
Bills · transfers
Digital wallet
Hub activeTotal visible across links
$14,117.62
+ rewards & gift value · illustrative
Connected
Selected: Primary checking, available for optimization
A new category of wallet
Not another single-bank app, the OS for the member's whole financial life
Traditional digital wallets show what one institution holds. Neobankify's wallet becomes the commerce and money-movement layer for every member of a co-branded neobank: aggregation plus action, under the organization's brand.
Universal connect
Every card, account, currency, bank, and fintech, in one place
Checking & savings
Banks & credit unions
Debit & credit cards
Any issuer
Fintech apps
Pay apps & neobanks
Rewards & gift
Points, gift cards
Multi-currency
FX balances
Brokerage & crypto
Where partners allow
Linking uses partner open-banking and card-network capabilities where available. Product availability varies by market and program.
What the wallet does
Organize, save, analyze, automate
Connect supported accounts
Members may link eligible banks, cards, fintechs, currencies, and reward accounts where supported, so the SuperApp can become a clearer home for money, not another silo.
Help optimize eligible transactions
Where enabled, the wallet can evaluate linked funding sources, mCard earn rates, and active partner offers to suggest paths that may save or earn more, informational assistance only, not financial advice.
Rewards & gift intelligence
See balances across loyalty programs and gift cards, surface expiring value, and route spend toward the account that unlocks the best return.
Autopay & money movement
Bills, transfers between linked accounts, round-ups, and scheduled moves, automated with clear member controls and partner rails behind the brand.
Unified activity
One timeline across connected accounts and the community mCard, so members stop hunting through five apps to answer “where did my money go?”
mCard as the smart front door
When members pay with their mCard, the wallet’s linked accounts and rewards logic power funding, earn, and post-purchase optimization, not a lonely single-rail card.
Transaction optimization
Try the savings logic members feel at checkout
Illustrative demo: a $48 dining purchase with a partner offer. Toggle optimization to see how mCard + wallet intelligence changes the outcome.
Merchant
Northside Kitchen
Dining · Partner offer
$48.00
Wallet optimization
Use linked accounts + mCard earn + offers
Recommended path
Pay with Community mCard · 3× dining offer active
mCard + 3× dining offer vs. plain debit
+$4.80 equiv.
Illustrative value vs. unoptimized path
How mCard leverages the wallet
Wallet + mCard
The card is the front door. The wallet is the brain.
mCards become dramatically more valuable when they sit on a wallet that sees the member's full financial picture. Funding can draw from linked accounts; rewards optimization can prefer mCard when partner offers or earn rates win; gift and loyalty balances can be applied thoughtfully, so eligible transactions may save more than a standalone debit ever could.
Account optimization
Choose funding sources that protect high-yield balances or minimize fees when rules allow.
Rewards optimization
Stack branded currency, partner multipliers, and third-party loyalty insight in one decision.
Significant savings
Members feel the difference in points, avoided fees, and better use of gift and reward value.
Automation
Bills, transfers, and money that moves itself
Once accounts are linked, members can automate the boring middle of money: bill pay, internal transfers, savings sweeps, and scheduled moves, with the SuperApp as the control surface and partners providing regulated rails.
- ✓Auto-pay rent, utilities, and subscriptions from preferred accounts
- ✓Move money between linked banks when balances dip or goals fund
- ✓Round-ups and rewards-funded savings moments
- ✓Clear member controls and consent, always opt-in automation
Automated flows
Members stay in control, automation is always visible and editable.
For program designers
Configure the wallet your members will live in
In Design Studio and the marketplace, distributors enable linking modules, rewards, payments, and mCard, then preview wallet screens inside the SuperApp prototype before launch.
Modules
Turn on wallet, rewards, payments, and partner linking from the marketplace catalog.
Brand
Colors, display name, and tone flow into wallet balances and activity lists.
mCard pairing
Card art and earn rates connect to wallet optimization stories members feel at checkout.
Put every account to work for your members
Design a co-branded neobank where the digital wallet is the hub and mCard is the intelligent way members pay, earn, and save.
Illustrative product vision. Linking, optimization, and automation depend on partners, eligibility, and consent. Disclosures