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Velmie is a white-label digital wallet platform designed for banks, fintechs, and other financial institutions aiming to build secure, scalable financial ecosystems. With a modular architecture, cloud-native infrastructure, and strong API integrations, Velmie enables businesses to launch tailored digital payment solutions in regulated environments.

It offers support for digital banking, mobile wallets, back-office management, and core banking integration. Velmie focuses on helping early-stage to mid-sized financial institutions streamline operations and go to market faster. While versatile, it’s best suited for organizations with a traditional approach looking for reliable infrastructure and structured product development. 

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DigiPay.Guru is an advanced digital wallet solution designed for fintechs, banks, neobanks, NBFIs, telcos, MTOs, and other financial service providers. Built on a modular, API-first architecture, it enables rapid deployment and deep customization without compromising scalability or compliance.

The platform supports open-loop and closed-loop wallets, agent banking, merchant acquiring, international remittance, eKYC, prepaid card management, loyalty programs, and more.

DigiPay.Guru is purpose-built for today’s fast-changing financial landscape which empowers institutions to launch quickly, adapt to evolving market needs, and scale confidently across regions with robust infrastructure, enterprise-grade security, and fintech-first agility.

The Features Comparison: DigiPay.Guru Vs. Velmie

Compare DigiPay.Guru and Velmie to discover which platform best fits your product roadmap and business needs.

Feature
Velmie
Platform ArchitectureAPI-first, modular, microservices-basedModular, cloud-native
Deployment OptionsOn-premise + Cloud-native (multi-tenant or dedicated)Private cloud or AWS
White-Label CapabilitiesFully white-labeled with end-to-end customizationSupported with UI branding
Launch TimelineAs fast as 6–12 weeks3–6 months
API & SDK AccessREST APIs, SDKs, webhooksREST APIs, Android SDK
Core Banking IntegrationDirect integration via open APIsMiddleware-based
eKYC/AML ComplianceFully integrated and configurableSupported via third-party
Agent BankingNative agent banking with offline modeNot available
Cross-Border RemittanceIn-built FX routing and corridor managementSupported through third-party
Multi-Currency SupportBuilt-in with dynamic FX capabilitiesSupported
Offline Transaction ModeSupported for agent and rural environmentsLimited
Loyalty & RewardsNative, configurable loyalty engineAvailable via third-party tools
Back Office ManagementReal-time dashboards with workflow configurabilityStrong admin tools and analytics
Primary Use CasesFintechs, banks, telcos, MTOs, agent networks, FIs, and more…Neobanks, wallets, fintech apps
 
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Which Digital Wallet Solution Fits Your Audience Best?

Different institutions have different needs. See how DigiPay.Guru and Velmie align with the unique demands of your business segment.

Audience SegmentDigiPay.GuruVelmie
Fintech Startups✅ Focused ✅ Focused
Banks/NBFCs✅ Specialized✅ Supported
Telcos✅ Supported❌ Not a focus
Agent Networks✅ Core use case❌ Not supported
Cross-border Players✅ Native support❌ Not native

Strategic Platform Capabilities That Drive Digital Wallet Success

Speed, flexibility, and cost-efficiency can make or break your wallet launch. Compare DigiPay.Guru and Velmie to see which platform better supports your go-to-market timeline & scalability goals.

CapabilityDigiPay.GuruVelmie
Customization SpeedRapid (modular & agile team support)Moderate (requires dev support)
Cost of OwnershipMore accessible, pay-as-you-growMid-range licensing
Open Ecosystem/API Design100% open API-firstSemi-closed
White-label ReadinessFully plug-and-play, brand-firstStrong, with branding flexibility
Time to Launch6–12 weeks possible3–6 months

Strengths That Align with Your Business Goals

Every platform has strengths, but not all match your needs. Discover how DigiPay.Guru and Velmie differ in what matters most to your institution.

Criteria WinnerWhy
Fintech-first flexibilityDigiPay.GuruBuilt modularly for rapid change and diverse fintech use cases
Global scalabilityDigiPay.GuruSupports multi-currency, multi-region, and offline needs
CustomizationDigiPay.GuruEnd-to-end platform + workflow configurability
Regulatory setupBothBoth platforms follow industry standards like PCI DSS, GDPR, and local compliance frameworks.
Agent network enablementDigiPay.GuruNative support for rural & last-mile models
Launch Speed & FlexibilityDigiPay.GuruFaster time-to-market with pre-built modules, white-label flexibility, and agile delivery.

"Disclaimer: The information provided in this comparison table is based on our findings and may not be exhaustive or entirely accurate. We advise you to verify the information and consult with the software providers to confirm the features and benefits before making any business decisions."

What Our Clients Say After Switching to DigiPay.Guru

See how DigiPay.Guru has helped fast-moving financial institutions launch faster, scale smarter, and deliver modern wallet experiences their users love.

digiPay-client-testimonial
Quote

DigiPay.Guru team helped my team improve mobile money payments in South Africa. They are great to work with and delivered the best solution. We are really happy with the solution and would hire them again for our next project.

Exodus

Essa Tarawally

Operations Manager, Gambia

Ready to Build a Smarter & Future-Ready Digital Wallet? Let’s Make It Happen

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Frequently asked questions

Switching to DigiPay.Guru is seamless and well-supported. Our migration toolkit includes API mapping guides, data import workflows, and sandbox testing environments. Whether you're moving from a live system or still in development, our onboarding team ensures a smooth transition with minimal disruption. Many clients switching from other wallet platforms (including Velmie) have launched faster and gained more flexibility with DigiPay.Guru.

DigiPay.Guru offers full white-label flexibility and deep customization across UI/UX, transaction logic, user roles, limits, reporting, and workflows. Whether you're building a consumer wallet, agent network, or a closed-loop solution, you can tailor every element to match your brand and operational needs. We also offer fully customized implementations for complex use cases across banking, fintech, and telecom sectors.

DigiPay.Guru follows enterprise-grade security and privacy practices, including PCI DSS certification, data encryption, secure role-based access, audit trails, and GDPR readiness. Like Velmie, we comply with global regulatory frameworks, but DigiPay.Guru also offers fintech-specific security features and quicker adaptability to changing compliance environments, making it ideal for high-growth digital businesses.

Velmie provides standard support tiers for implementation and maintenance. DigiPay.Guru offers fintech-focused support tailored to fast-moving financial businesses. Our dedicated success teams provide 24/7 assistance, expert onboarding, detailed documentation, and priority help during go-live and scaling phases which ensures you're supported from first setup to long-term growth.

Yes. DigiPay.Guru is built for global scalability, with native support for multi-currency wallets, FX routing, corridor management, and localization. Whether you're launching in one market or expanding across regions, DigiPay.Guru gives you the flexibility and infrastructure to support cross-border payment flows with ease.

Absolutely. DigiPay.Guru is fully compliant with major regulatory standards including PCI DSS, GDPR, and other local frameworks. The platform includes integrated tools for KYC, AML, audit trails, and data privacy which makes it easier for your institution to meet compliance goals while delivering modern wallet experiences.

Both platforms offer strong capabilities, but DigiPay.Guru stands out for its fintech-first design, faster time-to-market, and deeper feature flexibility. With native support for agent banking, cross-border remittance, and offline capabilities, DigiPay.Guru is ideal for institutions looking to grow fast, innovate quicker, and serve diverse markets without depending on rigid prebuilt configurations. It's purpose-built for scale, agility, and modern financial needs.

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2019

Founded in

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120+

In-house Tech experts

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15+

Country served

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100k+

Customers Achieved by our clients

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10+

Paytech leader partnerships

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8+

Fintech Platforms Introduced

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