AI-powered Wallets & digital lending
End-to-end Wallet + AI Modules • Powered by T-Flux™

One wallet.
Omni-channel by design.
AI-driven by default.

A complete digital wallet that unifies payments and lifestyle services through an open, micro-services architecture—delivered as a full wallet platform, or as individual AI-powered modules that plug into existing wallets and banking ecosystems.

OMNI-CHANNEL ONE ACCOUNT AI POWERED CORE MICRO-SERVICES
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Customer experience

Holistic “manage your life” wallet

Unify payments, accounts, and services into a single customer experience, across channels.

Payments reach

W2W remittances + multi-currency

Support wallet-to-wallet transfers and multi-currency capability for domestic and cross-border use cases.

Growth & migration

Account migration at scale

Migrate mass-market customers onto your wallet solution with a controlled onboarding pathway.

Deliver the full wallet, or deploy modules independently

Solveworx can deliver an end-to-end wallet platform, an AI-driven “wallet copilot” powered by T-Flux™, and plug-in modules that extend existing wallet providers.

Platform

End-to-End Wallet

A configurable wallet foundation designed for omni-channel delivery and open platform integration.

  • Omni-channel customer journeys (mobile, web, agent, call-centre, partner channels).
  • One Account experience spanning financial + lifestyle services.
  • Open system platforms to connect financial and retail services.
  • Micro-services architecture to scale, swap components, and integrate safely.
AI, powered by T-Flux™

AI-Driven Wallet Modules

Add an AI layer to your wallet experience—policy-controlled, auditable, and deployable inside your data perimeter.

  • AI Wallet Copilot: conversational support, guided journeys, and operational efficiency.
  • Personalised engagement: context-aware prompts, next-best actions, and customer assistance.
  • Operational governance: deterministic guardrails aligned to your rules and controls.
  • Multi-model orchestration: leverage multiple LLMs with T-Flux synthesis for best-fit answers.
Plug-in module

LendLogic “Spot-Me” Embedded Credit

Micro, short-term, fee-based credit line embedded into digital wallets, dynamically controlled by LendLogic AI.

  • Typical use: cash-flow smoothing between pay cycles; small emergencies; everyday shortfalls.
  • Target ticket: up to AUD 200 per draw (configurable tiers).
  • Tenor: next payday or up to 3 instalments (configurable).
Commercial controls

Configurable settings per wallet partner

Control limit, pricing, and behaviour rules centrally—then deploy consistently across channels and partners.

  • Max limit per user dynamically set (e.g., $50–$200).
  • Pricing example: fixed fee per repayment (no interest).
  • Usage caps, cooling-off rules, and refer/decline/approve outcomes.
Decisioning outputs

AI-driven eligibility and risk flags

Deploy consistent decision logic with auditable outputs and behavioural signals.

  • Eligibility decision: approve / decline / refer (configurable).
  • Risk grade: A–E (or your grading system).
  • Behavioural flags: e.g. “frequent last-minute usage”, “recent delinquency”.
Discuss a wallet PoC Security & governance

Wallet & AI Architecture designed for integration, change, and scale

The wallet is built for open ecosystems: modular micro-services, clean interfaces, and an AI layer that can be introduced progressively without forcing a wholesale rip-and-replace.

Core principles

Open platforms + micro-services

  • Composable services that can be deployed, upgraded, and swapped independently.
  • Integration-ready interfaces for payments rails, identity, KYC, notifications, and partner ecosystems.
  • Supports a phased rollout: start with wallet core → add AI copilots → activate value-added modules.
T-Flux™ AI layer

Multi-LLM orchestration and synthesis

  • Run multiple LLMs (e.g., GGUF / Safe-Tensor formats) within your controlled environment.
  • Synthesise the “best answer” across models through a governance-aware reasoning layer.
  • Connect to enterprise knowledge via RAG patterns so outputs are grounded and traceable.

Security, privacy, and governance for regulated environments

T-Flux™ is designed for data-critical sectors where control, auditability, and data residency are non-negotiable.

Data perimeter

Keep AI inside your environment

Deploy on-premises or in private cloud, with controls aligned to your risk posture and regulatory obligations.

  • Data residency by design; minimise data egress exposure.
  • Enterprise access controls determine what AI can retrieve and respond with.
  • Audit logs and traceability as first-class requirements.
Governance

Policy-controlled AI outputs

Constrain AI behavior with explicit rules, retrieval filters, and defensible operational controls.

  • Guardrails and verification steps for high-risk workflows.
  • Role-based views and permission-aware retrieval.
  • Deploy AI progressively—start with low-risk customer service, expand to decision support.
Implementation approach: Start with a narrow Proof of Concept (PoC) for one journey (e.g., onboarding, remittances, or “Spot-Me” credit modules), prove customer value and controls, then expand iteratively.