Wallet & E-Money · Coming Q4 2026

Multi-currency wallets your customers actually use.
Hold, convert and send in one balance.

Planned for Q4 2026: Remitgo will give every customer a multi-currency e-money wallet backed by the core ledger. Top up, hold a balance in each currency you enable, convert at transparent rates and send to other wallets or out to the banking rails.

ISO 4217
Wallet currencies
Segregated
Ledger accounting
Real-time
Balance API
Q4 2026
Availability

Multi-currency balance

Planned: each customer holds one wallet with sub-balances in every currency they use. Balances post to segregated ledger accounts that reconcile against your safeguarding arrangement.

  • Per-currency sub-balances
  • Segregated fund accounting
  • Instant balance lookups

Top-up & cash-out

Planned: fund wallets from cards, bank transfer or agent cash-in, and pay out to bank accounts or agents, all posted through the core ledger.

  • Card & bank top-up
  • Agent cash-in / cash-out
  • Bank payout rails

In-wallet FX

Planned: convert between currencies inside the wallet at a rate you control, with the FX spread booked cleanly to your income accounts.

  • Configurable FX spread
  • Locked-rate quotes
  • Spread booked to income

Instant wallet transfers

Planned: send money between Remitgo wallets on the same ledger, for P2P, payroll and agent disbursement.

  • Wallet-to-wallet P2P
  • Posted on one ledger
  • Reference & memo support

Limits & fund separation

Planned: apply per-wallet and per-transaction limits aligned to KYC tier, and keep customer balances on ledger accounts held apart from your operating funds.

  • KYC-tiered limits
  • Velocity controls
  • Customer / operating split

QR & request to pay

Planned: generate a QR or payment request so another wallet holder or agent can settle a balance in a single tap.

  • Dynamic QR codes
  • Request-to-pay links
  • Expiry & amount lock

API Reference

Integrate in minutes.

Preview of the planned interface - this API is in development and not yet publicly available.

POST/api/v1/wallets/{wallet_id}/transfersPLANNED

Request

{
  "to_wallet": "wal_7c20be",
  "currency": "USD",
  "amount": 12000,
  "memo": "Invoice 4471",
  "idempotency_key": "a13f-9920-be77"
}

Response

{
  "transfer_id": "wtx_55ad9c",
  "status": "completed",
  "currency": "USD",
  "amount": 12000,
  "from_balance": 88000,
  "credited_amount": 12000,
  "api_version": "v1"
}

Amounts are integers in the currency's minor unit (cents for USD): 12000 is $120.00 and from_balance 88000 is $880.00.

Give every customer a wallet.

Remitgo launches Q4 2026. Get in touch to embed multi-currency e-money wallets into your product.