Connecting Finance.Powering What’s Next.
Wallet as a Service. An AI-based Platform as a Service.
Casheeda is Wallet as a Service on an AI-based Platform as a Service — the connection layer that lets banks and fintechs launch, connect and scale digital finance.
- Self-onboardingRemote KYC and KYB, ready for your brand.
- OCRDocument checks that keep onboarding fast.
- AI assistantHelp, summaries and drafts your team authorizes.
Illustrative screens — values are examples.
The challenge
Institutions want to launch faster, but their systems don’t connect.
- Legacy cores
- Core banking and switching systems weren’t built for wallets, QR or real-time payments.
- Point solutions
- Every new channel brings another vendor, contract and integration to maintain.
- Slow launches
- New digital products take months or years to reach customers.
The platform
Four product families. One connected platform.
Wallet Engine
Wallet as a Service: branded wallets with self-onboarding, cards, transfers and savings.
What’s included: Wallet EngineMarketplace
Multi-vendor marketplace and store builder with escrow and delivery.
What’s included: MarketplaceSuper Apps
Apps for individuals and merchants, built from ready mini-apps.
What’s included: Super AppsAI Platform
An AI-based Platform as a Service, built into every wallet flow.
What’s included: AI Platform
Wallet Engine
Wallet as a Service, ready for your brand.
Wallet as a Service: branded wallets with self-onboarding, cards, transfers and savings.
Balance and limits
Tiered KYC, live activity
Send money
Wallet, bank or abroad
Cards
Virtual card with controls
Savings
Goals and money circles
Illustrative screens — values are examples.
- Self-onboardingCustomers and merchants join remotely, with tiered KYC and KYB limits from day one.
- OCR and document checksExtract and verify ID and business documents so onboarding stays fast and accurate.
- Money in and outTop up by card, bank transfer or cash agent. Withdraw to bank or agent.
- Pay and transferP2P, merchant QR, bills, request-to-pay and cross-border transfers.
- CardsVirtual and physical cards with in-app freeze, limits and controls.
- SavingsSavings boxes, round-ups and money circles that build balances.
- Control and complianceReal-time ledger, limits, fees, reconciliation and AML monitoring.
Consumer, merchant, agent and corporate wallets. Multi-currency. SaaS, dedicated cloud or on-premise.
Marketplace
A branded marketplace for your merchants and customers.
Multi-vendor marketplace and store builder with escrow and delivery.
Discover
Deals and categories
Search
Smart and photo search
Cart
One cart, many sellers
Pay
Protected by escrow
Track
Live status and returns
Illustrative screens — values are examples.
- Goods and servicesProducts, bookings and flash deals on one platform.
- Every channelConsumer and merchant mini-apps, web portal and PWA.
- Escrow checkoutOne cart, many sellers, funds held until delivery.
- Delivery built inMulti-courier routing, live tracking and returns.
- Central controlOnboarding, moderation, commissions and reporting.
- Multi-marketNew countries and tenants by configuration.
Also built in
- Smart and photo search
- Recommendations
- Escrow and split settlement
- Returns and refunds
- Seller tools
- Service bookings
- Drop-shipping
Super Apps
Super apps for individuals and merchants.
Apps for individuals and merchants, built from ready mini-apps.
Illustrative screens — values are examples.
For individuals
- MoneyCards, transfers, saving boxes, money circles, instalments and investments.
- LifestyleBills, shopping, offers and travel.
- EngagementLoyalty, donations and communities.
- Every dayPay bills and top up, send money home, save and invest, shop and earn rewards.
For merchants
- AcceptSoftPOS, QR, recurring and pay-at-table.
- GrowStore builder, B2B marketplace, promotions and analytics.
- OperatePayroll, payouts, supplier and bill payments.
- Every dayAccept payments in store, sell online, manage cash and staff, grow the business.
AI Platform
AI has six clear jobs in the wallet.
An AI-based Platform as a Service, built into every wallet flow.
- 01
AI01–03
Onboard
OCR · document checks · KYB extraction
- 02
AI04–08
Protect
Fraud · scams / mules · AML · screening
- 03
AI09–10
Understand
Segmentation · churn / next-best action
- 04
AI11–13, 19
Operate
Forecasts · matching · expenses · optimization
- 05
AI14–16
Assist
Customer help · case copilot · payment drafts
- 06
AI17–18
Support gated decisions
Credit support · government anomaly review
Human in the loop
Reduce manual effort without losing control.
AI recommends or drafts. Financial evidence and authorized decisions remain authoritative.
Reconciliation
- Input
- Ledger + bank + provider
- AI output
- Suggested matches / explanations
- Decision
- Finance confirms exceptions
Treasury
- Input
- Cash flows + commitments
- AI output
- Liquidity forecast / funding plan
- Decision
- Treasury approves movement
Expenses & government
- Input
- Receipts + payout lists
- AI output
- Extract / categorize / flag duplicates
- Decision
- Authorized team resolves
Assistants & copilots
- Input
- Permitted transactions + cases
- AI output
- Answers / summaries / payment draft
- Decision
- User or operator authorizes
- Every alert explains its reasonsYour team decides the action
Illustrative screens — values are examples.
Each use case has its own data, output, decision owner and success measure.
High-level architecture
Every solution on one core platform.
- Channels
- Web
- Mobile apps
- POS and SoftPOS
- QR
- Partner apps
- APIs and SDKs
- Products
- Wallet as a Service
- Marketplace
- Super Apps
- AI PaaS
- Guard
- Segmentation
- Casheeda Core
- API gateway
- Orchestration
- Ledger
- Settlement
- Identity and KYC
- Risk and AML
- Data and AI
- Integrations
- Card schemes
- Bank cores
- Instant payments
- Wallets and billers
- ERP and logistics
- Infrastructure
- Cloud-native microservices
- Multi-tenant
- In-country hosting
- Private or managed cloud
- Security
- Encryption in transit and at rest
- HSM key management
- Role-based access
- Full audit trail
How it connects
One layer between every channel and every network.
Channels
- Web and apps
- POS and SoftPOS
- QR
- APIs and SDKs
Casheeda Core
- API gateway
- Routing and orchestration
- Risk and AML
- Settlement and reporting
Networks
- Domestic and global schemes
- Bank hosts and ACH
- Wallets
- Billers
Who we serve
Built for every institution in the payment chain.
Banks and acquirers
SoftPOS and QR, merchant management and super apps for retail and SME customers.
Central banks and governments
QR interoperability, instant payments and government collections.
Fintechs and wallets
Wallet as a Service on an AI-based PaaS — self-onboarding, OCR, assistants, marketplaces and disbursements.
Telcos and enterprises
Merchant super apps, B2B marketplaces, orchestration, subscriptions and split payments.
Why Casheeda
Why institutions choose Casheeda.
- White-label
- Your brand on the front end. Our platform underneath.
- Modular
- Start with one product. Add the rest when you’re ready.
- Local and global
- Local rails and wallets alongside international schemes.
- Sovereign
- Local hosting and on-soil processing, under your control.
- AI built in
- Self-onboarding, OCR, fraud, segmentation and an AI assistant from day one.
- A partner
- Advisory, product and delivery teams from pilot to scale.
Where we operate
Riyadh, Cairo and Dubai.
Founded by a team with deep experience launching digital finance across the region.
- Riyadh, Saudi Arabia
- Cairo, Egypt
- Dubai, United Arab Emirates
How we deliver
From business need to live transaction.
Discover
Goals, use cases, market rules and target KPIs
Design
Solution blueprint, integrations and rollout plan
Integrate
APIs, SDKs, bank hosts, schemes and KYC
Certify
Testing, security checks and scheme certification
Launch
Pilot, merchant onboarding and go-live support
Scale
New modules, partners and markets
Book your demo now
See every solution live on your use cases.
Book your demo nowWrite to us at info@casheeda.com