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Digital Wallet & Neobank

The wallet that cut out the card and slashed collection costs

With account information and payment initiation, users topped up their wallet straight from their bank — instantly and at low cost.

A growing digital wallet app

-80% Collection cost
<10sn Top-up time
3000+ Banks reached
THE CHALLENGE

Wallet top-ups ran on cards, where high fees and chargeback risk ate into margins. User verification was slow and fraudulent sign-ups were rising.

THE SOLUTION

With Kobaküs Payment Initiation users funded their wallet directly from their bank — card-free and instant. Account Information verified identity and account ownership in seconds to speed up onboarding, while name–IBAN matching blocked fake accounts.

THE RESULTS
  • Card fees disappeared and collection cost fell 80%.
  • Top-ups completed in seconds and chargebacks went to zero.
  • Name–IBAN checks sharply cut fraudulent sign-ups.

Our users now top up from their own bank in one tap. Costs went down and conversion went up.

Co-founderA growing digital wallet app
PRODUCTS USED
Payment InitiationAccept instant, card-free payments to your bank account. Account InformationSecurely access financial data from bank accounts.
All success stories

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