E-money institutions and digital wallets deliver top-ups, account verification and withdrawals on one standard with Kobaküs APIs. Users fund their wallet within 2 minutes.
Approve with Face ID
Identity verified
Wallet funded
₺3.750,00 · new balance
avg. 1m 48sYour users top up via web, mobile or in-app with instant EFT/transfer from their own bank. Faster payments, lower fees.
24/7 instant top-up and withdrawal from 850+ banks over instant rails.
Speed up KYC/AML with ownership & identity checks; block fake accounts.
Deliver every flow end-to-end under your own brand and UI.
Digital wallet infrastructure provides the APIs and flows you need to launch a wallet product where users top up, store and transfer money. Kobaküs offers account verification, instant top-up and white-label flows.
No. Kobaküs is an infrastructure provider and holds no customer funds. E-money issuance/custody runs through a licensed EMI partner, while Kobaküs provides the technical infrastructure and integration.
Yes. You build an end-to-end wallet experience under your own brand; onboarding, top-up, transfer and balance flows come via API.
With open-banking payment initiation, the user tops up the wallet instantly (FAST) from their bank account — no card needed, lower cost.
Account and identity verification flows can be integrated; you structure user onboarding to meet compliance requirements.
Yes. Flows are based on FAPI 2.0, OAuth 2.0 and mTLS and are KVKK-compliant; sensitive data is tokenized.
Through a licensed EMI partner, yes. Kobaküs provides the infrastructure while the partner holds the licensed role. We determine the right model with advisory.
You start in the sandbox within minutes and ship wallet flows to production in days with the REST API and SDKs.
Test in the sandbox with a free demo account and ship top-up & withdrawal with one API.
