Institutional-grade wallet layer for complex payment flows.
Quanta Wallet is a multi-rail wallet environment designed for PSPs, FX & trading companies, platforms and payment-intensive merchants that need controlled balances, clear flows and banking-friendly structures across cards, APMs, bank transfers and crypto*.
What Quanta Wallet does.
Instead of separate ledgers and ad-hoc spreadsheets, Quanta Wallet provides a structured wallet environment that connects to your payment rails and supports real-world use cases.
1. Multi-currency wallet framework
Create and manage balances across multiple currencies and wallet types – operational, client, merchant, sub-merchant or segregated structures where required by partners.
- Defined wallet types and ownership models
- Multi-currency configuration per merchant or account
- Balance movements always linked to Transactions
2. Incoming funding flows
Map incoming payments from cards, local APMs, bank transfers and crypto* into the correct wallet balances with clear references for reconciliation.
- Deposit workflows per payment method
- Reference mapping for operations & finance
- Support for bonus / adjustment entries
3. Pay-outs and withdrawals
Handle withdrawals and pay-outs from wallet balances to customers, merchants or third parties via bank rails and APMs, with appropriate checks and approvals.
- Withdrawal requests and status tracking
- Bank / APM pay-out flows configured per country*
- Limits, roles and four-eyes principles where needed
4. Controls, reporting and audit
Provide your finance, risk and operations teams with the views they need to reconcile balances, monitor risk and explain flows to partners and auditors.
- Balance and movement reports per entity
- Support for reserves and blocked funds
- Exportable data for audit and analytics
Who Quanta Wallet is for.
Quanta Wallet is aimed at businesses where payments are central to the business model and where governance and counterparties matter as much as user experience.
PSPs and payment institutions
Add a flexible wallet layer over your existing acquiring, APM and banking relationships, without rebuilding your core gateway from scratch.
- Merchant and sub-merchant wallet structures
- Support for multi-rail funding & pay-outs
- Operational tooling for your back office
FX, trading & brokerage companies
Structure account funding and withdrawals across cards, APMs, bank and crypto* under a single, explainable wallet and reporting framework.
- Deposit, trading and withdrawal wallets
- Clear separation of client and operational funds
- Flows aligned with banking expectations
Platforms and marketplaces
Manage balances for multiple sellers, partners or users, with clear rules on who owns what and when funds can be released.
- Multi-entity and multi-balance structures
- Configurable release and pay-out conditions
- Reconciliation views for finance and tax teams
Businesses in complex verticals
Use a wallet layer to bring structure and governance to flows that would otherwise be seen as high-risk or difficult by banks and EMIs.
- Configurable risk and country parameters
- Support for high-risk or niche verticals*
- Documentation to support partner onboarding
How Quanta Wallet fits into your ecosystem.
Quanta Wallet is not a bank account or a speculative crypto wallet. It is a structured ledger layer sitting between your users and your payment rails, aligned with your partners’ expectations.
Working with your partners, not against them.
We design wallet setups with a clear view of how they will be perceived by PSPs, EMIs, banks, card schemes and regulators – so you can explain your model with confidence.
Names and logos of specific partners may be subject to separate approvals and are therefore not listed publicly.
“We consider Quanta Wallet as the internal ‘spine’ of our payment setup – it allows us to explain our flows to counterparties in a structured way.”
Example positioning – for illustration only.“The value is not just in technology, but in how the wallet design supports risk, finance and compliance teams.”
Based on real-world experience across complex verticals.
Regulatory framework.
QUANTA SOFT Ltd solutions, including Quanta Wallet and the PayQuanta payment gateway, are
powered in cooperation with Valenda UAB, a company registered in Lithuania
and regulated by the Financial Crime Investigation Service (FCIS) as a Virtual Asset Service
Provider (VASP).
Under this status, Valenda UAB is authorised to provide services involving the exchange of virtual assets (cryptocurrencies) against fiat currencies, ensuring secure and compliant transaction processing. The exact scope of services available to you depends on your corporate profile, jurisdiction and risk assessment.
