Full feature list
All 145 features in the individual app, the business app and the back office, grouped into 16 modules. Search the list, filter it by where a feature runs, or take it with you.
| Feature | Individual app | Business app | Back office |
|---|---|---|---|
| Sign-up with a local phone numberUsers create an account with their local mobile number, the identifier they already use every day. | Individual appAvailable | Business appAvailable | Not available |
| SMS OTP verificationA one-time code sent by SMS confirms that the user owns the number they signed up with. | Individual appAvailable | Business appAvailable | Not available |
| Test OTP for demos and app-store reviewA test code path lets demo and review accounts complete sign-up without a live SMS. | Individual appAvailable | Business appAvailable | Not available |
| Invite users by phoneUsers invite friends or colleagues by entering their phone number in the app. | Individual appAvailable | Business appAvailable | Not available |
| Invite users by link, SMS or emailUsers share an invitation as a link, an SMS or an email, whichever suits the person they invite. | Individual appAvailable | Business appAvailable | Not available |
| Referral programmeA referral programme in the business app, so businesses can bring new users onto the product. | Not available | Business appAvailable | Not available |
| Customisable onboarding dataChoose the data collected during onboarding, so sign-up asks for what your product and compliance team need. | Individual appAvailable | Business appAvailable | Not available |
| Personal details: name, date of birth, addressSign-up collects the user’s first and last name, date of birth and address. | Individual appAvailable | Business appAvailable | Not available |
| Financial questionnaireA questionnaire during sign-up gathers the financial information your compliance team asks for. | Individual appAvailable | Business appAvailable | Not available |
| Customisable formsSign-up forms can be customised with the fields and questions your product needs. | Individual appAvailable | Business appAvailable | Not available |
| Profile data collected at sign-upThe data a user gave at sign-up stays visible to them in their profile. | Individual appAvailable | Not available | Not available |
| Profile data managementUsers view and update their own profile data from inside the app. | Individual appAvailable | Not available | Not available |
| Email addressUsers add an email address to their profile alongside their phone number. | Individual appAvailable | Not available | Not available |
| Profile photoUsers set a profile photo for their account. | Individual appAvailable | Not available | Not available |
| Account deletionUsers delete their account from inside the app, as Apple and Google require of apps with sign-up. | Individual appAvailable | Not available | Not available |
| Feature | Individual app | Business app | Back office |
|---|---|---|---|
| Set a passwordUsers set a password during sign-up; it also restores a forgotten PIN. | Individual appAvailable | Business appAvailable | Not available |
| Set a PIN codeUsers set a PIN code for quick everyday access to the app. | Individual appAvailable | Business appAvailable | Not available |
| Security questionsUsers set security questions as an extra check on their identity. | Individual appAvailable | Business appAvailable | Not available |
| LoginReturning users sign in to the app. | Individual appAvailable | Business appAvailable | Not available |
| Configurable login scenariosDifferent sign-in scenarios are supported, rather than a single fixed login flow. | Individual appAvailable | Business appAvailable | Not available |
| Restore password via SMS OTPUsers who forget their password restore it with a one-time code sent by SMS. | Individual appAvailable | Business appAvailable | Not available |
| Restore PIN via passwordUsers who forget their PIN restore it by entering their password. | Individual appAvailable | Business appAvailable | Not available |
| Reset password via SMS OTPUsers change their password after confirming a one-time code sent by SMS. | Individual appAvailable | Business appAvailable | Not available |
| Reset PIN via passwordUsers change their PIN after confirming their password. | Individual appAvailable | Business appAvailable | Not available |
| Session managementUsers see where they are signed in and manage their active sessions. | Individual appAvailable | Not available | Not available |
| Log outUsers sign out of the app on their device. | Individual appAvailable | Not available | Not available |
| Session historyStaff see every session a user has opened: device ID and model, start and end time, and status. | Not available | Not available | Back officeAvailable |
| Feature | Individual app | Business app | Back office |
|---|---|---|---|
| KYC/KYB data managementUsers provide and update the identity data needed to verify a person or a business. | Individual appAvailable | Business appAvailable | Not available |
| Verification tiersVerification levels, each with its own limits and permissions, that users move through as they verify. | Individual appAvailable | Business appAvailable | Not available |
| Verification statusesUsers always see the current status of their verification. | Individual appAvailable | Business appAvailable | Not available |
| Tier-based permissionsWhat a user can do in the app depends on the verification tier they have reached. | Individual appAvailable | Business appAvailable | Not available |
| External KYC provider integrationIdentity checks run through an external KYC provider connected to the product. | Individual appAvailable | Business appAvailable | Not available |
| Verification queue with search and filtersStaff work through KYC and KYB requests in a searchable, filterable list. | Not available | Not available | Back officeAvailable |
| KYC/KYB review cardStaff review each verification request on a single card with its submitted data. | Not available | Not available | Back officeAvailable |
| Tier management: limits and permissionsStaff define verification tiers and the limits and permissions attached to each one. | Not available | Not available | Back officeAvailable |
| External KYC provider settingsStaff manage the connection to the external KYC provider from the back office. | Not available | Not available | Back officeAvailable |
| Feature | Individual app | Business app | Back office |
|---|---|---|---|
| Create a walletUsers open new wallets inside the app. | Individual appAvailable | Business appAvailable | Not available |
| Wallet informationEach wallet has its own screen with its details. | Individual appAvailable | Business appAvailable | Not available |
| Wallet account detailsEach wallet has account details that users share to receive money. | Individual appAvailable | Business appAvailable | Not available |
| Default walletsUsers set which wallet is used by default. | Individual appAvailable | Business appAvailable | Not available |
| Wallet permissionsControl who can see and use a wallet, and what they can do with it. | Individual appAvailable | Business appAvailable | Not available |
| Block or close a walletWallets can be blocked or closed when they should no longer be used. | Individual appAvailable | Business appAvailable | Not available |
| Share a walletUsers share a wallet with other people, such as family members or colleagues. | Individual appAvailable | Business appAvailable | Not available |
| Create an account holderCreate the person or business that owns one or more wallets. | Individual appAvailable | Business appAvailable | Not available |
| Manage account holdersView and update the account holders behind each wallet. | Individual appAvailable | Business appAvailable | Not available |
| Wallet list with search and filtersStaff find any wallet in a searchable, filterable list. | Not available | Not available | Back officeAvailable |
| Wallet cardStaff see a wallet’s details on a single card. | Not available | Not available | Back officeAvailable |
| Wallet managementStaff manage wallets from the back office. | Not available | Not available | Back officeAvailable |
| Feature | Individual app | Business app | Back office |
|---|---|---|---|
| Send by phone numberSend money to another user by entering their phone number. | Individual appAvailable | Not available | Not available |
| Send to a contact from the address bookPick the recipient straight from the phone’s address book. | Individual appAvailable | Not available | Not available |
| Send by account numberSend money to a wallet using its account number. | Individual appAvailable | Not available | Not available |
| Send by QR codeScan another user’s QR code to send them money. | Individual appAvailable | Not available | Not available |
| Send by linkSend money by sharing a payment link. | Individual appAvailable | Not available | Not available |
| Send by invoicePay another user against an invoice they issued. | Individual appAvailable | Business appAvailable | Not available |
| Send by gestureSend money with a gesture in the app instead of typing the recipient’s details. | Individual appAvailable | Business appAvailable | Not available |
| Request to pay (R2P) by phone numberRequest money from another user by their phone number. | Individual appAvailable | Business appAvailable | Not available |
| Request to pay (R2P) by account numberRequest money from a wallet using its account number. | Individual appAvailable | Business appAvailable | Not available |
| Request to pay (R2P) by QR codeShow a QR code that the other person scans to pay you. | Individual appAvailable | Business appAvailable | Not available |
| Request to pay (R2P) by linkShare a payment request as a link. | Individual appAvailable | Business appAvailable | Not available |
| Payment purposeAdd a purpose to a payment so both sides know what it was for. | Individual appAvailable | Business appAvailable | Not available |
| Feature | Individual app | Business app | Back office |
|---|---|---|---|
| Pay a merchant (P2M) by account numberMerchants receive customer payments to their account number. | Not available | Business appAvailable | Not available |
| Pay a merchant (P2M) by invoiceMerchants issue invoices that customers pay in the app. | Not available | Business appAvailable | Not available |
| Pay a merchant (P2M) by QR invoice (dynamic QR)Merchants generate a QR code for a set amount that the customer scans to pay. | Not available | Business appAvailable | Not available |
| Static QR with payment detailsA fixed QR code carrying the merchant’s payment details, printed or shown at the point of sale. | Not available | Business appAvailable | Not available |
| Payment landing page (web)A web page for making a payment, opened from a shared link. | Individual appAvailable | Business appAvailable | Not available |
| Feature | Individual app | Business app | Back office |
|---|---|---|---|
| Recurring paymentsSet up payments that repeat on a schedule. | Individual appAvailable | Business appAvailable | Not available |
| Payment templatesSave a payment’s details as a template and reuse them in one tap. | Individual appAvailable | Business appAvailable | Not available |
| Subscription paymentsPay for subscriptions from the wallet on a regular basis. | Individual appAvailable | Business appAvailable | Not available |
| Repayment by platform staffRepayments carried out by the platform’s own staff. | Individual appAvailable | Business appAvailable | Not available |
| Repayment by business staffRepayments carried out by a business’s own staff. | Not available | Business appAvailable | Not available |
| Payout schemesSchemes that define how money is paid out. | Individual appAvailable | Business appAvailable | Not available |
| Feature | Individual app | Business app | Back office |
|---|---|---|---|
| Payment reversalA payment can be rolled back when it needs to be undone. | Individual appAvailable | Business appAvailable | Not available |
| Report a transactionUsers flag a transaction they don’t recognise or have a problem with. | Individual appAvailable | Business appAvailable | Not available |
| Decline a transactionUsers can decline a transaction instead of accepting it. | Individual appAvailable | Business appAvailable | Not available |
| Transaction historyA full list of the user’s transactions. | Individual appAvailable | Business appAvailable | Not available |
| Search transactionsFind a transaction by searching the history. | Individual appAvailable | Business appAvailable | Not available |
| Transaction filtersNarrow the history down with filters. | Individual appAvailable | Business appAvailable | Not available |
| Transaction detailsEvery transaction opens to show its full details. | Individual appAvailable | Business appAvailable | Not available |
| Custom transaction categoriesTransactions are sorted into categories that can be customised. | Individual appAvailable | Business appAvailable | Not available |
| PDF receipt for any transactionGenerate a PDF receipt for a transaction. | Individual appAvailable | Business appAvailable | Not available |
| PDF receipt templatesReceipts follow templates, so every receipt has the same layout. | Individual appAvailable | Business appAvailable | Not available |
| Share PDF receiptsShare a receipt straight from the app. | Individual appAvailable | Business appAvailable | Not available |
| Repeat a transactionRepeat a past transaction without entering its details again. | Individual appAvailable | Business appAvailable | Not available |
| Spending by category, per profile and walletSee spending by category for the whole profile or for a single wallet. | Individual appAvailable | Business appAvailable | Not available |
| Activity logA log of the user’s activity in the app. | Individual appAvailable | Business appAvailable | Not available |
| Transaction list with search and filtersStaff find any transaction in a searchable, filterable list. | Not available | Not available | Back officeAvailable |
| Transaction cardStaff see a transaction’s details on a single card. | Not available | Not available | Back officeAvailable |
| Transaction management: reported, reversed, cancelledStaff handle reported transactions and reverse or cancel them. | Not available | Not available | Back officeAvailable |
| Feature | Individual app | Business app | Back office |
|---|---|---|---|
| Bulk invitationsInvite many people at once. | Not available | Business appAvailable | Not available |
| Staff management: invite, approve, block, removeBusinesses invite staff, approve or block them, and remove them. | Not available | Business appAvailable | Not available |
| Create a business profileUsers set up a business profile alongside their personal one. | Not available | Business appAvailable | Not available |
| Business profile dataThe business’s details, kept in its profile. | Not available | Business appAvailable | Not available |
| Business branchesOrganise a business into branches. | Not available | Business appAvailable | Not available |
| Business roles for usersGive each member of a business a role. | Not available | Business appAvailable | Not available |
| Dashboard layout by roleEach role sees a home screen suited to its work. | Not available | Business appAvailable | Not available |
| Switch between personal and business profilesMove between a personal profile and a business profile in the same app. | Not available | Business appAvailable | Not available |
| Role shiftsSupport for role shifts among a business’s staff. | Not available | Business appAvailable | Not available |
| Business reportsReports on the business’s activity, in the business app. | Not available | Business appAvailable | Not available |
| Business user list with search and filtersStaff find any business user in a searchable, filterable list. | Not available | Not available | Back officeAvailable |
| Business user cardStaff see a business user’s details on a single card. | Not available | Not available | Back officeAvailable |
| Create, manage and delete business usersStaff create, update and delete business users from the back office. | Not available | Not available | Back officeAvailable |
| Feature | Individual app | Business app | Back office |
|---|---|---|---|
| Catalogue of goods and servicesGoods and services listed in the app for users to browse. | Individual appAvailable | Business appAvailable | Not available |
| Catalogue CMSManage catalogue items and their content in a CMS. | Individual appAvailable | Business appAvailable | Not available |
| Catalogue searchUsers search the catalogue. | Individual appAvailable | Business appAvailable | Not available |
| Map of nearby merchantsA map of merchants and points of interest. | Individual appAvailable | Business appAvailable | Not available |
| FavouritesUsers save favourites to find them again quickly. | Individual appAvailable | Business appAvailable | Not available |
| Feature | Individual app | Business app | Back office |
|---|---|---|---|
| Crowdfunding campaigns: create, manage, contributeUsers start campaigns, manage them and contribute to other people’s campaigns. | Individual appAvailable | Not available | Not available |
| Crowdfunding landing page (web)A web page for a campaign that can be shared outside the app. | Individual appAvailable | Business appAvailable | Not available |
| Feature | Individual app | Business app | Back office |
|---|---|---|---|
| Fee and total preview before payingUsers see the fee and the total before they confirm a payment. | Individual appAvailable | Business appAvailable | Not available |
| Payment routingPayments follow the routing rules set for the product. | Individual appAvailable | Business appAvailable | Not available |
| Wallet limitsWallets carry limits on the amounts they can handle. | Individual appAvailable | Business appAvailable | Not available |
| Credit limitsA wallet can be given a credit limit. | Individual appAvailable | Business appAvailable | Not available |
| Fee and routing managementStaff set fees and routing rules from the back office. | Not available | Not available | Back officeAvailable |
| Feature | Individual app | Business app | Back office |
|---|---|---|---|
| Notification centreAll of a user’s notifications in one list. | Individual appAvailable | Business appAvailable | Not available |
| Push, SMS and email notificationsNotifications go out by push, SMS or email. | Individual appAvailable | Business appAvailable | Not available |
| Payment notificationsUsers are told when money moves in or out. | Individual appAvailable | Business appAvailable | Not available |
| Profile, verification and security alertsUsers are told about changes to their profile, verification and security. | Individual appAvailable | Business appAvailable | Not available |
| Action notificationsNotifications about actions in the account. | Individual appAvailable | Business appAvailable | Not available |
| News CMSPublish news to users inside the app. | Individual appAvailable | Business appAvailable | Not available |
| Help centre CMSManage the in-app help content. | Individual appAvailable | Business appAvailable | Not available |
| Legal documents CMSManage the legal documents users see in the app. | Individual appAvailable | Business appAvailable | Not available |
| Legal documents landing page (web)Legal documents published on a web page. | Individual appAvailable | Business appAvailable | Not available |
| Support request list with search and filtersStaff find support requests in a searchable, filterable list. | Not available | Not available | Back officeAvailable |
| Support request cardStaff review each support request on a single card. | Not available | Not available | Back officeAvailable |
| Article list with search and filtersStaff find articles in a searchable, filterable list. | Not available | Not available | Back officeAvailable |
| Create, edit and publish articlesStaff write, edit and publish articles in the marketing CMS. | Not available | Not available | Back officeAvailable |
| Article managementStaff manage the articles already created. | Not available | Not available | Back officeAvailable |
| Feature | Individual app | Business app | Back office |
|---|---|---|---|
| Staff sign-up by emailBack-office staff create their accounts with an email address. | Not available | Not available | Back officeAvailable |
| Email OTPStaff confirm their email address with a one-time code. | Not available | Not available | Back officeAvailable |
| Login by emailStaff sign in to the back office with their email address. | Not available | Not available | Back officeAvailable |
| Reset password by email OTPStaff change their password after confirming a one-time code sent by email. | Not available | Not available | Back officeAvailable |
| Restore password by email OTPStaff who forget their password restore it with a one-time code sent by email. | Not available | Not available | Back officeAvailable |
| Administrator list with search and filtersFind any administrator in a searchable, filterable list. | Not available | Not available | Back officeAvailable |
| Administrator cardSee an administrator’s details on a single card. | Not available | Not available | Back officeAvailable |
| Create, manage and delete administrator rolesDefine the roles back-office staff can hold. | Not available | Not available | Back officeAvailable |
| Create, manage and delete administratorsAdd, update and remove back-office administrators. | Not available | Not available | Back officeAvailable |
| PermissionsSet what each administrator role can see and do. | Not available | Not available | Back officeAvailable |
| End-user list with search and filtersStaff find any end user in a searchable, filterable list. | Not available | Not available | Back officeAvailable |
| End-user cardStaff see an end user’s details on a single card. | Not available | Not available | Back officeAvailable |
| Platform managementPlatform-wide settings, managed from the back office. | Not available | Not available | Back officeAvailable |
| Feature | Individual app | Business app | Back office |
|---|---|---|---|
| Colour themesUsers choose between the app’s colour themes. | Individual appAvailable | Business appAvailable | Not available |
| Languages and translationsThe app is translated, and users choose their language. | Individual appAvailable | Business appAvailable | Not available |
| Decimal display settingsUsers choose how decimals are shown in amounts. | Individual appAvailable | Business appAvailable | Not available |
| Brand and theme settingsStaff set the product’s look and feel from the back office. | Not available | Not available | Back officeAvailable |
| Feature | Individual app | Business app | Back office |
|---|---|---|---|
| Integration managementStaff manage the product’s third-party integrations from the back office. | Not available | Not available | Back officeAvailable |
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