LDX

MONY

Your wallet. Your brand.

A complete white-label e-wallet platform. The app, admin console and merchant panel are yours to name, colour and configure. The payments infrastructure underneath is already built.

Built for fintechs launching new products, banks modernising digital offerings, telcos adding payments to their ecosystem, and retailers collecting through a branded wallet with loyalty.

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E-wallet by LDX

Launch under your brand, without building the core yourself

Most operators want a wallet customers recognise as theirs, plus the back office to run it and a merchant side to collect through it. Building that from scratch means years of payments infrastructure, compliance, settlement and three different products stitched together later.

Mony is a white-label mobile e-wallet built by LDX. Money moves between people instantly, merchants are paid by QR or nearby device, and bills, top-ups and withdrawals settle in the same app. Underneath sit the parts most wallets leave out: multiple wallets per person, joint and child accounts, AI bill splits, saving goals and a monthly read of where the money went.

  • Your brand, end to end

    App name, logo, colours and copy are yours. Customers experience your brand, never Mony's.

  • Three fronts, one platform

    The customer app, admin console and merchant panel run from one application, split by role.

  • A phone number is the account

    No card and no branch visit: registration is a number, a one-time code and a PIN, with verification in the app.

100%

Your brand, not ours

60+

App features shipped

30

Admin screens

03

Consoles, one engine

What the customer app does

One wallet for paying people, paying businesses, saving and managing a household's money, ready to launch under your own brand.

> Move money

Send and request by contact, voice or QR. Move funds between wallets, deposit and withdraw via linked bank or crypto checkout.

> Pay a business

Merchant pay by till, QR or request. Pay nearby over Bluetooth, settle bills with autopay, or open a payment link.

> Many wallets, one account

Main, mini, joint and child wallets under a single login, each with its own balance, limits and statement.

> AI splits that finish

Photograph a receipt, calculate each share, request payment and track who still owes until the bill is settled.

> Fundraise

Raise for care, a funeral, a repair or an emergency. Invite contacts only, land contributions in a wallet you already own.

> Loyalty & rewards

Every payment can earn points at that merchant automatically via PLUS. No second app, no till entry.

> Saving goals & insights

Goals with auto-save, cashback conversion, and an AI spend brief of the month with merchants and categories.

> Family & security

Child logins with parent controls, PIN and biometrics, privacy blur, login alerts and session timeout.

Admin console and merchant panel

  1. 01

    Command centre

    Live platform health, KPI wall, throughput and outstanding work so anything awaiting a decision surfaces without being searched for.

  2. 02

    Onboarding, tiers & offers

    Customers, merchants and agents with KYC and KYB reviews. Nothing transacts unverified. Tiers set daily and monthly ceilings.

  3. 03

    Money movement

    One searchable ledger across every movement, fee rules and FX live without a release, billers and autopay for support and finance.

  4. 04

    Settlement & audit

    Settlement runs authorise money leaving the platform. Reconciliation, payouts, reporting and audit logs for month-end close.

Who runs Mony in practice

Fintechs

A wallet, a ledger and a pricing model ready to launch under your own brand, without building core banking infrastructure yourself.

Banks

A digital channel built to satisfy compliance from day one: verified onboarding, tiered limits and full oversight as part of the platform.

Telcos & retailers

Telcos add airtime, data and utility bills plus a cash agent network. Retailers collect by QR or link, run promotions and follow revenue in the merchant panel.

What every audience gets underneath

  1. 1

    Bank-grade security

    Encryption, fraud monitoring and compliance controls built in, not bolted on.

  2. 2

    Real-time reporting

    Every wallet, transaction and settlement visible the moment it happens.

  3. 3

    Fast to launch

    Configured to your brand and commercial terms, not built from zero.

  4. 4

    Dedicated support

    An LDX team on hand through launch and every release after it.

Also in the merchant panel

  • Revenue, transactions and approval-rate health over 7 to 365 days
  • Shareable payment links and QR against the merchant ID
  • Offers moving draft to active, paused and expired
  • Loyalty enabled from a starter template in one step
  • Payment history with refunds against the original
  • Exportable transaction, revenue and customer reports
  • Staff logins with the same account protections as admin
  • Four wallet types: main, mini, joint and child

See MONY in action

Book a walkthrough with our team. We will map MONY to your stack, your rules and your launch timeline.

Request a demo

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