Transaction systems & digital wallets
End-user and agent wallets with balance management, transaction journals, double-entry accounting, dispute handling, and reconciliation against external processors.
We build trust into every transaction.
Hepi Tech designs, builds and runs transaction platforms, digital wallets and integrations for organisations that can’t afford to get money movement wrong. Fifteen years of telecom-grade engineering. High-volume platforms in production. Zero tolerance for a lost transaction.
| Account | Debit | Credit |
|---|---|---|
| Operator float | 10’000.00 | |
| Customer wallet | 9’950.00 | |
| Fee income | 50.00 | |
| Total | 10’000.00 | 10’000.00 |
| Difference | 0.00 |
- Experience
- 15+ years
- Based in
- Geneva, Switzerland
- Core capability
- Transactions and wallets
- Channels delivered
- USSD, SMS, APP, POS, WEB
- Engagement
- Advisory, build & run, partnership
Built for organisations that move money at scale.
We focus on the parts of your stack where correctness isn’t optional — where every ledger entry, every wallet balance, every reconciliation batch has to be right.
Mobile money & telecom integrations
Direct integration with Mobile Money operators, telco billing, SMS/USSD gateways, and carrier-grade transaction layers. Built on 15 years inside telecom systems.
End-user & agent channels
Native Android & iOS apps, USSD/SMS menus, and Android POS terminal software. One transaction backbone, every channel customers actually use.
Analytics & operational dashboards
Advanced dashboards built on Grafana and Elasticsearch — real-time transaction monitoring, reconciliation health, business KPIs, and alerting for operations teams.
Backoffice & administration
Role-based administration consoles for channels, users, agents, products, and operational workflows. Built so your team can run the business without calling engineering.
IT setup & long-term maintenance
Infrastructure design, deployment and long-term operations. Remote-first and across time zones, from Europe to West Africa.
A transaction system your customers and agents can both trust.
The brief we keep solving: an institution needs to move value between end-users, agents, and external payment rails — reliably, auditably, across every channel its customers actually use.
We build the full stack: a core ledger with double-entry accounting and wallet balances, integrations with Mobile Money operators for top-ups and payouts, channel-specific front-ends (app, USSD, SMS, POS), and a backoffice where operations can investigate, reconcile, and act.
The same architecture that powers a national-scale distribution network — with customer wallets, agent wallets and POS-based retail — applies directly to digital banking, micro-insurance, agent banking, social transfers, and any system where accounts, transactions, and multi-channel access are the foundation.
- End-user channels
- Agent channel
- Transaction core & wallets
- Mobile money & banking rails
- Reconciliation & backoffice
- Analytics & alerting
Discover
Map flows, actors, rails, and regulatory constraints before writing a line of code.
Design
Ledger model, wallet schema, integration contracts, and channel UX — validated with stakeholders.
Build
Iterative delivery with full CI, staging parity and production-grade testing.
Operate
Monitoring, reconciliation, incident response, and long-term evolution of the platform.
A focused practice, built to partner.
Hepi Tech is a Swiss engineering firm based in Geneva, founded in 2023 by a senior systems engineer with fifteen years inside telecom and payment systems integration — the world where uptime is measured in nines and every message has to be accounted for.
We work senior-to-senior and remote-first: you deal directly with the engineer who designs and builds your system. No account managers, no hand-offs. For larger scopes, we bring in vetted specialists around the project.
Today we help run high-volume mobile money platforms in West Africa. Our engineering background spans telecom operators, banks, insurers and public institutions, and that is where we are headed next: organisations that need a partner who understands both the engineering and the business of money movement.
Three ways we work together.
Engagement structures chosen to match how you actually operate — not how consultants like to bill.
Fixed-term advisory
Mandates with a defined scope and a clear end date, from a few weeks to several months: architecture reviews, integration audits, platform selection or a specific technical build. Senior-led, no overhead theatre.
Fixed term, defined scope, senior
Build & run
We design, deploy and maintain your platform over the long term, under a clear SLA or a fixed annual retainer. You run the business; we keep the systems running.
Retainer, SLA, maintenance
Outcome-based partnership
For a new product or channel, we can co-invest engineering and share in the results: revenue-share or hybrid models, agreed case by case. Best when we both back the outcome.
Long-term, aligned, case by case
Tell us what you’re trying to build.
Whether you’re scoping a new wallet platform, modernising a legacy transaction stack, or simply want a second set of eyes on an architecture — we’d like to hear from you.
info@hepi-tech.com- Response time
- < 48 hours
- NDA
- On request