Digital Wallet & Payment
TYOWLT — Digital Wallet & Payment
The consumer account and wallet foundation for account opening, deposits, transfers, payments, personal settlement and supported USSD operations across connected communities.
SaaS / On-PremiseProduct role
A consumer account and payment foundation
TYOWLT is a digital account, employee-wallet and industrial-park payment foundation for account opening, balances, deposits, transfers, QR payment, supported USSD access and connected bill payment. It gives consumers, platform teams and authorized dealers interfaces suited to their roles rather than forcing every task into one application.
For supported deployments, consumers can use a mobile application or a USSD channel for wallet operations. Authorized dealers can assist with account opening, deposits and related services through web and mobile tools. TYOMGT is the dealer operations application inside TYOWLT; it is not a separate core TYO product.
Product interfaces
See the work behind the system.
Representative web and mobile interfaces show how each product supports its defined operating role.
Web interfaces
1 / 6Subscriber administration
Mobile applications
1 / 3Consumer USSD service
Where it fits
Account access across consumer and assisted channels
TYOWLT separates consumer self-service, assisted dealer work and platform administration so that each participant sees the tools needed for their role. The available channel set can be selected for the market and deployment.
Consumer wallet access
Consumers can manage supported account, balance, transfer and payment activities through the mobile experience, with USSD available where the deployment enables it.
Dealer Network & Real-Time Commission
Manage platform employees or third-party dealers, configure multiple commission methods, and let dealers receive commission in real time as they develop account and deposit business.
Connected Bill Payment
Connect public-agency or merchant billing services so consumers can pay supported bills, while authorized TYOBIZ staff can review bill-payment status in real time.
Business capabilities
Core Features
Consumer Account Services
Support account opening, identity-related information, account management, balances and financial records.
Wallet, Transfer and Payment
Give consumers mobile access to supported wallet services, transfers, payments and transaction records.
USSD Consumer Access
Provide supported wallet, transfer and payment operations through a lightweight USSD channel.
Dealer Network & Real-Time Commission
Manage platform employees or third-party dealers, configure multiple commission methods, and let dealers receive commission in real time as they develop account and deposit business.
Connected Bill Payment
Connect public-agency or merchant billing services so consumers can pay supported bills, while authorized TYOBIZ staff can review bill-payment status in real time.
Dealer Operations App
TYOMGT provides mobile dealer access and remains an application within TYOWLT.
Payment-Related APIs
Connect supported payment and third-party life-service scenarios through defined interfaces.
Administration and Controls
Manage users, roles, dealers, rates, business controls, logs and supported operational statistics.
Operational scope
- Consumer Account Services
- Wallet, Transfer and Payment
- USSD Consumer Access
- Dealer Network & Real-Time Commission
- Connected Bill Payment
- Dealer Operations App
Interfaces and users
- Platform administration for account and dealer management
- Dealer web operations for assisted account services
- Consumer mobile wallet application
- Consumer USSD channel in supported deployments
- TYOMGT dealer operations application
Designed for local operating models
A TYOWLT deployment can combine the relevant consumer, dealer, administration and integration interfaces. The precise payment providers, financial institutions, account rules, tariffs and transaction routes are configured for the verified commercial and regulatory context.
Mobile and USSD access can serve different device and connectivity conditions without implying that every deployment uses every channel. Integration can connect approved payment or service endpoints through defined interfaces while retaining clear account ownership and operating boundaries.
Accounts and payments connected to daily services
TYOWLT can connect consumer accounts and supported payment services with business scenarios such as public-agency or merchant bill payment. Dealers extend assisted account and deposit services through web and mobile tools, while TYOBIZ staff can review connected bill-payment status for their organization.
Ready to Launch TYOWLT?
Get a custom payment solution tailored to your community's needs.
Request Demo