Built With Fintech-Grade Security
The One Product That Sells Into Every Other Account
A wallet isn't just another vertical — it's an add-on for clients you've already closed. A cooperative already running the Cooperative Platform can add member wallets for dividend payouts. A school on School Management can add a parent-to-student allowance wallet. A franchise on the Food ERP can add a branded loyalty wallet across outlets. Every existing IJE client is a warm second conversation — and a second commission.
A Complete Digital Wallet, Ready to Demo
Show your prospects these features live at ccash.ijesoft.app — send real money between two demo wallets and watch it land instantly.
Instant Wallet-to-Wallet Transfers
Idempotent, amount-validated money transfers between wallets with a customer-facing reference number. A duplicate submission — a double-tap, a retried request — resolves safely to the original transaction, never a double-charge.
Cash In / Cash Out
Demo-ready cash in/out flows, built on the same ledger as every other transaction — the foundation you connect to GCash, Maya, bank transfer, or over-the-counter rails when a client is ready to go live.
Email OTP + Authenticator 2FA
Registration and login protected by email one-time codes or a TOTP authenticator app with QR-code enrollment. Argon2id password hashing and short-lived JWTs with Redis-backed refresh tokens underneath.
Per-Viewer Transaction History
Every transfer shows the right direction — money in or out — and a masked counterparty depending on who's looking. One customer's full name and number are never exposed to the other side of a transfer.
Real-Time Notifications
Balance and transaction updates push instantly over WebSocket, fanned out across worker processes over Redis so every open device — phone, tablet, browser tab — stays in sync the moment money moves.
KYC Document Upload
Customers upload government ID for verification, with an admin review queue ready to gate wallet limits and transaction ceilings as you roll out tiered access.
PIN-Protected Wallets
Every wallet carries its own transaction PIN, stored and ready to enforce as a second confirmation step on transfers — an extra layer beyond login 2FA.
Admin Dashboard
User management, wallet oversight, and full transaction visibility in one console — so your client's operations team can support members without touching the database.
Built to Extend
Clean domain-driven architecture (auth, wallets, transactions, notifications, admin) makes it straightforward to add QR payments, bills payment, buy load, or bank transfer rails as a scoped custom build for a specific client.
Your Best Prospects
Start with organizations already moving money manually between members — dues, refunds, allowances, payroll — especially your existing IJE clients on another product.
Cooperatives & Credit Unions
Give members their own wallet for dividends, patronage refunds, and peer transfers — a natural upsell alongside the Cooperative Platform's existing GCash/Maya QR disbursement flow.
Campuses & Schools
Cashless canteen, school fees, and allowance transfers between parent and student wallets — pairs directly with the School Management platform's parent portal.
HOAs & Subdivisions
Association dues collection and resident-to-resident payments without cash handling on-site — complements the Service Dispatch platform already selling into the same HOA accounts.
Franchise & Retail Networks
A branded loyalty wallet customers top up and spend across every outlet — a strong companion sale next to the ERP/POS systems already running their stores.
SMEs & Employers
Disburse payroll or reimbursements straight into an employee's wallet instead of a bank transfer — a natural extension for any HRIS & Payroll client.
Diaspora & Community Organizations
Associations and community groups that move money among members regularly — remittance-adjacent use cases where a closed-loop wallet beats a spreadsheet and a group chat.
From Demo to Commission
Send Real Money in the Demo
Log into ccash.ijesoft.app with the seeded demo accounts and send a transfer between two wallets live in front of your prospect. Watch the notification land instantly on the other wallet — nothing sells a wallet like seeing money move in real time.
Open Demo →Log the Referral in Your CRM
In IJE CRM, create a new lead with product set to 'Digital Wallet Platform'. Note whether they want it standalone or bundled with an existing IJE product they already use. Takes 2 minutes.
Submit Referral →We Scope the Cash Rail
We reach out within 24 hours and scope which cash-in/cash-out rail fits the client — GCash/Maya API, bank transfer, or over-the-counter partner — plus any custom features like QR payments or bills pay.
Earn Your Commission
Wallet implementations range from ₱400K to ₱2M+ depending on scale and integrations. At 10% commission, that's ₱40K to ₱200K+ per close — paid per milestone.
Get Your CRM →What You Earn Per Referral
10% of total project value, paid per milestone as the client pays.
Requires a free IJE CRM account