Digital Wallet Development
Multi-currency wallets with instant funding, transfers, and reconciliation your finance team can actually trust.
Financial infrastructure for modern African businesses.
We design and build secure, production-ready fintech platforms. Digital wallets, payment infrastructure, banking systems, AI-powered business software, and enterprise applications for startups, banks, and telecoms.
- 0+
- Platforms shipped
- 0+
- Years engineering
- 0%
- Uptime delivered
Elasto Ledger
Payments · Live
Wallet balance
₦8,412,900
•••• 4921+12.4%
Volume · 7d
₦42.1M
Recent transactions
Settled
- Transfer · GTBank+₦120,000
- Airtime · MTN VTU-₦2,500
- Virtual acct · Fund+₦540,000
POST/v1/transfers200 OK
{ "amount": 120000, "currency": "NGN",
"status": "success" }Trusted to build the systems that move money for teams across Africa
Digital BanksPayment StartupsTelecom OperatorsMicrofinance BanksVTU ProvidersInsurance FirmsAgency NetworksEnterprise ITDigital BanksPayment StartupsTelecom OperatorsMicrofinance BanksVTU ProvidersInsurance FirmsAgency NetworksEnterprise IT
Core Solutions
Everything a financial product needs, built by one team.
We don't assemble templates. We architect the wallets, payment rails, and banking systems that your business runs on, with security and scale designed in, not bolted on.
VTU Platform Development
Airtime, data, and utility platforms built to handle peak-hour traffic without dropping a single transaction.
Payment Gateway Integration
Card, transfer, and USSD rails wired into one dependable checkout with clean settlement reporting.
Virtual Account Systems
Dedicated NUBAN accounts at scale so every customer payment is matched automatically, in real time.
Agency Banking Solutions
Field-ready agent networks with cash-in, cash-out, and commission engines that keep operations honest.
Banking Applications
Core banking, onboarding, and ledgering systems engineered to survive audits and grow with your book.
Bill Payment Platforms
Aggregated biller networks with retries and dispute handling, so payments land the first time.
AI Automation
Fraud scoring, support copilots, and back-office automation that cut manual work and losses.
Cloud Infrastructure
Resilient, cost-aware infrastructure with observability baked in from day one.
Enterprise Software
Internal platforms and integrations that connect your business without the vendor lock-in.
How We Build
A disciplined process for systems that can't fail.
Financial software has no room for guesswork. Our process is built around correctness, security, and accountability at every stage.
- 01
Discovery & architecture
We map your product, compliance needs, and transaction flows, then design a system architecture built to scale before a line of code is written.
- 02
Secure engineering
Microservices, hardened APIs, and payment integrations built with security reviews and automated testing at every step.
- 03
Integration & QA
Sandbox parity, load testing, and end-to-end reconciliation checks ensure the platform behaves exactly as it will in production.
- 04
Launch & partnership
We ship with observability, CI/CD, and runbooks, then stay on as a long-term technical partner as you grow.
Industries
Where our engineering makes an impact.
From regulated banks to fast-moving startups, we build the infrastructure that regulated, high-volume businesses depend on every day.
Fintech
Wallets, payments, lending
Banking
Core & digital banking
Telecommunications
VTU & value-added services
Insurance
Policy & claims platforms
Healthcare
Records & payments
Government
Revenue & citizen services
Logistics
Tracking & settlements
Education
Fees & campus systems
Retail
Commerce & checkout
Enterprise
Internal platforms
Technology
A deliberate engineering stack.
We choose technology for reliability and longevity, not novelty. Every layer is battle-tested in high-throughput financial systems.
01
Backend & Services
NestJSSpring BootNode.jsPostgreSQLRedisRabbitMQ
02
Frontend & Mobile
ReactNext.jsReact NativeTypeScript
03
Infrastructure & DevOps
DockerKubernetesAWSAzureGoogle CloudCI/CD
04
Applied AI
OpenAIClaudeGeminiVector Search
Powering Our Stack
The banks, payment rails, and cloud providers we build and integrate with.
Products We Own
We don't just build for clients. We ship our own.
The best proof of an engineering company is the products it runs itself. These are live, paying platforms built and operated by Elasto.
Client Work
Platforms we've designed and shipped for clients.
Beyond our own products, we partner with companies to build production systems that are live and serving real users today.
Private
Healthcare
Crown Jewel HMO
Health management platform
A health management platform for HMO operations, member enrolment, and claims administration.
Private
Human Resources
Forte GCC
Company HRM platform
A human resource management platform for workforce operations, employee records, and people management.
Why Elasto
An engineering company, not an agency.
We're measured by the systems we ship and the money they move safely, not by pixels. This is what that discipline looks like in practice.
Production-ready architecture
Systems designed to run under real load, not just demo well.
Security-first engineering
Threat modelling, encryption, and reviews built into the workflow.
Scalable cloud infrastructure
Elastic, observable, and cost-aware from the first deploy.
Microservices architecture
Independently deployable services that grow without rewrites.
High-performance APIs
Low-latency, idempotent endpoints your partners can rely on.
Payment integrations
Card, transfer, USSD, and biller rails wired in cleanly.
Modern frontend experiences
Fast, accessible interfaces that feel premium.
Native mobile applications
iOS and Android apps engineered for reliability.
DevOps & CI/CD
Automated pipelines, testing, and safe, frequent releases.
Long-term partnership
We stay after launch, maintaining, scaling, and evolving.
In Their WordsPSProduct leadDigital payments company
“Elasto rebuilt our wallet ledger from the ground up. For the first time, our balances reconcile to the naira, every single day. They think like a banking engineering team, not an agency.”
0+
Platforms shipped to production
0+
Years building financial systems
0%
Ledger reconciliation accuracy
0/7
Systems monitored and supported
FAQ
Questions, answered.
Still deciding whether Elasto is the right engineering partner? Start here.
We build custom systems. Every wallet, payment platform, and banking application is architected around your product, compliance requirements, and scale, never a template.
Yes. We integrate card, transfer, USSD, and bill-payment rails, issue virtual NUBAN accounts, and work with the processors and banks your business relies on.
Security is designed in from day one: encryption in transit and at rest, threat modelling, audit logging, and engineering practices aligned with PCI-DSS and financial-grade standards.
Both. We help early-stage startups ship their first production platform and help banks and enterprises modernise existing systems.
We stay on as a long-term technical partner, monitoring, maintaining, scaling, and evolving the platform with observability and CI/CD already in place.
It depends on scope, but most fintech platforms move from architecture to production in a matter of weeks to a few months, delivered in reviewable milestones.