Wallet

What Wallet does

Wallet Inc is a US-based cloud SaaS company founded in 2014 and headquartered in Thousand Oaks, California. Its core product, the Wallet Platform, combines CRM, marketing, loyalty, messaging, and digital payments into a single centralized system that lets B2C merchants issue branded, link-delivered digital wallets to their customers — without requiring an app download or hardware. The platform distributes proprietary digital payment objects including static vouchers, dynamic vouchers (real-time decrementing), merchant credits, gift cards, and advertisement credits (QR-code-based closed-loop marketing), and supports tiered club memberships, SMS/MMS marketing with a ChatGPT-powered help desk, POS and e-commerce integrations (Toast, Clover, Agilysys, Shopify, WooCommerce, Wix), and Apple Wallet / Google Wallet pass distribution. A private blockchain ledger module and a documented API plus an SDK in 17 programming languages extend the platform to enterprise and integration-oriented customers.

The company monetizes through module-based monthly subscriptions ($19.99-$499.99 per module), tiered annual SLAs (Basic through Concierge), one-time certification fees for developer ($5K-$50K) and agency ($5K-$250K) partners earning 10-60% affiliate commissions, professional services at $299.99/hour, and a white-label option for larger resellers. Its go-to-market combines product-led self-serve onboarding, inside sales, certified channel partners, and active participation in industry conferences and PR placements (NBC, CBS, FOX, MarketWatch, USA Today). Wallet Inc targets verticals including retail, food & beverage, hospitality, gaming/casinos, grocery, entertainment, and service providers, and claims compliance with GDPR, CCPA, HIPAA, PCI DSS, ISO 27001, SOC 2, and TCPA among other frameworks, supporting entry into regulated segments. Leadership is founder-led, with John Turnham serving as CEO and recognized as a 2022 "Trailblazing CEO." Note: The 100M+ user figure and certain 2025-2026 crypto partnerships (Elliptic, Kraken, Asterium, Backed, xStocks) are associated with a separately identified product ("Wallet in Telegram") and may not be attributable to Wallet Inc's core SaaS business.

Name

Wallet

Legal name

Wallet Inc.

Website

https://wallet.inc

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

11–50 employees

Short description

Wallet Inc is a cloud-based SaaS platform that lets B2C merchants in retail, food & beverage, hospitality, gaming, and entertainment deliver branded digital wallets with loyalty, marketing, messaging, and payment tools to customers via SMS link — no app download required.

Ownership category

akta.pro rank

Product category

Customer Lifecycle Management Software

NAICS

Credit Card Issuing (52221)

SIC

Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Digital Wallet Platforms (Consumer & Merchant) (BPAMAFAC)

akta.pro secondary industries

Embedded Wallets (Platforms & Marketplaces) (FSAMAEAM), Merchant / Closed-Loop Wallets (Retail & Marketplace) (FSAMAEAF)

Keywords

• Customer lifecycle management
• Digital loyalty platform
• Mobile wallet software
• SaaS CRM platform
• Customer retention software

Headquarters

HQ city

Thousand Oaks

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Others

Revenue model

1. SaaS Subscription - Platform Fees: The company operates on a SaaS subscription model where businesses pay for access to the Wallet Platform. The platform offers various modules and features that can be added based on business needs. No upfront hardware costs or long-term contracts required.
2. Module-based Add-ons: Additional revenue from premium modules and features including advanced API access, SDK, white-label solutions, advanced RBAC, advanced SLA, Ecommerce integration, and Point-of-Sale integration. Each feature has individual pricing.
3. Developer Certification Program: Revenue from certifying external development teams. Tiers include Platinum ($50K), Gold ($25K), Silver ($10K), and Bronze ($5K). Includes affiliate commissions of 10-35% on client revenue.
4. Agency Certification Program: Revenue from certifying marketing agencies. Tiers include Platinum ($250K), Gold ($100K), Silver, and Bronze levels. Includes affiliate commissions of 10-60% on client revenue.
5. Professional Services: Additional development and marketing services available for organizations with unique integration needs. Charged at $299.99/hour.

Pricing tiers

Go-to-market motion4 records

Distribution channels7 records

Marketing channels8 records

Core offering

Wallet Inc. distributes a cloud-based SaaS platform that enables businesses to create branded digital wallets for their customers, accessible via text-message link with no app download required. The platform combines CRM, marketing, loyalty, messaging, and digital payments into a single centralized system, supplemented by add-on modules including SMS/MMS marketing, club memberships, point-of-sale integration, dynamic vouchers, gift cards, Apple Wallet/Google Wallet passes, and analytics. It serves B2C-facing businesses across retail, food & beverage, hospitality, gaming, entertainment, grocery, and service-provider verticals.

Product overview

Wallet Inc offers a cloud-based SaaS platform combining CRM, Marketing, Loyalty, Messaging, and Digital Payments into a single centralized system. The core Wallet Platform is supplemented by add-on modules including Customer Relationship Management, Marketing & Loyalty, SMS & MMS Marketing (with ChatGPT AI chatbot), Payments (featuring Ad Credits, Dynamic Vouchers, Merchant Credits, and Static Vouchers), Club Memberships, Point of Sale integration, Dashboard analytics, Company Info customization, Analytics, and Settings & Security with RBAC. Key integrations include Apple Wallet, Google Wallet, Shopify, Wix, WooCommerce, Zapier, and Point-of-Sale systems. The platform also offers specialized certifications for developers (Certified Developer Program) and marketing agencies (Certified Agency Program), as well as add-on services like API/SDK access, White-Labeled deployment, and Blockchain Ledger for advanced auditing.

Differentiator

Problem solved

Functional benefit

Products and services

• Wallet Platform Cloud-based SaaS platform that lets B2C-facing businesses create branded digital wallets for their customers, combining CRM, marketing, loyalty, messaging, and digital payments with real-time analytics. Targeted at retail, food & beverage, hospitality, gaming, entertainment, grocery, and service-provider businesses.
• Certified Developer Program Developer certification program with Platinum ($50K), Gold ($25K), Silver ($10K), and Bronze ($5K) tiers that certifies external teams in Wallet Platform API and SDK implementation. Includes lifetime certification with annual renewal option and affiliate commissions of 10-35% on referred client revenue.
• Certified Agency Program
• Merchant Mobile Scanner Standalone mobile application available on Windows, iOS, and Android that enables merchant front-line employees to scan and process customer-presented discounts, vouchers, and payments from digital wallets.
• Professional Services On-demand custom development and marketing services billed at $299.99 per hour for organizations with unique integration, customization, or go-to-market needs beyond the standard platform offering.

Quantifiable outcome

• Acquiring a new customer costs 500% more than retaining an existing one
• +3 more outcomes

Segments7 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

AI capability2 records

Feature8 records

Partnerships

20 partnerships are on record, tiered core, platinum, gold and silver.

• AsteriumcoreStrategic or Co-development Partner · 5 March 2026Largest Uzbek cryptocurrency exchange partnering with Wallet in Telegram for the US Market pilot launch in Uzbekistan. Asterium provides regulatory support and local market expertise under supervision of the National Agency for Projects and Programs (NAПП). The pilot enables users to invest in tokenized US stocks and ETFs.
• KrakencoreTechnology or Integration · 5 March 2026Major cryptocurrency exchange as a partner in the US Market service. Kraken provides infrastructure for the xStocks platform enabling tokenized US securities trading within Telegram for users in Uzbekistan.
• BackedcoreTechnology or Integration · 5 March 2026Company acts as the issuer of tokenized assets (tokenized US stocks and ETFs including Apple, Tesla, Netflix, Amazon, and S&P 500 ETFs) for the Wallet in Telegram US Market service.
• xStockscoreTechnology or Integration · 5 March 2026Underlying technology platform powering the US Market service, enabling investment in over 60 tokenized US stocks and ETFs with minimum investment starting from $1.
• EllipticcoreTechnology or Integration · 20 November 2025Blockchain analytics and compliance provider integrating wallet screening and risk intelligence capabilities. Provides real-time screening, behavioral monitoring, and entity identification covering over 1 million addresses and 115 actors across multiple chains including Bitcoin, Ethereum, Tron, and TON.
• StripeplatinumTechnology or IntegrationPlatinum technology partner providing payment processing infrastructure for the digital wallet platform.
• AWS (Amazon Web Services)platinumTechnology or IntegrationPlatinum partner providing cloud infrastructure hosting the Wallet SaaS platform.
• AppleplatinumTechnology or IntegrationPlatinum partner with Apple Wallet integration allowing subscribers to receive and house offers on iOS devices with real-time updates.
• TwilioplatinumTechnology or IntegrationPlatinum partner providing SMS and MMS messaging infrastructure for customer communications.
• GoogleplatinumTechnology or IntegrationPlatinum partner with Google Wallet integration allowing subscribers to receive and house offers on Android devices with real-time updates.
• ShopifygoldTechnology or IntegrationGold partner with ecommerce integration allowing customers to redeem digital wallet items during online shopping.
• WooCommercegoldTechnology or IntegrationGold partner with WordPress/WooCommerce ecommerce integration.
• ZapiergoldTechnology or IntegrationGold partner with Zapier integration enabling workflow automation across platforms.
• ClickFunnelsgoldTechnology or IntegrationGold partner enabling marketing funnel integration with the Wallet platform.
• WixgoldTechnology or IntegrationGold partner with Wix website builder integration.
• ToastsilverTechnology or IntegrationSilver partner with POS integration for restaurant and hospitality businesses.
• CloversilverTechnology or IntegrationSilver partner with Clover POS integration for point-of-sale transactions.
• AgilysyssilverTechnology or IntegrationSilver partner providing hospitality management system integration.
• IBM WatsonsilverTechnology or IntegrationSilver partner with AI/watson integration capabilities.
• Gaming Laboratories International (GLI)silverTechnology or IntegrationSilver partner providing gaming laboratory testing and certification services for casino and gaming industry compliance.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Thanx: Thanx is a customer engagement and loyalty platform focused on restaurants and retail, using card-linked offers and integrated payments. Comparable to Wallet Inc. in digital loyalty, customer engagement, and merchant analytics.
• Yotpo: Yotpo is an ecommerce marketing platform combining reviews, loyalty, SMS marketing, and subscriptions for retail and consumer brands. Comparable to Wallet Inc. across SMB/mid-market retail and the marketing-loyalty-messaging stack.
• Spendgo: Spendgo is a customer loyalty and marketing platform serving restaurants and retail, with branded mobile apps and POS integrations. Directly comparable to Wallet Inc. in offering structure and vertical focus.
• TapMango: TapMango provides customer loyalty, rewards, and marketing automation for SMB retailers, restaurants, and merchants. Closely comparable to Wallet Inc. in target customer (SMB), feature set (loyalty, offers, SMS), and pricing model.
• Como: Como (formerly Como Sense) provides customer engagement, loyalty, and digital solutions for SMB retailers, restaurants, and hospitality chains. Comparable to Wallet Inc. across CRM-loyalty-membership functionality.
• Punchh: Punchh is a leading customer loyalty and engagement platform purpose-built for restaurant and retail chains. Direct competitor to Wallet Inc. in the restaurant and retail verticals, offering similar CRM-loyalty-marketing-messaging functionality.
• Paytronix: Paytronix provides guest engagement, loyalty, and online ordering for restaurants and hospitality chains. Comparable to Wallet Inc. across the restaurant and hotel/hospitality verticals with overlapping CRM, loyalty, and gift card functionality.

Broad incumbents

• Toast: Toast is a dominant restaurant POS and management platform with bundled loyalty, gift cards, and marketing features. Comparable to Wallet Inc. as a restaurant technology incumbent with overlapping loyalty/marketing/CRM capabilities and POS integration.
• Block (Square): Block (Square) provides payments, point-of-sale, and a broad suite of merchant software including loyalty, marketing, and CRM. Comparable to Wallet Inc. as a much larger incumbent covering the SMB merchant engagement stack.

Emerging players

• Antavo: Antavo is an enterprise loyalty cloud platform serving global retail and fashion brands. Comparable to Wallet Inc. in loyalty mechanics but with a more enterprise-centric, less SMB-focused go-to-market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/wallet_inc
• LinkedInlinkedin.com/company/wallet-inc

Compliance12 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Wallet