NextGen Issuance is a prepaid wallet and card issuance platform designed for banks, fintechs, and partners to launch card programs with flexible fees, controls, multi-wallet support, and real-time transaction processing. Supports dual settlement modes, blockchain-based and traditional ledger, with integration hooks for core banking and financial systems.
NextGen Issuance integrates externally with your core banking or financial systems for customer and account management, giving you the freedom to innovate without disrupting existing infrastructure. Launch card programs with configurable BINs, multi-wallet hierarchies, and dual settlement modes. Whether you settle on blockchain or traditional database-based ledger, the platform handles fees, compliance hooks, and real-time balance management out of the box.
Issue virtual and physical prepaid cards with configurable BINs, card art, controls, limits, and expiry policies. Design multiple card programs with different fee rules, currencies, and use cases such as gift cards, corporate expense, and payroll.
Seamlessly integrate with external systems via API hooks, including core banking, CRM, or third-party customer onboarding. Create one-to-many wallet structures with isolated balances, supporting multi-tier hierarchies: Provider, Partner, Agent, Customer. Enforce transaction policies, per-transaction and daily limits, and KYC/AML compliance through configurable integration hooks.
Support load, transfer, and spend flows between accounts and wallets with clearly defined operations in both blockchain and database modes. Auto-generate encrypted wallets using BIP-39 mnemonics with secure key storage and real-time balance queries. Integrate traditional authorization processing for standard card acceptance at POS and e-commerce terminals. Enable Web3 wallet connectivity for on-chain ETH transactions and DeFi interoperability.
Blockchain mode: Represent balances using an ERC-20 token on Ethereum with smart-contract settlement, gasless transactions via EIP-712, and on-chain transaction history. Database mode: Use high-speed PostgreSQL virtual accounts and a software ledger for instant settlement and structured reporting.
Configure fee programs for customers, agents, and partners, including percentage fees, slabs, and fixed charges. Automate commission distribution and revenue sharing through virtual accounts for agents, partners, and platform providers.
Security and compliance by design. Built on microservices architecture with API-first backend, database, messaging, and IAM with clear separation between entity, transaction, and core banking services. PCI-DSS-ready design with audit logging, transaction monitoring, and integration hooks for KYC/AML and fraud detection systems.
Launch card products faster by using prebuilt building blocks for programs, fees, and wallets instead of custom flows.
Offer innovative blockchain-backed cards while preserving existing ledger and compliance processes.
Unlock new revenue streams through flexible fee and commission models with clear and auditable settlement across participants.
Reduce operational risk with restricted transaction patterns and strong validation rules directly embedded in the platform.
Contact our team to discuss how NextGen Issuance can support your card program and wallet infrastructure.