Most companies launch e money platforms with a clear goal: they want to be at the center of their customers’ daily spending. But shortly after launch, many encounter the “Leaky Bucket” problem. You work hard to get users to top up their accounts, only to watch that money flow out of the system as quickly as it arrived.
This happens because most e-money platforms are built only for speed, not for staying power. When all of a user’s money sits in one big, unorganized pile in an app, they treat it like loose cash. Once it’s gone, it’s gone.
The Problem: The High Cost of Unstructured Balances
When your e-money engine only supports a single, undifferentiated balance, you are limited in how you can shape user behavior. Without the ability to separate or earmark funds:
- Retention is low: Money flows out as quickly as it flows in.
- Engagement is transactional: Users open the app to pay, then close it for a month.
- Data is shallow: You know what they spent, but you don’t know what they are planning for.
To build a sustainable e-money business, you don’t just need a payment tool; you need a way to give that money purpose.
Giving Money a “Job” to Do
To help your users stay engaged, your e-money platform needs to do more than just move money; it needs to help them manage it. This is why we have introduced Pockets—a brand-new feature within our e-money platform.
Pockets allows your users to divide their main balance into dedicated spaces for different goals. When a user gives their money a “job”—whether it’s for a specific purchase or a long-term goal—their relationship with your app changes. It stops being a revolving door for payments and starts being a financial tool they check every day.
A Collaborative Way to Grow
By offering a more organized way to hold money, we can help you strengthen your business from the inside out:
- Natural Retention: When users earmark funds for a future purpose, those balances stay in your system for weeks or months instead of minutes. This plugs the “leak” and builds a more stable ecosystem.
- Connecting Users to Value: When users organize their money into categories, it becomes easier for you to see what services they might need next. Instead of sending random promotions, you can ensure your platform surface-levels the most relevant rewards or partner discounts that actually help them reach their goals faster.
- Support for the Whole Family: Parents can provide their children with a supervised digital space to manage their own spending. This helps you establish a relationship with the next generation of users by providing a practical tool for the whole family.
Focus on Your Business, We’ll Handle the Infrastructure
Building a system that can handle organized balances and automated saving rules is a massive technical undertaking. If you try to build this from scratch, your team could spend a year or more just trying to get the plumbing right.
We offer a proven technical core that is already performing in the real world. By choosing our white-label engine, you aren’t starting from zero. You get a mature system—complete with Pockets, loyalty tools, and revenue-sharing models—ready to go. This leaves your team free to focus on what only they can do: building your brand, securing your licenses, and growing your community.
Let’s build an e-money ecosystem that users want to keep. If you’re looking for a partner to help you move past the “Leaky Bucket” and build a more sustainable ecosystem, contact us. Let’s explore how our platform can support your vision.