Overview
Geidea Wallet is a mobile-first financial control center, giving merchants real-time access to their earnings, instant POS settlements, and seamless employee spending management, all from their phones.
As one of Saudi Arabia’s leading fintech innovators, Geidea serves merchants across KSA, Egypt, and the UAE. Backed by major regional private equity and trusted by global tech and payment partners, Geidea collaborated with Blink22 to bring a digital-first, business-grade wallet to market, one that would eliminate settlement delays, reduce manual financial tasks, and empower merchants to make faster decisions.
Technologies Used
Technologies Used- React Native
- Node.js
- PostgreSQL
- AWS
Timeline
2+ years (delivered projects: 10 projects)
Category
- Fintech
- B2B Merchant Services
- Digital Payments
- Merchant Wallet
Platforms
- iOS
- Android
App Links
Initial Requirements
Geidea approached Blink22 to build a modern merchant wallet tailored to small and medium businesses, enterprise retailers, and their employees. The objectives were clear:
Instant payouts for POS transactions to improve cash flow.
Prepaid business cards to enable faster, safer spending.
Centralized dashboards for insights and control across multiple stores and teams.
With strict compliance requirements (PCI-DSS, SAMA, AML, and fraud prevention) and a growing regional merchant base, Geidea needed a development partner capable of delivering secure, scalable fintech platforms.
Challenge
When we began, Geidea faced several critical barriers to creating a fast, merchant-first digital wallet built for daily business use:
Cash flow friction: Traditional settlement cycles meant merchants waited up to two days to access POS funds.
Fragmented financial tools: There was no single platform for payouts, employee wallets, and business analytics.
Complex onboarding: Many merchants struggled with sign-ups, authentication, and wallet activation.
High compliance bar: PCI-DSS, SAMA, and AML regulations required robust security and privacy by design.
Need to scale: The platform had to support a wide range of merchant types, from single-store shops to enterprise-level retailers.
Approach
Blink22 led the end-to-end build with a merchant-first design approach and an engineering strategy optimized for security and growth.
Human-centered UX: We mapped real merchant journeys to simplify onboarding, card activation, and daily wallet use, including full Arabic and English support.
Secure, scalable architecture: We built the wallet core, settlement APIs, and compliance-ready security layers from the ground up, ensuring performance under high transaction loads.
Integrated financial ecosystem: Unified card management, employee wallets, and actionable dashboards into a single mobile-first experience.
Iterative delivery: Frequent stakeholder workshops, compliance reviews, and hands-on demos kept product, business, and tech teams aligned.
Data-driven design: Advanced dashboards and analytics empowered merchants to track sales, payouts, and cash flow with confidence.
Solution
We delivered a mobile-first wallet platform designed for instant access, effortless control, and complete financial mobility:
Seamless Onboarding & Authentication: Quick sign-up via email/phone, biometric login, PIN protection, and one-time access for employees.
Instant Payouts & Cash Flow Access: Immediate settlement from POS sales, helping businesses unlock working capital faster.
Prepaid Card Management: Issue and activate Mastercard or Visa cards, set PINs, block, freeze, or replace cards instantly, and manage employee wallets securely.
Actionable Dashboards & Reporting: Real-time balance tracking, payout histories, and sales analytics across multiple stores and channels.
Employee Access & Spending Controls: Business owners can assign wallets, set limits, and monitor team spending.
Multi-language Experience: Arabic and English support with right-to-left UX for accessibility across markets.
Outcome
Our collaboration resulted in a fast, secure wallet ecosystem that puts cash flow freedom and financial control directly in merchants’ hands
Stronger cash flow control: Merchants can move from waiting days for settlements to accessing funds instantly, empowering better financial planning.
Smarter, safer spending: Built-in prepaid card controls, employee access levels, and fraud-aware architecture give businesses confidence and flexibility.
Actionable insights: Merchants have real-time visibility into balances, payouts, and sales trends, enabling more informed business decisions.
Platform built to scale: Geidea is now positioned to expand features, add new markets, and onboard more merchants while maintaining security and compliance.
By solving critical payout, control, and usability challenges, Blink22 delivered a future-proof foundation for Geidea to continue leading merchant-centric fintech in the region.