TradEdge Smart Wallets & Multi-Account Infrastructure is the backbone of financial flows across the informal sector. From a single trader’s daily sales to large-scale government programs, the wallet engine enables compliant collections, controlled payouts, settlements, and multi-party disbursements – all in one secure environment.
Built for banks, MDAs, associations, and development partners, this infrastructure turns raw financial activity into transparent, traceable, and auditable transactions – while making it easy for traders and market actors to receive money, save, and grow.
Every wallet and account is fully integrated into the TradEdge identity layer, ensuring that every transaction is tied to a real, verified person or group – not a ghost record.
Personal, business & program wallets on a single profile.
Levy, dues, subscriptions & revenue collections.
Bulk payments & structured disbursements to beneficiaries.
Audit-ready trails for governments, donors & regulators.
The informal economy moves billions of naira every day – but most of it is invisible, unrecorded, and difficult to channel into impactful programs. TradEdge Smart Wallets make those flows visible, programmable, and trusted.
Traders, artisans, farmers, and transporters do not need complex banking knowledge. Wallets are created in a guided, human way – via field agents or digital onboarding – using familiar ID and basic details.
Governments and institutions can configure how funds move – which wallets receive disbursements, what can be withdrawn, how much can be earmarked, and what must be spent with specific partners.
Every transaction can be traced: who received what, when, and under which program. This reduces leakages, supports audits, and provides decision-makers with clear evidence of real impact on real people.
TradEdge Smart Wallets are built to handle everyday transactions, market realities, and program-scale flows – without losing ease-of-use for the end user.
Each user can operate multiple wallets: personal, business, savings, project-based, or program-specific – all under one verified profile, with clear separation of flows.
Wallets can be linked to partner bank accounts and debit cards, enabling cash-outs, POS usage, and merchant payments while keeping program controls in place.
Support for levy collections, dues, ticketing, subscriptions, and bulk disbursements – including automated rules for sharing funds between government, associations, and partners.
Fine-grained permissions for MDAs, program officers, association executives, and auditors – ensuring that every actor sees and does only what they are authorized to.
Designed to support the unique financial flows of Nigeria’s informal sector while delivering program-grade transparency for governments and institutions.
Traders can receive payments, save daily contributions, pay levies, and run business transactions without visiting a bank branch.
Unions and cooperatives manage pooled funds, welfare accounts, emergency support wallets, and contribution tracking all in one place.
MDAs can disburse intervention funds, grants, support schemes, and targeted subsidies with full tracking, reporting, and audit trails.
Transport unions, markets, and LGAs can collect ticketing fees digitally with automated settlements and transparent reconciliation.
Savings pockets, daily contributions, and microfinance partnerships allow traders to grow capital and access credit.
DFIs and NGOs can deploy traceable financial support to targeted beneficiaries with built-in verification, monitoring, and fraud prevention.
Nigeria’s informal sector represents over 65% of the national workforce and contributes significantly to economic output — yet the majority remains financially underserved. TradEdge Smart Wallets bridge this gap by providing:
Built on a verified identity layer, every transaction is tied to real people or entities. This creates unprecedented insight and trust between citizens, institutions, and the government.
Whether you are a state government, association, cooperative, donor agency, transport union, or market authority — TradEdge provides the infrastructure you need to run transparent, secure, large-scale financial operations.
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