Own your ecosystem instead of renting space on someone else’s.
Agmo Group helps enterprises and government agencies design, build and scale branded e-wallets and superapps that drive revenue, loyalty and data ownership.

With a team of more than 250 local talents, ISO certified and CMMI ML3 appraised, Agmo is one of Malaysia’s leading homegrown e-wallet and superapp development partners – trusted by major brands and state agencies.

Why Your Business Should Have Its Own E-Wallet

A branded e-wallet is more than a payment feature – it’s the engine of your digital ecosystem.

Key business benefits:

• Own the customer relationship – no dependence on third-party wallets or marketplaces.
• Increase loyalty and repeat spending – points, cashback, vouchers and memberships all in one place.
• Create new revenue streams – fee-based services, subscriptions, partner campaigns and upsells.
• Monetise first-party data – understand behaviour, frequency, locations and preferences for smarter marketing.
• Unify online and offline – use the same wallet in outlets, events, showrooms, kiosks and e-commerce.
• Streamline operations – simplify refunds, settlements, reconciliation and reporting.

Whether you’re in automotive, retail, F&B, telco, finance or public sector, a custom e-wallet lets you build a closed-loop ecosystem around your brand.

Case Study: Perodua P Circle – Mobility-as-a-Lifestyle Superapp

Perodua’s P Circle is a next-generation mobility and lifestyle superapp that puts payments, rewards and services into a single experience for Malaysians.

Key highlights:

• P-Duit e-wallet for seamless payments across Malaysia, with a strong focus on EV charging payments.
• Mobility-as-a-Service (MaaS) experiences – from EV charging locations and services (P-Charge) to remote vehicle monitoring (P-Guardian).
• Lifestyle ecosystem – original entertainment content, smart-home integration, health and calendar features unified under one app.

P Circle shows how an automotive brand can go beyond just a loyalty app to create a full mobility and lifestyle superapp anchored by its own e-wallet.

Case Study: YONO – Sabah’s State-Owned Financial Superapp

YONO (“You Only Need One”) is a state-owned financial superapp by Sabah Credit Corporation for the Sabah State Government, designed to empower citizens and support local businesses.

Key highlights:

• YONOPay e-wallet with a high wallet limit (up to RM10,000) and deep integration with Sabah Pay.
• One-stop access to financing, insurance, investments and bill payments in a single app.
• Used as an official channel for state assistance and grant programmes, such as Sentuhan Kasih Rakyat Sabah, allowing beneficiaries to easily check and receive support digitally.

YONO demonstrates how a government-linked institution can use a superapp + e-wallet to drive financial inclusion, digital aid distribution and economic development at state level.

White-Label E-Wallets Powered by Fasspay

Agmo partners with Fasspay to deliver white-label e-wallet solutions that are fast, compliant and scalable.

Through this partnership, you get:

• Regulated wallet infrastructure and payment rails from Fasspay.
• Custom front-end, UX and features designed and developed by Agmo.
• Faster time-to-market compared to building everything from scratch.
• Flexibility to add loyalty, instalments, financing, campaigns and more as you grow.

This combination powers real-world deployments such as P Circle and YONO, showing how we bring together regulatory-grade infrastructure with product innovation.

Why Choose Agmo Group for Your E-Wallet & Superapp

Proven on large-scale deployments

• Experience delivering superapps and e-wallet ecosystems with automotive OEMs and state government agencies.
• Deep know-how across payments, loyalty, mobility, grants, financial services and citizen services.

Largest homegrown digital team in Malaysia

• More than 250 local talents across product, UX, mobile, backend, cloud, AI and QA.
• One of the largest homegrown software teams in Malaysia, giving you depth for long-term support and continuous feature rollouts.

Enterprise-grade quality and governance

• ISO certified and CMMI ML3 appraised – disciplined processes, predictable delivery and strong quality control.
• Built-in focus on security, scalability and compliance for regulated industries and public sector.

Local, end-to-end support

• Strategy, discovery, UX, architecture, development, integration, testing, security hardening and ongoing support – all under one roof.
• A team that understands Malaysian regulations, payment ecosystems and user behaviour.

Flexible paths to launch

• Brand-new custom e-wallet and app.
• White-label wallet implementation with Fasspay.
• Superapp enhancement by adding wallet, loyalty and financial modules to your existing app.
• Pilot/MVP first to validate business case and adoption.

Is This for You?

Talk to us if you are:

• A brand or enterprise wanting your own e-wallet or loyalty wallet.
• A state/government agency planning a citizen superapp or digital aid platform.
• A platform owner or ecosystem player who wants to own the payment and reward layer.
• A corporate innovation or digital team exploring superapp strategies and closed-loop payments.

Let’s Turn Your E-Wallet Idea into a Live Product

Here’s how we typically work with clients:

1. Discovery & Strategy – clarify your goals, use cases, regulatory considerations and success metrics.
2. Solution & Roadmap – choose the right path (custom build vs white-label vs superapp extension).
3. Design & Build – UX, development, integration with payment providers, testing and go-live.
4. Scale & Optimise – expand features (loyalty, campaigns, lending, BNPL, cross-partner rewards) and optimise based on real data.

Ready to Build Your Own E-Wallet or Superapp?

If you want to:

• Launch a branded e-wallet for your customers or citizens.
• Increase loyalty, frequency and basket size.
• Own your data, ecosystem and payment rails instead of relying on third parties.

Get in touch and our team will prepare specific use cases and a proposed rollout plan for your organisation.

Email: [email protected]

Let’s build your e-wallet and superapp – and turn it into a real engine for revenue, loyalty and long-term customer relationships.