Whitelabel E-Wallet Development – Your #1 Homegrown Partner in Malaysia
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:
Discovery & Strategy – clarify your goals, use cases, regulatory considerations and success metrics.
Solution & Roadmap – choose the right path (custom build vs white-label vs superapp extension).
Design & Build – UX, development, integration with payment providers, testing and go-live.
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.
