Loading…
Loading…
A wallet that works on a ₹1,200 keypad phone with no data pack — money transfers, bills, recharges and cash at any ATM.
Free, no-obligation consult — just a real person.
Official ERPNext Partner
In business since 2011 · 200+ clients
Picture the counter of a small shop in a town an hour off the highway. The customer wants to pay digitally. She has a phone — a keypad phone, the kind that holds a charge for four days and has never seen an app store. There is no data pack on it, and the signal outside is one bar on a good afternoon. Every payment app in the country is written for someone else's handset. So she pays in cash, the shopkeeper makes change from a drawer, and the entire digital payments boom happens somewhere over her head.
That gap is the whole problem Queue Off was built to close. Queue Off is an open-loop digital wallet platform developed in partnership with Equitas Small Finance Bank, designed from the first line of the brief for a country where, at the time, nearly three-quarters of users could not access smartphone-based payment apps. Rather than build another beautiful app for people who already had five, the platform was designed to meet users on whatever they were holding: a feature phone, a smartphone, or a plastic card.
Acube built it end to end — the SIM-toolkit wallet that puts a working payments menu inside a basic handset with no internet connection, the Android and iOS apps for smartphone users, the prepaid card integration that lets a wallet balance be withdrawn as cash at any ATM, and the backend that holds all three together with merchant management, KYC enforcement, loyalty and compliance controls.
In business since
Clients served
ERP projects
Work by referral
| Client | Queue Off |
| Location | India |
| Industry | Digital financial services — payments & micro-banking |
| Engagement | Offline-first open-loop e-wallet platform, in partnership with Equitas Small Finance Bank |
with secure digital payments, when every mainstream wallet assumes an app store and a touchscreen.
, over the SIM toolkit, for feature phones in regions where connectivity is intermittent at best.
so a wallet balance could actually be turned into cash.
across feature phones, smartphones and prepaid cards, so it stayed one wallet rather than three disconnected products.
across merchants, rewards, KYC and transaction volume — with the compliance posture a bank partnership demands. > The cost of staying as-is: a payments product that only runs on a smartphone quietly excludes the customers a small finance bank most wants to reach. Financial inclusion doesn't fail on intent — it fails on the handset.
A multi-channel wallet platform with three front doors and one ledger behind them. The design principle throughout: the customer's device decides the interface, never the capability.
| Capability | What it gives you |
|---|---|
| SIM-toolkit wallet | An embedded wallet menu inside the SIM toolkit, so feature-phone users check balance, transfer money and pay bills without an internet connection — no app, no data pack, no smartphone. |
| Android & iOS apps | Secure smartphone apps supporting the same wallet functions, plus richer features the small screen of a keypad phone can't carry — loyalty tracking and bill history. |
| Prepaid card integration | Wallet balances linked to reloadable prepaid cards, so users withdraw cash from any ATM — the bridge between a digital balance and a cash economy. |
| Online transactions | Peer-to-peer transfers, utility payments, mobile recharges, travel bookings and EMI payments from a single wallet balance. |
| Loyalty & rewards | Merchants issue loyalty points and rewards directly through wallet transactions, turning a payment rail into a retention tool. |
| Merchant directory | Populated through the app and the admin dashboard, so wallet-to-merchant discovery and payment are seamless on both sides of the counter. |
| Admin dashboard & compliance | Transaction monitoring, merchant management, KYC enforcement, compliance controls and reward configuration in one operational console. |
| Training, rollout & support | Field staff and end users onboarded with tutorials and hands-on support, across both the digital-native and feature-phone segments. |
Building a payments product for a market that isn't all on smartphones? Call +91 62358 66111 or WhatsApp us.
The platform is live and in pilot with Equitas Small Finance Bank — so this is a capability story rather than a scale one, and we will describe it as exactly that. What matters here is what was proven to work:
| Delivered | What it proves |
|---|---|
| A regulated bank partnership | Equitas Small Finance Bank built its wallet on this platform — the diligence that comes with a licensed institution was applied to the architecture, not just the interface |
| Payments with no internet | Balance checks, transfers and bill payments completing over the SIM toolkit, on handsets that could never run a payments app |
| Wallet to physical cash | Prepaid card issuance and ATM withdrawal against the same wallet balance |
| One wallet, three ways in | A single consistent experience across feature phones, smartphones and cards, rather than three disconnected products |
| Room to grow | An architecture built for merchant onboarding and expanding micro-banking services as the pilot widens |
The meaningful achievement is one of eligibility. A customer does not need to upgrade her phone, buy a data pack or find a signal in order to send money to her family, top up a recharge or pay an electricity bill. The wallet reaches the handset she already owns — and when she needs physical cash, the same balance comes out of an ATM.
That is the hard part, and it is done. Most wallets are an app for people who already have five; very few work over a SIM toolkit with no connection at all.
The constraint was the design brief, not an obstacle to work around. A SIM-toolkit interface gives you a handful of characters and a numeric keypad — no images, no gestures, no room for a wrong turn. Getting that right took the same UX discipline as the smartphone app, applied in the opposite direction: strip every step that isn't essential, make every prompt unambiguous, and assume the user will never read a help page. The smartphone app could then carry the richer features without the two channels drifting into different products.
The second decision that mattered was building the backend and the compliance layer as one system rather than bolting governance on after launch. A wallet operating alongside a small finance bank has to satisfy KYC, monitoring and transaction-control obligations on day one — so merchant management, KYC enforcement, transaction monitoring and reward configuration were built into the same admin platform, not distributed across tools.
And we stayed for the rollout. A payments product succeeds or fails at the moment a first-time user tries it on a keypad phone in a shop, so field staff and end users were trained with tutorials and hands-on support across both segments. That is the same approach we bring to every engagement — process first, adoption treated as delivery, and support that continues well past go-live.
Official ERPNext Partner
Yes — that is precisely what Queue Off does. The wallet is embedded in the SIM toolkit, so users on basic keypad handsets can check their balance, transfer money and pay bills without a data connection or an app. It is the difference between a payments product that serves a market and one that serves only its smartphone half.
Through prepaid card integration. Wallet balances are linked to reloadable prepaid cards, so a user can withdraw cash at any ATM. For customers in largely cash economies, that bridge is what makes a digital balance genuinely usable.
One wallet. The SIM-toolkit interface, the Android and iOS apps and the prepaid card all draw on the same balance and the same backend. The device determines how the customer interacts with it, not what they can do.
Built in from the start, as a bank partnership requires. The admin dashboard covers transaction monitoring, merchant management, KYC enforcement, compliance controls and reward configuration in one place, rather than compliance being added as a layer after launch.
Yes. Merchants can issue loyalty points and rewards directly through wallet transactions, and the merchant directory is maintained through both the app and the admin dashboard — so discovery, payment and reward all happen in the same flow.
With the constraints, not the screens. Decide first what has to work on the least capable device and the weakest connection your customers actually have, then design outward from there. We'll map that with you before any code is written — and it usually reshapes the product for the better.
Get a clear plan, an honest timeline, and a fixed scope. Talk to a real expert today — whether or not you work with us.
Kochi (Kadavanthra & Infopark) · Thiruvananthapuram · across India & overseas · In business since 2011