Wallet Channels
Multi-Channel Strategy
Nav.Wallet reaches customers through three distinct channels, each optimised for a different user segment and device capability:
Mobile App (Smartphones)
A standalone Angular + Capacitor application (com.navwallet.app) distributed through the Apple App Store and Google Play Store.
- eBucks-branded colour scheme with WCAG AA contrast compliance
- Full feature set: P2P transfers, airtime, bill payments, transaction history, KYC upgrade
- Push notification support for real-time transaction alerts
- Biometric authentication (fingerprint/face) where supported
USSD (Feature Phones)
Menu-driven interface accessible via short code dial, enabling financial transactions without a smartphone or internet connection.
- 4-language support — English, isiZulu, Afrikaans, Sesotho
- 180-second session timeout with graceful transaction discard
- PIN-based authentication within each session
- Menu options: Send Money, Cash Out, Buy Airtime, Check Balance, Mini Statement, My Account
WhatsApp (Conversational)
Integration with the WhatsApp Business API enabling wallet interactions through familiar messaging.
- Interactive button messages for common actions
- PIN confirmation for sensitive transactions
- 5-second SLA for informational queries, 10 seconds for transactions
- Proactive notification delivery for opted-in customers
- Graceful fallback to human support agent on errors
Channel Comparison
| Capability | Mobile App | USSD | |
|---|---|---|---|
| Send Money | ✓ | ✓ | ✓ |
| Buy Airtime | ✓ | ✓ | ✓ |
| Pay Bills | ✓ | ✗ | ✗ |
| Full History | ✓ | Mini only | Mini only |
| KYC Upgrade | ✓ | ✗ | ✗ |
| Notifications | Push | SMS | |
| Internet required | Yes | No | Yes |
| Authentication | JWT + Biometric | PIN | Phone match + PIN |
Unified API Layer
All three channels communicate with the same Wallet API (/api/wallet/*), ensuring consistent business logic, limit enforcement, and fraud detection regardless of the access method.