On your website, it is mentioned, “e-Wallet solution (stored Value)- does not imply that a software wallet is provided. That is optional and comes under iOS & Android App or White-Label Website”. Can you please provide more details on this?

The E-Wallet is the ability to hold client funds indefinitely and not as a payment institution for STP. It does NOT come with any software. That is a separate subject matter altogether. The basic difference between STP and E-Wallet is the ability to custody funds indefinitely. 

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