The first step of the digital modernization of your bank.
Production wallet, omnichannel hub and transactional platform for banks that need to accelerate their digital layer, with coexistence with the banking core and without depending on its timeline.
Four fronts the bank activates on our infrastructure.
Each can be operated separately or combined. The choice depends on which piece of the bank's digital program you want to accelerate first.
Bank-branded wallet
Consumer app with the bank's brand. QR payments, transfers, card management, benefits and digital onboarding. In production within weeks, not years.
- iOS and Android app, bank-branded
- KYC with Renaper integrated
- Notifications and biometrics
Acceptance network under the bank's control
Bank-branded terminals at partnered merchants. Physical POS, SoftPOS, interoperable QR, payment links. Full control of the network.
- Physical POS + SoftPOS QR
- Network's interoperable QR
- Onboarding and merchant management
Benefit programs and public policy
Cashbacks, provincial benefits, corporate programs and social assistance channeled on the bank's own infrastructure — without depending on third parties.
- Provincial and national programs
- Cashbacks and promos by category
- Automatic settlement
Merchant credit on proprietary data
Loan origination to merchants using the bank's transactional data. Scoring on real cash flow, not traditional credit bureaus. To grow the portfolio on its own base.
- Scoring on transactional flow
- Origination from the backoffice
- Collection via acquiring
Three layers. The bank decides what it takes and what it outsources.
Each operation is resolved by combining three components. The choice defines the bank's commercial model and regulatory perimeter.
The bank's.
The bank operates under its own BCRA authorization. Propago provides the infrastructure on which the bank transacts.
Propago Core.
Processing, issuing, reconciliation, risk, operational compliance and reporting on Propago Core's homologated stack.
Bank or group.
The sponsor role is assumed by the bank itself, or by a financial entity within the group. Float and margins stay within the desired perimeter.
This flexibility lets a bank with its own license operate everything under its perimeter, or a bank building its digital layer outsource parts and bring them in-house over time.
Three ways the conversation comes up.
Existing benefits program leaving the spreadsheet.
A provincial bank with a cashback program running on spreadsheets and manual reports migrates it to its own wallet and acceptance network. Benefits channeled in real time, automatic reconciliation, proprietary data to design the next batch.
Network of partnered merchants asking for acquiring.
A commercial bank with an SMB merchant base launches its own acquiring — physical POS, QR, payment links — without building infrastructure. Merchants migrate to operating under the bank's brand; the bank gains transactional flow to originate credit.
Bank processing its own PSP authorization.
A bank that needs an autonomous fintech unit with its own PSP/PCP authorization operates under Propago's license as sponsor while it processes its own. Migrable without rewrite — the bank takes on the license once BCRA approves.
From the first conversation to commercial launch.
Typical timeline for an acquiring + wallet program. Actual duration varies with scope — but the first milestone is always the model discovery.
Functional analysis and operational design
- Functional scope
- Operating model (license · sponsor)
- Bank integrations mapping
Technical integration
- Connection to the banking core
- Renaper KYC onboarding
- Brand setup on wallet + backoffice
Pilot phase
- Production wallet with test users
- POS terminals at pilot merchants
- Live monitoring dashboards
Commercial launch
- Public bank-branded wallet
- Operating acceptance network
- Active benefits program
Scale and new verticals
- Merchant credit on proprietary data
- New programs and segments
- Progressive license migration (if applicable)
Let's talk about the bank's digital program.
A first 30-minute meeting to understand which piece of the digital program to start with.
Schedule a meeting