Wallet & System of Record
Closed-loop or card-linked wallets, a system of record and customisable UX.
Explore Wallet & System of Record →
MINT Fintech Platform / by TechMojoBuild, run and expand
your financial services.
MINT is TechMojo’s configurable fintech platform for wallets, payments, cards, remittance and fraud intelligence. Launch through low-code/no-code capabilities, integrate with existing banking and third-party card-issuing systems, and customise the platform and UX around your business.
BuildLow-code / no-codeExpandMulti-currencyConnectAPIs + SDKs
Explore MINT
One platform. Capabilities for your use case.
Explore the wallet and system of record, card experiences, remittance, fraud intelligence and deployment options.
Cards & Wallet Provisioning
Open- and closed-loop prepaid cards, configurable funding and controls, KYC and wallet provisioning.
Explore Cards & Wallet Provisioning →Remittance
Customisable transfer journeys, shaped around your markets and integrations.
Explore Remittance →MINT Sentinel
Device and transaction fraud intelligence with a continual learning loop.
Explore MINT Sentinel →Integration & Deployment
APIs, SDKs, third-party issuer integration and on-premises or cloud deployment.
Explore Integration & Deployment →A new financial service should not require a new platform every time. MINT Fintech Platform brings reusable capabilities into one foundation, so teams can spend more time on the customer experience and less time rebuilding common services.
Low-code. No-code. Less repetition.
Use configuration-led capabilities to shape supported products and journeys. Extend through code and integrations where the business needs something specific.
Ready for demanding workloads.
A scalable foundation for growing customer volumes and concurrent financial operations. Capacity and latency targets are agreed and validated for each deployment.
Work with what you already have.
APIs and SDKs connect MINT capabilities to existing banking applications and payment ecosystems, reducing the work needed to introduce new services.
Build beyond one market.
Multi-currency and internationalisation capabilities support financial products across markets, with experiences adapted to local languages and requirements.
Connected by designYour systems.
Your systems.
Your UX.
Your deployment.
Deploy on-premises or in the cloud, with controls shaped around your regulatory markets. Customise the UX and bring digital capabilities into your own application. MINT Fintech Platform provides SDK and API integration paths for services such as wallet provisioning, virtual cards and token lifecycle management, helping teams handle ecosystem differences behind a consistent experience.
ChannelsYour banking and fintech applicationsIntegrationSDKs and APIsDeliveryConfigure, connect and extend
Financial capabilities
Start with the services your customers need.
Bring together capabilities for cards, wallets, payment security and everyday financial journeys. Select the modules and integrations that fit your product and market.
Put payment choice in your app.
- In-app provisioning. Enable supported cards to be added to Apple, Google and Samsung wallets.
- Virtual cards. Support disposable and multi-use cards, with configurable spending limits and validity.
- Gift cards. Add gift-card capabilities to your financial offering.
Protect the payment journey.
- 3D Secure. Support cardholder authentication for online payments.
- Dynamic CVV. Use changing security codes to help reduce exposure from static card credentials.
- Credential solutions. Bring payment credential services into a connected application experience.
Make ongoing payments manageable.
- Token lifecycle management. Give customers visibility and supported controls to activate, suspend, resume or delete payment tokens.
- Subscription management. Help customers understand and manage recurring card-payment relationships.
Extend the offering.
- Remittance. Add money-transfer capabilities to supported customer journeys.
- Crypto services. Explore digital-asset services where the product, partners and local permissions support them.
- MINT Sentinel. Evaluate fraud risk before a sensitive operation completes.
Availability depends on the selected modules, issuer and payment-system integrations, and market requirements.
MINT Sentinel / real-time fraud intelligenceUnderstand the risk.
Understand the risk.
Before the action completes.
Money transfers are only one point of exposure. Beneficiary additions, credential changes and card operations also need a decision informed by the customer’s wider context.
MINT Sentinel is a multi-tenant fraud detection platform that evaluates customer, device, session, IP, behaviour, transaction history and connected entities in real time. It returns an overall risk score, a recommended decision and explainable reason codes. The bank decides how to proceed. A continual learning loop uses confirmed outcomes to inform ongoing detection improvements.
Apply known controls.
Tenant-specific rules and thresholds evaluate deterministic fraud patterns and contribute risk-score adjustments.
Find connected risk.
Relationships across customers, devices, IPs and beneficiaries reveal suspicious clusters, shared infrastructure and potential mule activity.
Learn patterns. Spot anomalies.
Supervised learning recognises patterns from bank-confirmed outcomes. Unsupervised learning flags behaviour that differs from the norm, even without fraud labels.
Combined risk score + reason codesALLOW / CHALLENGE / BLOCKRecommendation from Sentinel · authority with the bank
MINT Fintech Platform supports regulated financial services through security and control capabilities such as payment authentication, token lifecycle visibility and explainable fraud recommendations. Configuration and integration are shaped around the institution’s operating requirements.
Multi-currency and localisation provide a foundation for expansion. Each market’s regulatory obligations, payment-scheme requirements and deployment controls still need to be assessed for the intended service.
INTELLIGENCE WITH ACCOUNTABILITYRules establish explicit controls. Graph and machine learning add evidence. The institution retains decision authority.
Sentinel combines deterministic rules, graph intelligence and traditional supervised and unsupervised ML. Its ML engine uses XGBoost and Isolation Forest; its graph engine uses Neo4j. The platform’s intelligence does not depend on a generative model making the final banking decision.
How we engageStart with a financial journey.
Start with a financial journey.
Build for what comes next.
Define
Agree the customer journey, target markets, volumes and controls.
Configure
Select the capabilities and shape the supported product experience.
Integrate
TechMojo engineers work with your team to connect applications and services.
Validate
Verify the journey, security and performance against agreed acceptance criteria.