The technology behind our superapp, Wally.

About Us (English)

Crediclub’s digital wallet, Wally, aims to offer every financial product that a person might need throughout their lifetime completely tonline, in the most convenient and clear way possible. We consider that our main ally is technology because it helps us scale our products to millions of customers, as well as permits us to have a rapid response to new market needs.


With Wally in the cloud and counting on our own authorizer, each of our products is supported by specific developments. Just like have a self-balanced processing capacity, we have the abilityto serve millions of clients simultaneously, in addition to having dozens of tools and specialized equipment in Machine Learning, Security and Infrastructure. In this context we create an architecture based on microservices, where each application makes use of specific developments.


The technological experience of a Wally user begins with opening an account, backed by cryptographic security and biometric identification, completely online. When opening any account, Wally has automatic verifications of the CURP (with RENAPO), the user’s voting credential (with INE) and anti-fraud lists. In addition, each voting credential is analyzed in seconds, extracting data from it with optical recognition technology, which, trained with artificial intelligence, reduces the time required for an opening by a third and increases identification security. For instance, with video calls, a record of interactions is kept, biometric validations are carried out and abnormal patterns of behavior are detected.


The current version of the digital wallet has three main services: payments, investment and credit. Related to payments, the user receives a virtual debit card with a dynamic CVV that makes it impossible to clone, in addition to several virtual cards to specifically transact in recurring businesses. Each transaction is analyzed online by an anti-fraud system based on Machine Learning and is securely documented with Blockchain technological elements.


Wally users can request simple loans, based on an immediate analysis of structured and unstructured data in our Data Lake through Machine Learning to give the user an answer in seconds. This will be a watershed in financial inclusion because it will reveal the flows of the country’s microentrepreneurs, which will in turn open up liquidity options. With these options, entrepreneurs will be able to grow their businesses and better manage their money, as has happened in countries like China in the last decade.


Wally’s operation is grounded by customer service based on a next-generation CRM, with modules supported by Bot Service and Active Directory. None of this would work if we poorly selected or poorly trained staff, which is why we also make intensive use of technology to support staffing processes and achieve the highest levels of quality of care.

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