Our Features

e-Mal Digital Wallet App is your single point access to all financial and utility services in the e-Mal ecosystem. Users have multiple top-up and cash out options, hold fiat or multiple digital currencies, with a host of financial services like currency transfer, lending, bill payments, cards and other normal banking products in their wallets. The e-Mal Digital Wallet gives ultimate freedom to the user and truly bridges gaps between global banking and financial services and the unbanked population worldwide.

Single and Secure Payment Platform

The platform connects assets and businesses on blockchain to the real-world in a decentralised manner. Developers can develop security smart contract modules; businesses can connect their users and use cases to real-time secure payments.


e-Mal uses blockchain technology and records each transaction data in hash functions with time stamps, so that the data cannot be changed or tampered with.


e-Mal is engaged and in collaboration with exchanges and regulated by relevant authorities to ensure that all transactions are legal and valid.


As data cannot be overwritten, data manipulation is extremely impractical, thus e-Mal secures data and eliminates centralised points that cybercriminals often target.

e-Mal Digital Wallet services

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e-Mal Financial Hub (e-Mal Fin-Hub)

The Financial Hub provides the users with the platform to access all financial services under the e-Mal financial ecosystem.

The main features are as follows:

  • e-Mal Transfers
  • e-Mal Peer to Peer
  • e-Mal Smart Loans
  • e-Mal Smart Savings
  • Salary Card
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e-Mal Utility Hub (e-Mal U-Hub)

The Utility Hub is a one-stop solution for all your utility needs, whether it be your phone bills, electricity bills or a simple top-up for an international call.

The main features are as follows:

  • e-Mal Bill Pay
  • e-Mal Recharge
  • e-Mal Top Up
  • Special Offers
Transfer Funds

e-Mal Information Hub (e-Mal Info-Hub)

The Information Hub provides the users with news and updates that they can use, trust and share amongst family and friends.