Wallet & Payments
Detailed flows for wallet funding, management, and withdrawals.
Virtual IBAN
ANB VIBAN
Unique per user, permanently linked
Funding Methods
Transfer & Card
Bank transfer or Mada/Credit Card
Withdrawal
Verified IBAN
Only to pre-verified personal accounts
Option A: Bank Transfer
1User copies VIBAN from App
2Transfers from Personal Bank
3Funds arrive in Omnibus Account
4System detects & credits Wallet
Option B: Online Payment
1User selects Amount & Card
2Payment Gateway processes charge
3Gateway settles to Omnibus Account
4System credits Wallet instantly