From payments to prosperity.

Wallex turns every UPI payment into an automated micro-investment inside a regulated partner-bank framework. For the customer it is a first investing habit. For Jalgaon Janata Sahakari Bank it is a new growth engine.

See the co-branding model View the app

24.07 bn

UPI transactions in Sept 2026, worth ₹29.37 lakh crore (NPCI)

₹32,490 cr

Record monthly SIP inflows, Sept 2026 (AMFI)

~10 crore

SIP accounts contributing in Sept 2026 (AMFI)

78.5%

SIP stoppage ratio, Sept 2026: 49.7 lakh closures vs 63.3 lakh new SIPs (AMFI)

Others ask customers to find the discipline. Wallex removes the need for it.

Today’s options depend on a decision the customer must remember to make. Wallex moves investing to the one moment that already happens every day: the payment.

Manual SIP platforms
Gold-led round-up apps
Wallex
Trigger
Manual SIP platformsCustomer-initiated, once a month
Gold-led round-up appsRound-ups on UPI spends
WallexEvery UPI payment, round-up or fixed amount
Where money goes
Manual SIP platformsFund selection left to the customer
Gold-led round-up appsLargely a single asset: digital gold
WallexGoal-based containers: savings, investments, emergency, goals
Guidance
Manual SIP platformsLimited help on what, why and when
Gold-led round-up appsHabit nudges, little planning
Wallex“Why before what” education layer: explainers, calculators, guides
Bank role
Manual SIP platformsChannel or none
Gold-led round-up appsMostly outside the bank
WallexCo-brand partner, integrated at the payment and product layer
Customer control
Manual SIP platformsManual
Gold-led round-up appsApp-defined
WallexPause, adjust or withdraw anytime. No lock-ins.

Wallex is the missing layer between a payment and a portfolio.

A bank-integrated, behaviour-first platform for digitally active but under-invested customers. It does not compete with payment apps. It gives the bank a way to turn payment activity into long-term capital formation.

240 payments, 1 instalment

Sept 2026: 24.07 bn UPI transactions against about 10.06 crore SIP accounts contributing. Frequency is the unused asset.

Invest as you pay

Automatic round-ups, goal-based containers, spending intelligence and portfolio tracking in one app, starting from ₹1.

The first customer: three groups, one need

Hesitant young starters, household money managers and guided beginners of any age. People who need habit change more than product knowledge, most earning roughly ₹15–45k a month.

People do not under-invest because they earn too little. They under-invest because nobody made starting easy or clear.

Wallex began with one question most fintech apps skip: why should a person save and invest at all? These are the gaps we found, and what we are building for each.

Problem identified
What we see
Wallex solution
Payments reward spending
What we seePayment apps are built to raise transaction frequency, which works against “save first, spend what you can afford”.
Wallex solutionInvest at the moment of payment with automatic round-ups.
Awareness, not income
What we seeMany people do not know why, where or when to invest, and get little hand-holding.
Wallex solutionA “why before what” education layer: explainers, calculators and guides.
Fragmented options
What we seeRound-up apps lean on digital gold. Mutual fund platforms leave the choice and the discipline to the customer.
Wallex solutionGoal-based containers for savings, investments, emergencies and goals in one app.
Habits do not stick
What we seeIn Sept 2026, about 79 SIPs closed or matured for every 100 new ones registered (AMFI).
Wallex solutionAutomation with control: set once, pause or withdraw anytime.
No safety net
What we seePrivate-sector and self-employed people sit outside government pension frameworks, yet retirement planning stays a low priority.
Wallex solutionWhole-of-money guidance over time: saving, investing, insurance and retirement.

Three customers, one shared need: behaviour change more than investment knowledge.

Young adults

The hesitant young starter

Young adults who are scared of investing or know nothing about it.

Need: confidence, plain language, a tiny first step.
Wallex: start from ₹1, learn as you go, see control at every step.

Homemakers

The household money manager

Homemakers who run the household’s everyday spending and can build wealth through small, steady savings.

Need: simplicity, trust, small amounts that matter.
Wallex: round-ups on groceries and bills, family goals, emergency fund first.

New investors

The guided beginner, any age

New investors who need guidance and a change in money habits, not just product information.

Need: a routine that sticks, step-by-step direction.
Wallex: automation, gentle nudges and a clear plan for what, why and when.

Entry profile from our business model: UPI-first customers with irregular surplus, including salaried people earning roughly ₹15–45k a month. We are not targeting active traders or high-income investors.

Three steps for the customer. One rule for the bank: you stay in control.

UPI payment₹487

Coffee

01 Pay

₹487 for coffee

Any UPI app. Nothing changes in how the customer pays.

Rounded up to ₹500+₹13

Invested

02 Invest

₹13 rounded up

Wallex rounds to ₹500 and routes the ₹13 into the chosen goal container.

Portfolio₹24,819

Growing

03 Grow

Compounding by habit

Every payment adds to the portfolio. No SIP reminders, no manual transfers.

Behind the scenes: the bank-integrated flow

Customer UPI payment

Wallex layer

API integration · micro-allocation engine

Partner bank

KYC/AML · mandates · ledger

Regulated investment products

See the product the customer will hold, and the bank’s name on it.

Wallex
JALGAON JANATA SAHAKARI BANK × WALLEX
Turn every UPI payment into an investment.
Round-up or fixed amount
Pause or withdraw anytime
Held with registered custodians
Start with ₹1

Illustrative interface with sample data. Tap through the live app. The co-branded screen is the proposed bank-and-Wallex entry point.

Demand is built before the first rupee moves.

The founding-member waitlist is live. It builds a warm, validated audience for the bank pilot and tests messaging before launch. Framework benchmark: 500–5,000 qualified leads before Day 1.

Founding-member benefits

  • Priority access
  • Founding Member badge
  • Exclusive beta
  • Feature voting
  • Launch-day rewards
  • Referral bonuses
Open the live waitlist

Roadmap

  1. Now

    Join the waitlist

  2. Soon

    Beta access for founding members

  3. Next

    Invite friends, unlock perks

  4. Launch

    Public release across India

A three-phase launch that earns trust before it asks for scale.

Phase 1 · Pre-launch

Foundation before noise

Positioning, brand system, conversion-ready site, CRM and analytics. Five-week tease: awareness, manifesto, then launch date and waitlist.

Indicative spend

  • Brand30%
  • Site and tech25%
  • Awareness20%
  • Content15%
  • Testing10%

Phase 2 · Launch

Controlled bank pilot, then a 30-day push

Pilot cohort with the partner bank first. Then week 1 awareness, weeks 2–3 conversion, week 4 closing call.

Indicative spend

  • Paid40%
  • Influencers20%
  • PR15%
  • Content15%
  • Retargeting10%

Phase 3 · Scale

Measure, optimise, expand

Track CAC, LTV, funnel drop-off and retention. Add referrals, ambassadors, employer and gig-platform channels.

Indicative spend

  • Scaling50%
  • Content20%
  • Partnerships15%
  • Retention10%
  • Testing5%

Organic-first and trust-led: reframe the category before selling into it.

“We got used to it. No one questioned it. Until now.”

The campaign idea. One idea, one tension, one promise, understood in two seconds.

Measured by

Subscribers, cost per lead, engagement, beta sign-ups.

2–8%

Landing conversion target

25–40%

Email open rate target

Marketing focus
Core message
Where we show up
Hesitant young starters
Core message“You do not need to know everything to start.”
Where we show upShort videos and explainers, creators, Instagram and YouTube, the ₹1 start
Household money managers
Core message“Small savings from everyday spends add up.”
Where we show upWhatsApp, regional-language content, community groups, JJSB branches and WhatsApp banking
Guided beginners
Core message“Build the habit first. Learn as you go.”
Where we show upSearch content, calculators, email and WhatsApp nudges

Principle across all three: trust over hype. No FOMO, no return promises, plain words.

Controlled-mystery teaser

Cryptic posts, a manifesto, a logo fragment, then the date. No “excited to announce”.

Content-led education

Articles, explainers and calculators that answer why to save before what to buy.

Founder story and behind the scenes

Credibility through transparency, built before launch.

Referrals and community

Social proof via WhatsApp and referrals, without reward-gamification. Ambassadors after launch.

Bank co-marketing

Joint campaigns to the bank’s digital base, plus influencer seeding and PR.

A low-risk growth engine: deposits, distribution and a new customer segment for JJSB.

01

Transaction economics

Payment flow routed through the partner bank’s rails.

02

Regulated product distribution

The bank’s own shelf, reached through an engaged digital channel.

03

Lifecycle products

Insurance, cards and credit, phased in as trust and data mature.

04

Stickier balances

Habit-driven savings that build low-churn relationships with new-to-investing customers.

The model at a glance

Users

40,000 to ~152,000 by Y5

Payment value processed

₹230 cr to ₹3,834 cr a year

Bank share, 5-year cumulative

~₹42.7 cr

Mix

Lending ~60%, insurance ~13%, branding ~12%, wallet ~10%

From 15 Oct 2026 a 0.4% MDR applies to UPI merchant payments above ₹2,000. Consumers stay free. The model assumes no UPI MDR income.

Illustrative management projections, not a forecast or commitment. Revenue shares are subject to commercial negotiation, the bank’s credit and risk policy, and regulatory approval.

1979

Founded

Jalgaon

Headquarters

A trusted Maharashtra franchise meets a digital layer it does not have to build.

Founded in 1979, a scheduled bank headquartered in Jalgaon, and already offering mobile and WhatsApp banking, JJSB has the trust and the regulated base. Wallex adds a reason for customers to engage with money every day, not once a month.

JJSB brings

Trust and a regulated base

Community credibility built since 1979, accounts and KYC, the approved product shelf, existing mobile and WhatsApp channels.

Wallex brings

The digital engagement layer

UPI-native round-up engine, goal containers, app experience, education content and a pre-launch audience.

Together

A modern retail proposition

A co-branded savings-to-investing journey that gives JJSB a differentiated offer for young and first-time investors, without in-house build cost.

One customer experience, two clear roles, shared economics.

Proposed structure for discussion. The customer sees one journey, “JJSB × Wallex”, in the Wallex app and through JJSB’s own channels. Accounts sit with the bank. The experience is run by Wallex.

Responsibility
Jalgaon Janata Sahakari Bank
Wallex
Customer and accounts
JJSBKYC, accounts, UPI and mandate rails
WallexOnboarding experience, consent capture
Products
JJSBApproves and provides the regulated product shelf
WallexPresents goals and options in plain language
Technology
JJSBAPI access, security review
WallexApp, round-up engine, ledger view, analytics
Education and support
JJSBEscalation for money issues
WallexContent, chat-first first-line support
Brand and marketing
JJSBCo-brand approval, branch and channel reach
WallexCampaigns, waitlist, community, content
Compliance
JJSBPolicy owner, audit, regulatory reporting
WallexControls, logs and reporting support

Lending would follow a co-lending structure under JJSB’s credit policy, with JJSB as lender of record. All shares are starting points for negotiation.

A 90-day pilot with clear gates and an easy launch.

  1. 1

    Weeks 0–4

    Align and integrate

    Agreements, compliance review, product-shelf approval, UPI, mandate and KYC integration, co-brand assets.

  2. 2

    Weeks 5–10

    Closed pilot

    Invite-only cohort of JJSB customers plus Wallex waitlist members. Proposed size: 500 to 1,000 users, to be agreed.

  3. 3

    Weeks 11–13

    Review and decide

    Joint go or no-go on widening the cohort, then a co-marketed launch to JJSB’s digital base.

Success gates, targets set jointly

Either party can pause the pilot. Customer balances stay withdrawable at all times.

  • Activation rate
  • Auto-invest opt-in
  • Average monthly round-up
  • 90-day retention
  • Complaint rate
  • Mandate failure rate

Built so the bank’s risk team can say yes.

Regulatory

JJSB is the regulated counterparty. Only bank-approved products, no return promises, distribution through registered partners.

Customer protection

No lock-ins, pause and withdraw always visible, jargon-free screens, human escalation for money issues.

Data and privacy

Consent-based data handling designed for the DPDP Act, 2023. Payment credentials are never stored.

Fraud and AML

KYC and AML through the bank, transaction monitoring, risk flags.

Operations

Mandate-failure handling, reconciliation, audit trail and agreed service levels.

Questions the bank will ask. Straight answers.

Does JJSB need to build anything?

Integration is API-led. Wallex builds and runs the app. The bank provides accounts, KYC and product approvals.

Who owns the customer?

Accounts sit with the bank. The relationship is co-owned, with data-sharing terms agreed up front.

What does it cost?

Proposed model is revenue share on defined streams. Joint marketing budget to be agreed.

Can we stop?

Yes. The pilot is reversible and balances remain withdrawable.

A controlled, reversible co-branded pilot with Jalgaon Janata Sahakari Bank.

01

Co-brand framework

Agree the brand, sponsor-bank structure and revenue-share principles.

02

Pilot cohort

Integrate UPI, mandates and KYC for a defined customer group.

03

Joint launch

Co-marketed rollout to the bank’s digital base.

Schedule a strategic discussion