If you are planning to create an eWallet app, this blog is for you.

Mobile app development can be a complex process with a lot of bits that require a lot of attention. One such element is the tech stack.

eWallet app tech stack is very important as it can dictate various aspects of the platform.

But how and what is a tech stack at all? Well, in this blog, we shall be discussing all you need to know about the eWallet app development tech stack, common options, how to build a custom tech stack, considerations when choosing a tech stack, and more.

So with this being said, let’s get right into it:

App Tech Stack: An Overview

Let’s answer the most important question first, what’s a tech stack?

The mobile app tech stack refers to the technologies used in the app development process. Therefore, when we are talking about the tech stack for the eWallet app, it covers all the technology and components involved in app development.

This covers everything from development tools, programming languages, frameworks, APIs, third-party components, and so on.

But why is tech stack important? Let’s answer this question.

The Importance of Choosing the Right eWallet App Tech Stack

If you want to create an eWallet app, then you must not underestimate the importance of the eWallet tech stack.

Importance of Choosing The Right eWallet App Tech Stack

This begs the question, why is choosing the best eWallet app tech stack so important?

Well, there are various reasons why choosing the right tech stacks is so important in the app development process. In this section, we shall be going through some of these.

  • Ensuring App Security

When we are talking about eWallet apps that handle sensitive fintech data, app security becomes very important.

eWallet app development technologies can highly affect the security level. Therefore, it’s important to choose the right tech stack considering the app idea.

In fact, it is only with the right combination of technologies that you can ensure full-proof eWallet app security.

  • To Create a rich User Experience and App Design

It goes without saying that the app’s usability is paramount.

The tech stack should enable the creation a user-friendly interface that’s easy to navigate, visually appealing, and responsive across different devices and operating systems.

All in all, development technologies selection directly affects eWallet app design.

  • Speed and Efficiency

One of the biggest Tech stack use for eWallet app is speed and efficiency.

In other words, users expect instant transactions and quick responses, something achieved only with the right combination of technologies.

The chosen technology should be optimized for performance, ensuring fast loading times, smooth transitions, and minimal lag.

  • Feature Richness

Modern eWallets offer various features beyond basic transactions.

The tech stack should be flexible and adaptable to support features like budgeting tools, loyalty programs, bill payments, and even integration with wearables.

All in all, the tech stack becomes very important if you want to deliver top-notch eWallet app features.

  • Regulatory Compliance

eWallets (and the fintech industry as a whole) operate in a highly regulated environment.

The tech stack needs to be built with regulations in mind, ensuring compliance with KYC/AML, data privacy laws, and other relevant financial regulations.

  • Future-proof

Technology evolves rapidly and if you want becoming successful among people, you have to be future-proof. In other words, you need to create a digital wallet app that stands against the test of time.

The chosen tech stack used for digital wallet app development should be based on established but evolving technologies.

Thus, allowing for future integrations and scalability to stay ahead of the curve.

  • Cost-effectiveness

While choosing top-notch technologies is important, the Cost to build an eWallet can reach well over a million if not kept in check.

The tech stack should be selected to offer optimal performance and security within your development budget.

So, these are the reasons why it’s important to choose the right and best technology for a digital wallet app. With this out of the way, let’s move to the next section where we shall be looking at app tech stack.

Popular eWallet Apps and Their Tech Stack

The market is filled with popular digital wallet apps that are making billions in revenue.

So, if you want to be the next best thing, you might as well learn from the best. So let’s look at three popular eWallet applications and their tech stack.

1. PayPal

Let’s start with the OG digital wallet and one of the most well-known names in the market, PayPal.

PayPal ewallet app

Their success story has inspired a lot of companies to invest in apps like PayPal and some of them are market leaders themselves.

So, what’s the secret formula behind this success? Well, let’s look at the Technologies used to develop the eWallet app in question:

FrontendHTML5, CSS3, JavaScript (jQuery, ReactJS), Bootstrap, Material Design, RESTful APIs
BackendJava, Node.js, Python, PHP, Spring Framework, Express.js, MySQL, Cassandra, HBase, Apache Kafka, RabbitMQ, GCP, AWS
Payment GatewaysProprietary gateway, integrations with Visa and Mastercard
SecurityMulti-factor authentication, data encryption, fraud prevention, vulnerability management
DevOps ToolsGit, Jenkins, Gradle, Docker, Kubernetes
AnalyticsGoogle Analytics, Sumo Logic, Logic Monitor
Cloud StorageGoogle Cloud Storage, Amazon S3

2. Venmo

Venmo, known for its social payments and peer-to-peer transfers, employs a modern tech stack that prioritizes scalability, performance, and user experience.

Venmo ewallet app

So, let’s look at the tech stack used to make this one of the best NFC payment apps in the market:

FrontendHTML5, CSS3, JavaScript (React Native), React Native, Redux, RESTful APIs
BackendJava, Python, Go, Spring Framework, Flask, MySQL, Cassandra, Apache Kafka
Payment GatewaysPayPal
SecurityMulti-factor authentication, data encryption, fraud prevention, vulnerability management
DevOps ToolsGit, Jenkins, Docker, Kubernetes
AnalyticsAmazon Kinesis, Amazon Redshift, Looker
Push NotificationsAPNs, Firebase Cloud Messaging
Cloud PlatformAWS

3. TransferWise

TransferWise has been leading the charge in the international payment niche.

If you want to join the ranks of top cross-border payment apps, here’s the tech stack used by this market leader.

FrontendHTML5, CSS3, JavaScript
FrameworksReact, AngularJS (legacy)
BackendJava, Groovy, Python
FrameworksSpring Boot and Grails
DatabasesPostgreSQL, MariaDB, MongoDB
MessagingApache Kafka
Cloud ProviderAWS
Cloud ServicesEC2, S3, RDS, EMR, Kafka Streams
DevOps ToolsGit, GitHub, Kubernetes, Docker, Terraform, Ansible, Jenkins, Gradle
MonitoringNew Relic, Prometheus, Grafana
LoggingLogstash, Elasticsearch, Kibana

Now that we are done with eWallet tech stack examples, let’s look at a few of the commonly used ones in the section below.

Common Tech Stack for eWallet App

eWallet is a trending niche in the wider fintech app development category. Today, there are well over a million digital wallet solutions across the globe.

Now, before we discuss the custom digital wallet app tech stack, let’s look at some commonly used ones. These are, as mentioned below:

1] Node.js + Express.js + MongoDB + React Native

Node.js + Express.js + MongoDB + React Native

Being based on the JavaScript-based ecosystem, this tech stack offers superior data modeling flexibility, scalability, and efficiency. Driven by react native, you can expect native-like performance.

Furthermore, it can also be used for hybrid app development, since react native is being used.

Best For

This eWallet app tech stack powered by React native app development enables rapid prototyping. And this is also very suitable for data-heavy applications with flexible schema as well as apps that require superior performance.

2] Java + Spring Boot + PostgreSQL + Flutter

Java + Spring Boot + PostgreSQL + Flutter

Java + Spring boot is a powerful combination that lets you build robust and mature ewallet apps, fast. Flutter opens doors to cross-platform app development, while giving loads of pre-designed widgets. Don’t forget the native-like performance.

Best For

These combinations of technologies are used for enterprise application development. Being a powerful combination, it can also be used to create data-intensive applications with strict schema requirements. If you want to create visually appealing apps, this is the best technology for ewallet apps.

3] Python + Django + SQLite + Angular

Python + Django + SQLite + Angular

Driven by the power of Python, it delivers rapid development, strong app architecture, and clean design principles. Harnessing the power of Python and Django, it is a powerful

Best For

With the versatility of Python backed by Django, SQLite, and Angular, it is the perfect tech stack to bring start-up fintech ideas to reality, simpler apps, prototyping, as well as large-scale web apps. Don’t miss the point that it teams with a strong TypeScript experience.

Now that we are done with the pre-set technology used to develop a digital Wallet, let’s move towards building a custom tech stack in the section below.

Build a Custom Tech Stack for eWallet App Development

With all that said and done, it’s finally time to look at the custom Digital Wallet app development tech stack. There are various technologies that you can choose and combine to build your own tech stack.

eWallet App Development Tech Stack

Let’s see what the available technologies are.

1) Front-End Technologies Used To Develop eWallet App

Front-end technologies used to develop the eWallet app mainly cover app frameworks. Take a look at them below.

  • React Native

With lots of companies who want to build react native app, it is one of the most popular choices.

This technology offers cross-platform development for iOS and Android with a single codebase, boosting efficiency and consistency. Now, there are various other benefits to it, but that’s the gist of it.

  • Flutter

Flutter for app development has become a popular choice in the fintech industry with all the benefit this Google backed technology offer. Including its fast performance and expressive UI capabilities.

And yes, this is another popular cross-platform option.

Speaking of which, React Native vs Flutter has been a popular debate, something that a lot of our eWallet clients find to be a hurdle, learn which one is better in this blog: React Native vs Flutter

  • Xamarin

Xamarin is a leading Android app development framework.

Therefore, it can be a mature option for building native-like mobile apps with C# and leveraging existing NET expertise.

  • React or Vue.js

Lastly, if you want to go for PWA development, these JavaScript frameworks provide interactive and dynamic UI experiences.

Now that we are done with the front-end frameworks, it’s time to move to back-end options in the section below.

2) Back-End Technologies Used To Develop Digital Wallet

With the front-end technology of the tech stack used for digital wallet apps done, it’s time to look at some popular back-end framework choices for digital wallets.

  • Node.js

NodeJS development has become quite popular in the market recently.

After all, being a lightweight and fast runtime environment, it is for building real-time and scalable server-side applications.

A range of NodeJS frameworks has held a place in the best tech stack for your digital wallet app, making it worth considering.

Some of these are, as mentioned below:

Express.jsMinimalist & VersatileRouting, middleware, templating, error handlingFree
Koa.jsNext-Gen ExpressError handling, async/await support, middlewareFree
Nest.jsEnterprise-ReadyMVC architecture, TypeScript support, dependency injectionFree
Sails.jsMVC & Data DrivenWaterline ORM, MVC structure, built-in authenticationFree
Total.jsFull-Stack FrameworkMVC, routing, ORM, templating, authenticationFree
Hapi.jsSecure & ScalableSecurity focus, routing, plugins, validationFree
Feather.jsMicroservices & API-FirstLightweight core, plugins for features, RESTful APIsFree
Loopback.jsAPI Development & Data ManagementRESTful APIs, built-in connectors, data modelingFree
Adonis.jsMVC & TypeScriptMVC architecture, TypeScript support, validationFree
Derby.jsReal-Time ApplicationsReal-time communication, data synchronization, DOM manipulationFree
  • Java/Spring Boot

Java and Spring Boot, it is robust and industry-standard choices for back-end development.

In fact, this is especially preferred when dealing with complex financial transactions. A fact that makes it the top choice for eWallet projects.

  • Python/Django

Python app development has been a popular option in recent years.

Now, to leverage the full potential of this programming language, you can use Python frameworks like Django. This will give you benefits like rapid development and clean syntax, ideal for startups and agile teams.

  • Cloud Functions

Now you can leverage the serverless computing capabilities of major cloud providers like AWS Fargate and Google Cloud Functions for event-driven processing and cost-effectiveness.

So, these were the back-end technologies for eWallet development, let’s move to the database section.

3) Database Technologies

It’s time to look at database options for the digital wallet tech stack. These are, as mentioned below.

  • NoSQL Databases

MongoDB or Couchbase offers flexibility and scalability for storing dynamic eWallet data like transaction history and user preferences.

DatabaseTypeUse Cases
MongoDBDocumentUser & account management, transaction storage, product information
CouchbaseMulti-Model (Document, Key-Value, Search)User data, transactions, product info, search functionality
Firebase Realtime DatabaseServerless DocumentAccount balance updates, notifications, real-time transactions
RedisKey ValueCoaching user balances, product info, temporary transaction data
CassandraWide-ColumnTransaction history, user activity logs, high-volume data storage
  • Relational Databases

PostgreSQL or MySQL remains relevant for structured data like user accounts and financial records, ensuring data integrity. This is what makes them quite popular for tech stacks in eWallet projects.

DatabaseVendorTypeCommon Use Cases
MySQLOracleOpen-SourceWeb applications, e-commerce, content management, business intelligence
PostgreSQLOpen-SourceOpen-SourceFinancial services, GIS, scientific research, e-commerce, analytics
Microsoft SQL ServerMicrosoftCommercialEnterprise applications, transaction processing, and data warehousing
Oracle DatabaseOracleCommercialMission-critical applications: ERP, CRM, financial systems
MariaDBOpen-SourceOpen-SourceWeb applications, e-commerce, content management, cloud-based services
SQLiteOpen-SourceEmbeddedMobile apps, embedded systems, small-scale applications
  • Cloud Storage

Services like AWS S3 or Google Cloud Storage provide secure and scalable storage for large files like receipts or transaction logs.

4) Cloud Services

Whether it is full-fledged cloud app development or just adding cloud services, let’s look at some of the best tech stacks for your eWallet app cloud services.

  • AWS, Azure, or Google Cloud Platform

AWS, Azure, and Google Cloud Platform are major cloud providers offering a comprehensive suite of services for infrastructure, storage, databases, and security.

These can be used in streamlining eWallet development and deployment.

  • API Gateways

Manage and centralize access to backend APIs through services like AWS API Gateway or Azure API Management, improving security and app developer experience.

In some cases, there’s even a need for API development, an entirely different concept.

5) Third-Party Integrations & APIs

Lastly, let’s look at the eWallet app’s third-party integration and API options. These are crucial parts of any tech stack for the eWallet app.

  • Payment Gateways

It goes without saying, whether you want to enable gold or P2P transfers or innovative NFC mobile payments, it’s important to integrate with established payment gateways like Stripe or PayPal.

This will enable the platform to handle secure online and offline transactions.

GatewayVendorTypeKey FeaturesCommon Use Cases
Amazon API GatewayAmazon Web Services (AWS)Cloud-BasedServerless, scalable, integrates with AWS services, supports REST and WebSocketsMicroservices architecture, serverless applications, mobile backend, IoT
Azure API ManagementMicrosoft AzureCloud-BasedPolicy enforcement, analytics, developer portal, multi-cloud supportHybrid cloud deployments, API monetization, partner integration
Google Cloud EndpointsGoogle Cloud Platform (GCP)Cloud-BasedIntegrated with GCP services, OpenAPI support, authentication, monitoringCloud-native applications, microservices architecture, serverless integration
Kong API GatewayKong Inc.Open-SourceFlexible deployment options, plugins, rate limiting, load balancingHybrid and multi-cloud environments, customized API management
NGINX API GatewayNGINX, Inc.CommercialHigh performance, load balancing, security features, cachingHigh-traffic applications, API security, edge computing
Apigee EdgeGoogle CloudCommercialComprehensive API management, analytics, developer portal, monetizationEnterprise-grade API programs, partner ecosystems, multi-cloud deployments
  • Financial APIs

Leverage APIs from Plaid and Finicity to connect with users’ bank accounts for account aggregation and real-time balance updates.

There are a range of Fintech APIs, let’s look at some popular ones below:

Alpha VantageMarket DataReal-time & historical stock data, Forex, Crypto, News
Yahoo FinanceMarket DataStock quotes, news, financials, historical data
MorningstarMarket DataFundamental data, news, research, ratings
StripePaymentsAccept online payments, manage subscriptions, and fraud prevention
PayPalPaymentsOnline & in-person payments, invoicing, subscriptions
YodleePersonal FinanceBank account aggregation, financial data analysis, budgeting tools
PlaidPersonal FinanceBank account aggregation, financial data analysis, identity verification
Intuit DeveloperAccounting & TaxesConnecting to QuickBooks & TurboTax data, automate workflows
CoinMarketCapCryptocurrencyReal-time & historical crypto market data, prices, exchanges
CoinbaseCryptocurrencyTrade, buy, sell crypto, and access real-time market data
QuandlAlternative DataAlternative data feeds, macroeconomic data, financial markets data
MarketstackMarket DataReal-time & historical market data, global coverage, multiple asset classes
Barchart OnDemandTechnical AnalysisCharting tools, technical indicators, market data
WorldpayPaymentsGlobal payment processing, multiple currencies, fraud prevention
  • Identity & Authentication Services

Utilize OAuth and OpenID Connect protocols to secure user logins and access control, integrating with identity providers like Auth0 or Okta.

ServiceDelivery ModelFeaturesUse cases
Auth0Cloud-Based (IDaaS)SSO, MFA, social login, API security, passwordless authentication, developer toolsScalable security for web, mobile, and API applications
OktaCloud-Based (IDaaS)SSO, MFA, directory services, access management, lifecycle management, advanced reportingLarge enterprises with complex access needs and compliance requirements
Azure ADCloud-Based (IDaaS)SSO, MFA, conditional access, device management, integration with Microsoft 365Businesses are already using Microsoft Cloud services
Ping IdentityCloud-Based (IDaaS)SSO, MFA, adaptive authentication, access governance, fraud prevention, identity analyticsHighly regulated industries with strict security requirements
Microsoft Active DirectoryOn-PremisesUser management, authentication, authorization, and group policiesSmall and medium businesses with on-premises infrastructure
LDAPOn-PremisesOpen-source directory service for user and group managementBudget-conscious organizations with technical expertise

So, these are the various options that you get when dealing with the tech stack for the eWallet app. Now, in the next section, let’s see how to choose the right technologies for building the eWallet app.

Pre-Set Tech Stack vs Custom Tech Stack for eWallet

Confused about whether you should go with an existing tech stack like MEAN Stack or build your own tech stack for the eWallet app?

Well, here’s how to choose.

FeaturesPre-Set Tech StackCustom Tech StackWho Should Choose Pre-Set Tech Stack?Who Should Choose a Custom Tech Stack?
FlexibilityLimitedHighStartups, MVPs, budget constraintsLarge companies, unique features, specific needs
ScalabilityModerateHighGrowing businesses, predictable usageHigh-growth businesses, unpredictable usage
CostLowerHigherBudget-conscious businesses, quick launchesBusinesses with unique needs and long-term investment
Time to MarketFasterSlowerQuick MVPs, time-sensitive projectsComplex features and specific integrations
SecurityGood industry standardsPotentially higher, but requires expertiseBusinesses comfortable with industry standardsBusinesses with strict security requirements and custom needs
MaintenanceLower (vendor support)Higher (in-house team or outsourcing)Businesses with limited technical resourcesBusinesses with dedicated development teams
Control & OwnershipLimitedHighBusinesses focused on rapid growthBusinesses seeking long-term control and differentiation

How To Choose the Best Tech Stack For Your eWallet App?

It’s very important to choose the right tech stack for the eWallet app, as we already discussed. But the question is how?

Tips to Choose the Best Tech Stack for your eWallet App

Well, we shall be looking at some considerations when choosing a tech stack.

1. Programming language preferences

If you are planning to hire mobile app developers or already have a team, it’s important to consider their programming expertise. More often than not, app developers have proficiency in a few languages.

In addition to this, different programming languages deliver varying performance and scalability. That’s why it is important to consider when choosing a tech stack.

2. Team expertise

When selecting or building a tech stack, always make sure to match it with your team’s expertise and what they have been using in their projects.

However, this doesn’t mean that you shouldn’t consider upskilling opportunities for the team.

3. Project requirements (scalability, performance, data model, features)

It goes without saying that every app development project is unique and comes with its own unique set of requirements.

This includes considering elements like scalability, app’s performance, feature set, and so on. Something that you should keep in mind is, the app’s requirements are always changing.

It is inevitable to, update the app. The tech stack you are moving forward with should be good enough to accommodate it.

4. Development speed

Some of the most common questions are:

How Long Does It Take To Develop An App?

The truth is that the time to develop an eWallet app highly depends on various factors, and tech stack is one of them.

While there are specific technologies that enable faster development (for instance, react native enables you to build Android apps and iOS apps with the same code), others require more development time.

5. Maintenance needs

Most app maintenance and support services are crucial to keep the eWallet app up and running.

Now, here’s how the eWallet app tech stack comes into play. While there are some technologies that are easier to maintain, on the other hand, there are some tech stacks that require a lot of work just to keep running.

This is one of the big factors to consider.

6. Security

When we talk about eWallet, security takes a place of uttermost importance.

Now, there are various ways to add another layer of security, including biometric authentication, dual-step verification, and so on.

But at the end of the app, to ensure complete eWallet app security, it’s important to choose the right tech stack for eWallet. This includes choosing technology that offers better security and compatibility for communication.

So, these are the considerations to keep in mind when you choose tech stack to use for ewallet app development.

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ewallet App Tech Stack

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More and more companies are investing in eWallet apps as the market hit cross multi-billion dollar market. If you want to create an eWallet application that stands out from the rest and helps you win a competitive advantage, it’s important to choose the right tech stack. eWallet app tech stack can make your platform or break your platform. In this blog, we discussed all you need to know about the same.


There isn’t one single most important factor, but rather a combination of considerations that should guide your decision. These include:

  • Project requirements
  • Team expertise
  • Development speed
  • Budget
  • Security

Some commonly used tech stacks include:

  • Frontend: React Native, Flutter, Xamarin
  • Backend: Node.js + Express.js, Java + Spring Boot, Python + Django
  • Database: MongoDB, PostgreSQL, MySQL
  • Cloud: AWS, Azure, Google Cloud Platform
  • Payment Gateways: Stripe, PayPal
  • Financial APIs: Plaid, Finicity

While pre-set tech stacks can be a good starting point, a custom stack can be tailored to your specific needs and goals. This can lead to improved performance, security, and developer productivity.

Average cost to build eWallet ranges between, $25,000 and $100,000, it greatly depends on the complexity of your app, the tech stack, and development team’s location. A basic eWallet app could cost tens of thousands of dollars, while a more complex app with advanced features could cost hundreds of thousands or even millions.

  • Nimble AppGenie blog
  • eWallet Developer Forum
  • Mobile App Development Tutorial