What does Blockchain do?

Led by engineers and product people, Blockchain is focused on designing, building, testing, and shipping great products that delight our users.

What is a mobile wallet?

We build iOS, Android and web wallets for millions of decentralized enthusiasts. Our wallets make it simple and easy for anyone in the world to securely send, receive, and manage their currecnies. Our wallet is a software wallet that provides infrastructure to empower our users to be their own bank. We don’t hold users funds, or have access to them.

Why do people choose KnowByLity?

KnowByLity strives to change the lives of over a third of the world’s population who, at the moment, don’t have the luxury of a stable financial market, currency, or access to financial services. Our engineers can take it one step further by not only pushing the gauge on financial products but also by working on open source projects that are benefiting the financial ecosystem and community as a whole.

How does a KBL Mobile Wallet work?

A crypto wallet will store private and public keys for a transaction. The wallet interacts with multiple Blockchains to validate a transaction, enabling users to purchase or sell one or various currencies. But, what exactly happens in the background that makes a safe, blockchain transactions possible? Let’s understand it with an example. Before we move on to how cryptocurrency wallets work, let’s understand the concept of public and private keys that are stored on Blockchain for a transaction. These keys are non-identical pairs of large numbers, wherein one key can be shared with anyone (public key), and another is kept secret (private key). These keys work very similarly to the lock-and-key concept- your lock (private key) and keys (public key). No matter how many people have the keys, they can only be of use if it is used to open the right lock, i.e., the private key is rightly paired with the public key. Once you unlock the locker, you can see what’s stored in it. Similarly, when the public and private keys used in transaction matches, users can see the value of their digital assets in their wallets.

What avenues are available for loading and unloading FIAT onto my Blockchain Wallet?

T-Mobile Refill AMC Theaters Gift Card ANY Credit/Debit Card AT&T Gift Card Abra AccountNow Prepaid Card Adidas Gift Card AdvCash AirBnb Gift Card AirPay AirTM Airline Tickets Airtel Money Akimbo Alipay AlipayHK Amazon Cash Amazon Gift Card Amazon Wishlist American Apparel Gift Card American Express Card American Express Gift Card Any Visa, MasterCard and AmEx Gift Cards Apple Store Gift Card ApplePay Applebee's Restaurant Gift Card Asos Gift Card AstroPay Direct Bancolombia Cash Deposit Bank Transfer Barnes & Noble Gift Card Bed Bath & Beyond Gift Card Best Buy Gift Card Bhim Bill payment BitShares BTS Bitcoin ATM Bitcoin Cash BCC/BCH Bitcoin Gold BTG Bitgold Bitwallet Bkash E-Wallet Blizzard Gift Card Bluebird American Express Booking.com gift cards Boost Mobile Bunq Transfer CASHlib Vouchers CIB smart wallet CVS Gift Card Cabela's E-Gift Code Calvin Klein Gift Card Capital One 360 P2P Payment Card.com Transfer Cardless Cash Cash By Mail Cash Deposit to Bank Cash app Cash in Person CashU Cashier's check Chase Quickpay Check Chili's Restaurant Gift Card Chime instant transfers ChimpChange Mobile Banking China Telecom Card Chipper Cash Circle Pay Coles Gift Card Costco Cash Card Cracker Barrel Gift Card Credits (CS) DMM Prepaid Card Dell Gift Card Delta Air Line Gift Card Discover Credit Cards Disney Gift Cards Dogecoin DOGE Domestic Wire Transfer Domino's Pizza Gift Card Dunkin' Donuts Card EOS Eastbay Gift Card Easypaisa EcoCash Equitel Mobile Money Esewa Ethereum Classic ETC Ethereum ETH Etisalat cash Etsy Everlane Gift card EzRemit FNB E-WALLET Facebook Messenger Payment Fandango Gift Card FasaPay Online Payment Faster Payment System (FPS) Finish Line Gift Card Flashpay Netspend Flexepin Gift Card Flipkart e-Gift Voucher Forever 21 Gift Card FreshDirect Gift Card G2A Gift Card GCash GameStop Gift Card Gift Cards (Miscellaneous Retailers) Giftcards.nl Redeem choice card Goods and services Google Pay Google Play Gift Card GrabPay GreenDot Card Groupon Gift Card GönderAL H&M Gift Card HULU Gift Card Happy card gift cards Hilton HHonors Points Home Depot Gift Card Hotels.com Gift Card Hyatt eGift Card IHOP Gift Card IKEA Gift Card IMPS Transfer IOTA-MIOTA Interac Online Interac e-Transfer International Wire Transfer (SWIFT) JCPenney Gift Card JD.com gift cards Jason's Deli Gift Cards KaKaoPay Kroger Recharge Card Kroger to Kroger Prepaid LeoPay Line Pay LiqPay Litecoin LTC Lowe's Gift Card Lydia Lyft Gift Card M-Pesa MTN Mobile Money Macy's Gift Card Mango Card2Card MasterCard Gift Card Mercado Pago Microsoft Gift card Mobile Recharge MobilePay Mobivi Moca Momo Monese Online Transfer MoneyGram MoneyPak MovoCash transfer MyVanilla Prepaid Card Myer Gift Card N26 NBE Phone cash NEM Namecoin NMC Nano Neosurf Gift Card Neteller Netflix Gift Card Newegg Gift Card NganLuong Nike Gift Card Nintendo eShop Digital Card / Gift card Nordstrom Gift Card OXXO Offgamers.com Gift Card Office Depot Gift Card OkPay Old Navy E Gift Card Olive Garden Restaurant Gift Card OneVanilla VISA/MasterCard Gift Card Ononpay Opal Transfer Orange money Other Online Wallets PCS Prepaid Cash Services PIM Paga Wallet Pago Fácil Papa Johns Gift Card Paxum PayID PayM PayMaya Wallet PayMe PayPal PaySon Payeer Payoneer Payoo Paypower Paysafecard Paysend.com Paysera Money Transfer Paytm Online Wallet Payza Peercoin PPC Perfect Money PhonePe Pingit Pizza Hut Gift Card Playstation Network Gift Card PlusGirot Pockit - Paypoint Pokerstars Popmoney Postal Money Order PostePay Prepaid Debit Card QNB smart wallet Qiwi Qtum Quickteller Quiksilver Gift Card READYdebit Prepaid Card RIA Money Transfer Rapipago Reebok Gift Card Reloadit by Netspend Remitly Restaurant Gift Cards (Various Retailers) Revolut Riot Points League of Legends Ripple XRP Roblox Game Card Rocket Remit RushCard prepaid Visa SEPA Safeway Gift Card Saks Fifth Avenue Gift Card Sears Gift Card Sephora Gift Card Serve to Serve Siacoin SC Simple Bank App Skrill Skype Credits SoFi Money Instant Transfer Sofort SolidTrust Pay Southwest Airlines Gift Card Spotify Gift Card Square up Staples Gift Card Starbucks Card Steam Wallet Gift Card Steem Coin STEEM Stellar Lumens XLM Straight Talk Reload Stratis STRAT Stripe Subway Gift Card Swish T-kash TRON TRX Target Gift Card Target VISA Gift Card Tarjeta PAGO24 Tarjeta PREX Tarjeta UALA Tele2 Tether USDT Ticket Premium Gift Card TicketMaster Gift Card Tigo Pesa Toss Wallet TransferWise TrueMoney TrueUSD UGO Pay UPI Transfer Uber Gift Card Ulta Gift Card UnionPay (App) United Airlines Gift Card Uphold VIABUY Card2Card Transfer VISA Gift Card VeChain VET Veem Venmo Victoria's Secret Gift Card ViettelPay Visa Debit/Credit Card Vodafone Cash Egypt VoguePay Walmart China Card Walmart Gift Card Walmart MoneyCard Walmart Visa Gift Card Wave App Waves Coin WAVES WeChat Pay WebMoney Wells Fargo SurePay Western Union Whole Foods Market Gift Card Xbox Gift Card Xoom Money Transfer Xpress Money Service Yandex.Money ZaloPay Zappos Gift Card Zelle Pay eBay Gift Card eCheck eGifter.com code ePay ecoPayz iTunes Gift Card mCash Mobile Payment mPayVN

Do you support recurring payment applications throughout your Blockchian wallets?

Our technology and Advanced Billing Models provides unlimited flexibility, convenience and enables payment methods that were not possible with crypto before. Subscribe to recurring payments, set-up automatic account top-up, pay-per-use and pay-per-time, peer-to-peer, and more.

What features can I add into my BlockChain Wallet application?

WalletX Technoloigies allows for a compelete custmized build with the features below

NFC Payments

Peer 2 Peer Payments

Recurring Payments

300+ Loading and Unloading locations for currencies

Virtual card display

Global usage for storing and payments

2100+ Cryptocurrencies available

85 Global Currencies supported

Currency conversion 23 different currencies

Live trading

Get your wallet balance

Buy / Sell Crypto with Market & Limit Mode

Advanced coin page

Depth Graph

Order book

Private Block folio

Advanced trader chart candlesticks

Coins history data from 1 minute to 5 months

Live data

Live trending on chart

Detailed Market analysis

News & Social

Watching list


Top movers

Digital ledgers

Live market (sell/buy) with market balancing

Calculator (Cryptocurrency <==> Currencies)

Up to 6 charts on the dashboard

9 types of dashboards available

Notifications on Mobile, Browser, Windows

Add notifications easy by double clicking on chart

Notifications center in Subscriptions

Credit card payment gateway (Stripe & PayPal)

Customize plans

Free trial time configuration

Fully responsive (Mobile, Tablet) and optimized look-alike application on mobile

Advanced Admin panel

Google Analytics setup

Multi languages – 20

Peer to peer payments

Digital currency backed by fiat currency

Cross-border payments to offset currency fluctuations

KYC & AML and digital identity management

Smart contracts

Letters of credit

Over the counter share trading

Self-paying instruments

Private smart contract platforms


Asset / collateral management

+Many More

Can I switch from an old out dated wallet to a new mobile wallet application?

Yes, you can. Every wallet uses a private key to secure its assets which you can import into your new application. Just look for the 12 word recovery phrase or mnemonic in the settings menu of your current wallet and then use that same 12 word phrase to sign into your new Wallet.

How are you integrated into global networks?

Building on dozens of years of global payment experience, our team has connected with global payment networks by merging the best of traditional systems with the flexibility and speed with blockchain. That means we can look at more options to send your funds abroad than conventional means. More options mean better rates, better tracking, and lower costs, which means better value to you.

How large is KBL's network?

We outpace our competitors because we know that working in partnership with experts in specialty areas will enhance the solutions we create for clients. Our partner network is 400-strong and second to none. At a moment’s notice, we can reach out to the right resource at the right time for exception outcomes for clients.

Does KBL offer customized solutions?

At KnowByLity, there is no such thing as one-size-fits-all. We offer a scope of products and services that range from problem discovery to project delivery, from support services to a full-scale program. Your need guides the solutions we provide.

As a recognized leader in payments profitability, single euro payments and cost of cash, credit card strategy and marketing, and cross-bank payments strategy, we are your one-stop resource for any or all your payment strategy needs.

What Prepaid Card Issuing programs does KBL work with?

Sponsor Bank Relationships

Get assistance securing a sponsoring bank that is chartered or an S&L

Bank Identification Number (BIN) Sponsorships

Speed time to market both domestically and overseas. Get assistance securing a BIN sponsorship for payment processing through an intermediary that is a direct scheme member.

Processor and BIN Configuration

Get help finding and establishing a relationship with the right card processor for transactions associated with prepaid credit or debit cards, gift cards, payroll cards, and other payment cards.

General Purpose Reloadable Prepaid Cards

Our reloadable prepaid Visa or Mastercard offer wide acceptance at merchant outlets.

Prepaid Debit Cards

Our prepaid cards provide a popular alternative to checking accounts for the unbanked. The cards are accepted at a variety of merchants and can be used to pay bills and make online transactions. Choose from Visa, Mastercard and other networks.

Prepaid Gift Cards

Gift cards can be loaded at fixed increments ranging from $25 to $500 (USD). If the card is lost or stolen, it can be replaced by providing the associated account number.

Payroll Cards

Ideal for the unbanked, these cards have the flexibility of prepaid debit cards and traditional debit cards for making purchases, paying bills, and withdrawing money from ATMs. Plus, payroll cards reduce the cost and increase the efficiency of payroll processing.

Government Benefit Cards

The cards can improve efficient administration of government assistance programs. They can be used for accessing funds related to food stamps, child support, unemployment benefits, veteran’s benefits, pensions and social security payments.

Prepaid Transit Cards

Transit cards can be obtained from public transportation operators and reloaded online or at terminals. They are reserved for purchasing transit fares at the issuing transportation system. Identity verification of the cardholder is not required for activation and the cards can be issued to any traveler without an identity check.

Prepaid Travel Cards

Designed to simplify the travel experience, the card is loaded before trip departure with the home currency and transactions are automatically converted to local currency at points of sale. To avoid foreign exchange fees, some travel cards give cardholders the option to lock in the foreign currency exchange rate on the day the card is loaded. The reloadable card can be used for all travel reservations and transactions during trips.

Health Savings Account Cards

Flexible spending accounts allow employees to set aside a part of their wages to pay eligible medical expenses – without the associated taxes. The Health Savings Account card can be used at doctor visits, hospitals, pharmacies and other locations.

Prepaid Student ID Cards

Some universities and colleges offer ID cards to students for use in making purchases and paying for services on campus. Such cards are reloadable. Through special relations that the schools establish with preferred banks and other financial institutions, students can link their bank account to the card, so they can add funds and withdraw cash from ATMs.

Prepaid Incentive Cards

Companies may opt to issue a prepaid incentive card to employees to reward outstanding performance and pay bonuses and commissions, instead of providing a voucher or a gift card.

Prepaid Insurance Card

Prepaid insurance cards can be offered by insurers to speed claim disbursements vehicle accidents, worker compensation payouts, and payouts for property insurance.

Prepaid Commercial Card

Businesses that choose not to provide corporate credit or debit cards to their employees, contractors, or vendors, often turn to prepaid business cards as an alternative. The cards are used to pay for business-related expenses, including equipment purchases, consulting services, office supplies, and meetings.

Do KBL Applications support tokenization?


Tokenization is the starting point to your digital transformation.

KnowByLity will focus your company’s march to a full digital solution by focusing on building real, valuable, personal experiences for customers.

Outsourcing services to a payment partner able to manage the rapid evolution of the mobile payment landscape is crucial. To get you on the path to digital, we’ll help:

  • Create a digital vision and business case
  • Map a clear path to digital transformation
  • Nurture a corporate culture that embraces innovation through technology-enabled experiences
  • Build a seamless, omnichannel customer experience via platforms shared across transactional channels
  • Stay ahead of the tech curve
  • Develop digital talent to drive your future
  • Identify gaps in processes, technologies and resources that limit delivery of exceptional customer experiences
  • Ensure your cybersecurity is free of fraud risks

How does KBL assisit with Risk & Fraud?

Our Global Payment Connection will analyze, define and help you implement the most uncompromising risk and fraud management process possible to protect your business from losses.

  • Fraud Risk Strategy

  • Chargeback Management

  • Reduce Chargebacks and Increase Sales

  • Detect and Reduce Fraud

  • In-depth Fraud Support

  • Keep Below Scheme Thresholds and Keep Optimal Sales Results

  • Payment Guarantee

  • Shift Chargeback Liability / Shift Risk

  • Develop an Optimized Balance between Financial Risk and Sales

What core software solutions does KBL develop?

From banking to merchant services to insurance - today’s fintechs are transforming the face of finance through core offerings that are at the heart of financial systems around the world. The rapid growth of financial technology opens the door to limitless possibilities, inspiring collaboration across the financial services ecosystem.

Whether you are a fintech seeking to raise your brand visibility; a financial institution that wants to be more customer-centric or transform its infrastructure; or an investor looking for the next startup opportunity, our fintech software solutions can help you differentiate yourself through with cutting edge software.

Core Software Solutions

  • Pre-Project Assessment
  • Code Audit
  • MVP Builder
  • API Build
  • API Integrations
  • Custom Pre-Paid Card Add-Ons
  • Prepaid Programs & Mobile Applications
  • Prepaid Admin consoles
  • Pre-Paid Card SAAS
  • Online Store-Front
  • Crypto Wallet
  • Hyper Wallet
  • Complete Website & Mobile Solutions

Does KBL use Agile development methods?


Agile Development in today’s fintech world goes well beyond the boundaries of software

methodology. It has evolved to be the central nervous system of digital-first organizations. We help you understand Agile and use it to drive measurable business progress. We have worked with fintech organizations worldwide to implement and optimize their Agile capabilities.

Frequently Asked Question(s)


Important information for opening a card account: To help the federal government fight the funding of terrorism and money laundering activities, numerous global laws require all financial institutions and their third parties to obtain, verify, and record information that identifies each person who opens a Card Account.  What this means for you:  When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you.  We may also ask to see your driver’s license or other identifying documents. Important information for opening a card account: To help the federal government fight the funding of terrorism and money laundering activities, numerous global laws require all financial institutions and their third parties to obtain, verify, and record information that identifies each person who opens a Card Account.  What this means for you:  When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you.  We may also ask to see your driver’s license or other identifying documents.


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KnowByLity LLC has no relation to Alipay, MoneyGram, Western Union, Payoneer, Paxful, Blur, WorldRemit, Paxum, Paypal, Amazon, OkPay, Payza, Walmart, Reloadit, Perfect Money, WebMoney, Google Wallet, BlueBird, Serve, Square Cash, NetSpend, Chase QuickPay, Skrill, Vanilla, MyVanilla, OneVanilla, Neteller, Venmo, Apple, ChimpChange or any other payment method. We make no claims about being supported by or supporting these services. Their respective wordmarks and trademarks belong to them alone.

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