Unified Signal — branded wireless service and money movement on one platform

01 / The problem

One launch. Four separate builds.

A brand that wants to sell connectivity and money together is buying from two industries that do not talk to each other — and then paying, indefinitely, for the gap between them.

01

Connectivity

A carrier agreement, provisioning, taxation, porting and a support desk. Sold by telecom vendors who have never issued a card.

02

Money

A card issuer, a sponsor bank, KYC, ledgering and payment rails. Sold by fintech vendors who have never rated a minute of voice.

03

The seam

Two customer records that disagree. Two invoices. Two sets of credentials. Reconciliation becomes a permanent internal job.

04

Accountability

When a top-up fails at 11pm, each vendor can credibly say the fault sits with the other one. You own the outage either way.

02 / The platform

One core. Two service families. Your brand on all of it.

The convergent core does the rating, the ledgering, the identity and the reporting. Everything else — a SIM, a debit card, a telehealth visit, a music subscription — is a service line that settles against it.

Layer 1

The convergent core

Shared by every service line. This is the part competitors in either industry normally supply only half of.

Convergent rating and billing Wireless usage, wallet activity, subscriptions and one-off charges rate against a single account and settle on one invoice.
One customer record A subscriber, a cardholder and a wellness member are the same identity, with one balance history and one support view.
Provisioning and lifecycle Activation, plan change, suspension, porting, top-up and cancellation through the same workflow engine.
300+ JSON APIs Integrate your own storefront, app or ERP, or run entirely on the supplied white-label front ends.
Self-care and CSR consoles White-label customer web dashboard and mobile app with configurable widgets, plus an agent console for your support team.
Reporting and revenue assurance Usage, margin, commission and settlement reporting across every service line in one place.
Security and compliance controls Encryption at rest and in transit, SMS multi-factor authentication, biometric login, AI fraud screening and PCI DSS compliance.
Global by default 15 languages and 100+ fiat currencies, with regional programme variants where local licensing requires them.

Layer 2

Money movement

A branded banking alternative: hold value, spend it, move it, and earn on it — without your customer needing a traditional bank account.

Physical and virtual debit cards Branded reloadable cards, instantly issued virtual cards for Apple Pay and Google Wallet, and up to three companion cards per account.
Branded mobile wallet Multi-currency stored value with QR send and receive, scheduled transfers and per-purse balances.
Domestic and cross-border transfer Account-to-account, push-to-debit, SWIFT and the Mobile Clearinghouse Network for cross-border settlement.
Cash in and cash out Retail load and withdrawal across a network of US locations and ATMs, plus international cash pickup.

Ten more money modules 10

Bill pay and scheduled payments Recurring and one-off payments out of wallet balance.
Payroll and early wage access 1099 and W2 payroll with an employer portal, across 40+ countries.
Merchant payment processing Accept payment from your own wallet holders without routing through card-network interchange.
Micro-loans and instalment financing Client-configured lending from $1,000 to $100,000 against the wallet relationship.
Investments Fractional stock, gold and silver positions held alongside spendable balance.
Rewards marketplace An online retail marketplace that pays rewards into the wallet. You can list your own products in it.
Charitable giving Round-up donations, scheduled giving and shareable campaign links.
QR send and receive Person-to-person and person-to-merchant transfer by scanning a code.
Video product recognition EyeQ recognises a product on camera and starts the payment for it.
Regional card programmes Locally issued programmes where a market requires a domestic issuer, including Mexico.

Layer 3

Connectivity and lifestyle

The services people already pay for every month, sold under your name and rated on the same account as their money.

Wireless service Branded postpaid and prepaid voice, text and data on US networks.
Home telephone Fixed-line replacement service billed on the same account.
Wi-Fi calling Calling and messaging over Wi-Fi where cellular coverage is poor.
Wellness and telehealth Virtual care benefits attached to the subscriber account, rated on the same platform.
Music streaming A streaming entitlement you can bundle into a plan or sell as an add-on.
Beacon services Proximity-triggered offers and engagement tied to the customer record.

Because these rate on the same core, a customer can pay for their phone plan out of their wallet balance, or earn marketplace rewards that offset it — without a settlement file moving between two vendors.

03 / How money moves

Load it, hold it, move it — on rails you don't have to assemble

Every inbound and outbound rail below terminates at the same ledger. You integrate once against the core; adding a rail is a configuration change, not another vendor contract.

Money in

Bank account and card ACH, debit push and account verification.

Person to person Transfers in from another wallet holder, by account or QR.

Third-party wallets Inbound from consumer payment apps.

Retail and ATM cash In-store load and ATM deposit across a US network.

Employer payroll Direct deposit of wages, including early wage access.

Unified Signal core

Rating and billing

Ledger and balances

KYC, AML and fraud

Card issuing

Clearing and FX

Merchant processing

Money out

Card spend Anywhere the card network is accepted, physical or virtual.

Global bank payout Bank deposit and SWIFT into international accounts.

Transfer and remittance Person to person, push to any US debit card, and cross-border.

Cash withdrawal ATM and international cash pickup.

Merchants and marketplace Direct merchant settlement and in-app retail.

Figure 1 — Inbound rails, the shared core, and outbound rails. Rail availability varies by programme, jurisdiction and sponsor bank; the set enabled for your brand is agreed during scoping.

04 / The three-balance model

A card that can only lose what you put on it

Most prepaid programmes expose the whole account to the card. Unified Signal splits an account into three balances and moves value between them under the customer's control — the company calls it a financial firewall.

Wallet balance

The working balance. Money loads here from a bank account, a card, an employer, a transfer or a cash deposit at retail, and is held as stored value against the customer's record.

Reachable by: Bill pay, transfers, QR payments, marketplace purchases, top-ups for wireless service.
Not reachable by: A merchant with the card number. Card spend draws only on the card balance.

Card balance

Card spend draws on this balance and no other. The customer moves value onto it deliberately — a weekly grocery budget, one purchase, a travel allowance — and everything else stays behind.

Reachable by: Any merchant that accepts the card, physically or online, plus Apple Pay and Google Wallet.
Exposure limit: Whatever has been moved onto the card. A compromised card cannot reach the wallet or savings balance.

Savings balance

Value set aside inside the same account. It is not spendable until the customer moves it back into the wallet, which makes it useful for goal saving, round-ups and holding a float.

Reachable by: Deliberate transfer back to the wallet balance by the account holder.
Configurable: Interest treatment, round-up rules and transfer limits are set per programme by the brand.

Figure 2 — Value crosses to the card balance only when the account holder moves it. Programme rules, limits and interest treatment are set by the brand.

05 / Wireless

A full MVNO, without becoming a telecom company

Carrier access on US networks, plus everything behind the SIM: rating, billing, taxation, porting, support tooling and dealer management. Unified Signal has been building this side of the platform since 1998.

Carrier access on Verizon and T-Mobile networks, including cross-carrier data sharing.
Rating and billing for prepaid and postpaid, with revenue assurance and margin reporting.
Taxation and regulatory fees calculated per jurisdiction and applied at invoice time.
Porting, activation and lifecycle handled through the same workflow engine as the rest of the account.
CSR console and self-care in your branding, on web and mobile, in multiple languages.
Dealer and distributor support with commissioning, inventory and channel reporting.
Adjacent services — home telephone and Wi-Fi calling — sold and billed on the same account.
A branded data app so customers can see usage and buy more without contacting support.

Because wireless rates on the same core as the wallet, a customer can pay their phone bill from wallet balance, or have marketplace rewards applied against it, with no settlement file moving between systems.

06 / What a launch looks like

Twelve weeks, eleven workstreams, one of them yours

This is Unified Signal's standard plan for a full systems launch that includes a private-label debit card. Bank and card-network approval is the long pole and starts on day one; your team's real work is branding and the beta.

Bank and debit card approval Weeks 1 to 8
Equipment installation and configuration Week 1
Software setup and configuration Week 1
Branding requirements and upload Weeks 1 to 2
Debit card set-up and testing Weeks 2 to 3
Debit card creation Weeks 3 to 5
System testing on staging Weeks 5 to 6
Production upload and testing Weeks 6 to 7
Employee beta launch Weeks 7 to 9
Modifications from the feedback loop Week 10
Full-scale consumer production launch Weeks 11 to 12

Week numbers count from contract signature. Indicative; scope and bank approval timing vary.

Figure 3 — Standard 12-week implementation plan for a complete systems launch with a private-label debit card. Source: Unified Signal product overview, slide 38.

07 / Ways to engage

Three ways in, depending on how much you want to own

The same platform underneath all three. What changes is how much of it is yours to configure, and how quickly you can be selling.

Fastest to market

QuickStart

Launch on one of Unified Signal's own pre-built brands — MyTime, Genesis or AllFi — with your identity applied on top. The systems already exist and are already approved.

Pre-built programme, re-branded
Go-to-market support for the launch
Shortest path to a live customer

45 to 90 days

SaaS private label

Your own programme on the shared platform. You choose which service lines to switch on, the branding is yours end to end, and Unified Signal operates the systems.

Your brand, your service mix
Operated and maintained for you
Add service lines later without re-integrating

4 to 5 months

Enterprise dedicated instance

A licensed instance of the platform for organisations that need isolation, their own configuration surface, or a deployment that fits an existing enterprise estate.

Dedicated instance under licence
Deepest configuration control
Suited to regulated or large-scale estates

Timings are Unified Signal's standard estimates and depend on scope, bank approval and how much branding work you bring. Strategy and go-to-market consulting is available alongside any of the three.

08 / Who this is for

Organisations that already have the relationship

Unified Signal does not sell to consumers and does not compete with its clients. The platform is built for organisations that already have an audience and want to serve it directly instead of referring it somewhere else.

Brands with an audience already

Retailers, media and sports properties, faith and affinity organisations, associations and direct-sales networks. You have the relationship and the trust; what you lack is the licensing, the rails and the billing system underneath a branded service.

Retail
Media and sport
Associations

Organisations that pay people

Employers, staffing firms, gig platforms and marketplaces. Payroll, early wage access and instant payout become part of your product instead of a bank transfer you have no visibility into.

Payroll
Gig and marketplace
Staffing

Operators extending a base

MVNOs, dealers, distributors and resellers with subscribers today. Add money movement to an existing wireless base — or add connectivity to an existing payments base — without running a second stack.

MVNO
Dealer and distributor
Fintech

The end customers these brands reach are often poorly served by traditional banking. 4.2% of US households were unbanked in 2023 — about 5.6 million households — and a further 14.2% were underbanked, meaning they held an account but still used non-bank services such as cheque cashing or money orders. FDIC, 2023 National Survey of Unbanked and Underbanked Households, published November 2024. fdic.gov/household-survey

09 / The honest comparison

Build it, stitch it together, or run it on ours

All three are legitimate. Which one is right depends on whether the platform is the business you want to be in, or the thing standing between you and the business you want to be in.

Build it

Carrier agreements, a sponsor bank, a card processor, a billing system and the compliance function to hold it together.

Control: Total — you own every decision and every defect.
What you take on: Carrier and bank negotiation, licensing, PCI scope, a permanent platform team.
Best when: The platform itself is the business you intend to be in.

Stitch it together

An MVNO enabler for connectivity, a banking-as-a-service provider for money, and your team in the middle.

Control: High on each part, low over the seam between them.
What you take on: Two contracts, two roadmaps, two customer records, and ownership of every reconciliation break.
Best when: One side of the offer clearly dominates and the other is a minor add-on.

Run it on ours

One convergent platform for both, operated by Unified Signal, presented entirely as your brand.

Control: You set the products, pricing, branding and rules; you do not run the plumbing.
What you take on: One integration, one commercial relationship, one party accountable for the whole service.
Best when: The service is the product and you want to launch it, not build it.

10 / Next step

Tell us what you want to launch

A first conversation is a scoping call: which service lines, which markets, which engagement model, and what the bank approval path looks like for your programme.

Start a conversation Read the product overview , PDF, 8.7 MB

800-884-4131 info@unifiedsignal.com About Unified Signal

Launch wireless service and money movement under your own brand

One core, every service

Unified Signal at a glance