Products

Product modules for people, merchants, schools, employers and partners.

A portfolio of wallet, rewards, payment, education and partner-powered banking concepts for the GoalVow ecosystem.

VowBank is building a digital banking experience powered by licensed banking and payment partners. Regulated services will be provided by authorised partners. Final product availability is subject to regulatory, partner, and compliance approval.

Product catalogue

Each module is clearly labelled by readiness and regulatory dependency

Cards, custody, savings, accounts and credit-related services remain future regulated products until authorised partners approve them.

VowBank Personal Wallet

Pilot Ready

Target: Individuals and VowRewards users

A mobile-first wallet dashboard for everyday payments, simulated savings goals and future partner-powered accounts.

Mock ZAR walletVowRewards linkBudgetsTransaction insights

VowBank Learner Wallet

Pilot Ready

Target: Learners, students and academy users

A controlled learner wallet for course rewards, stipends, scholarship flows and money education.

Course rewardsStipend trackingSavings goalsGuardian controls placeholder

VowBank Merchant Wallet

Build Phase

Target: Township merchants and small businesses

Merchant onboarding, QR payments, VowRewards acceptance, sales insights and settlement previews.

KYB workflowQR acceptanceStreetShops linkSettlement preview

VowBank Employer Wallet

Build Phase

Target: Employers and HR teams

Reward wallets for incentives, training budgets, bulk payouts and employee financial wellness.

Bulk payoutsTraining fundsStaff analyticsPayroll partner placeholder

VowBank School Wallet

Build Phase

Target: Schools, academies and learning hubs

Disbursement wallet for learner rewards, bursaries, school-fee tracking and academy fund management.

Bursary payoutsLearner walletsFee trackingAcademy reporting

VowBank Sport Wallet

Pilot Ready

Target: Clubs, athletes and sport partners

Athlete reward wallets, fan campaigns, event payments and sponsorship payout tracking.

Athlete walletsFan rewardsTournament payoutsSponsor funds

VowBank Family Wallet

Future Regulated Product

Target: Families and guardians

Family budgeting, child wallet supervision and allowance experiences subject to partner approval.

Allowance controlsSpending rulesFamily budgetsEducation modules

VowBank Business Wallet

Partner Required

Target: Small businesses and operators

Future business wallet with partner-powered collections, payouts, expense tracking and account services.

CollectionsPayoutsTeam accessReporting

VowRewards-linked wallet product thumbnail.

VowRewards Integration

Pilot Ready

Target: GoalVow ecosystem users

Rewards ledger integration that connects learning, commerce, sport and employer incentives.

Reward ledgerEarn rulesMerchant acceptanceCampaign analytics

Future partner-powered card services product thumbnail.

Future Card Services

Future Regulated Product

Target: Approved users and businesses

Virtual and physical card concepts to be delivered only through authorised card issuing partners.

Virtual card placeholderCard controlsSpending insightsPartner issuer dependency

Future Savings Pockets

Future Regulated Product

Target: Individuals, learners and families

Goal-based savings pockets subject to licensed partner, compliance and product approval.

Savings goalsRound-ups conceptEducation promptsPartner custody dependency

VowBank role-based operations dashboard concept for personal, merchant, employer, school, sport, admin, and compliance workflows.

Future Micro-Finance

Future Regulated Product

Target: Eligible users and merchants

Possible future credit or micro-finance journeys, subject to regulatory, affordability and partner approval.

Eligibility conceptAffordability checksPartner underwritingCompliance review