Connectivity
Carrier access, provisioning, rating, billing, reporting and porting — all of it on systems built for wireless and nothing else.
Launch embedded finance, payments and wireless from one platform
Branded wallets and debit cards, cross-border payments, merchant services and wireless — all of it under your name, sold to customers you already have. Unified Signal is the turnkey platform underneath: the technology, the integrations and the supplier relationships.
One platform · one integration · one partner
Every service you sell runs on one billing and operating platform, connected to an ecosystem of 100+ integrated suppliers.
- Mobile Wallet EnablementYour own branded wallet holding real balances, so the customer relationship and the money both stay with you.
- Debit Card EnablementPhysical and virtual debit cards in your brand, spendable wherever the network reaches.
- Merchant ProcessingTake payment from your own wallet holders directly, instead of routing every sale through card-network interchange.
- Cross Border PaymentsMove money across borders for your customers, on the same account and the same invoice as everything else.
- Wireless Services EnablementBranded voice, text and data on US networks, rated and billed against the same customer record as the money.
- TelehealthVirtual care offered as a benefit on the subscriber account, rated by the same core.
Unified Signal at a glance
- Since 1998 Building carrier and payment systems
- 150+ Brands launched on the platform
- 2M+ End customers enrolled
- 100+ Carrier, banking and content suppliers integrated
01 / White label
Everything your customer sees is yours
Launch wallets, cards and money movement without building what sits behind them.
Nothing your customer sees carries the Unified Signal name. You set the products, the pricing and the experience, and you keep the customer relationship. We provide the platform, manage the integrations, and work directly with the banking, payments, card, identity and carrier providers behind the program.
- Run it on our front end A branded customer app, web dashboard and support console, configured with your identity, your product mix and your pricing.
- Or bring your own Drive the same platform from your storefront, app or ERP through the API surface, and keep the experience you have already built.
- Or start with ours and move to yours Launch on the supplied front end to reach market quickly, then integrate the APIs and move screens onto your own as the program grows.
Yours
Your brand
Name, logo, tone, pricing, the product mix you sell — and the customer relationship.
Yours to shape
Your customer experience
App, web dashboard and support console — ours, yours, or ours first and yours later.
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Unified Signal
Wallets, ledger, money movement and identity; card programs through integrated issuing partners; carrier connectivity; compliance and support tooling — on one platform, with the banking, payment and card providers behind it.
Watch
Where we started, and where this is going
A short overview from the people who run the platform: what Unified Signal has built since 1998 across payments, wallets, money movement and supplier partnerships — and how a branded program fits together today.
Start here
Executive overview
The company's own account, ending where it matters: what a branded wallet, card and connection mean day to day for the people who use them.
Also available See it in practice — the longer walkthrough: the wallet and card experience, wireless, and worked examples of how brands use the platform.
02 / The problem
One launch. Four systems that were never built to meet.
Selling connectivity and money together normally means stitching together carriers, a sponsor bank, a card processor, identity and compliance. Each arrives with its own technology, its own contract and its own roadmap — and you pay, indefinitely, for the gaps between them.
Financial infrastructure
Wallets, cards, payments and cross-border money movement, each often needing its own sponsor bank, processor and program manager.
Customers and data
Separate systems make separate customer records — two logins, two balances, and no single view of the relationship.
Operations and compliance
Support, fraud, reconciliation, reporting and onboarding checks, spread across every provider above, with no one party answerable for the whole.
One platform One customer relationship · one contract · one party accountable
03 / The platform
One core. Every service you sell. Your brand on all of it.
One core holds the customer record, the billing and the reporting. Everything else — a SIM, a debit card, a telehealth visit — is a service line that settles against that same account.
The Unified Signal platform
- One customer record A subscriber, a cardholder and a wellness member are the same identity, with one balance history and one support view.
- Shared billing and reporting Wireless usage, wallet activity and subscriptions rate against a single account, settle on one invoice and report in one place.
- Configurable customer experiences Your branding across app, web and support console, in 15 languages and 100+ fiat currencies.
- Flexible APIs Run on the supplied front ends, drive the platform from your own systems, or mix the two.
- Operational controls Identity, fraud screening, limits, permissions and audit — compliance tooling and program controls configured around each program and its providers.
Money
Wallet, card & money movement
A branded banking alternative: hold value, spend it, move it and be paid into it — without your customer needing a traditional bank account.
- Branded mobile wallet A secure place to hold funds, send and receive by QR, run multiple balances and currencies, and schedule what moves next.
- Virtual and physical debit cards Branded reloadable cards drawn on the same balance: a virtual card issued instantly for Apple Pay and Google Wallet, a physical card for everywhere else, and companion cards on one account.
- Payments and bill pay Bill pay, scheduled payments, transfers between the customer's own accounts, and merchant acceptance from your own wallet holders.
- Domestic and cross-border transfer Account to account, push to any US debit card, SWIFT, and the Mobile Clearinghouse Network for settlement across borders.
- Cash in and cash out Load at retail, withdraw at an ATM, and pick up cash internationally — for the customers whose money still starts and ends as cash.
- Payroll and earned wage access 1099 and W2 payroll with an employer portal, paid straight into the wallet, with earned wages reachable before payday.
Connectivity
Wireless
A full MVNO on the same account as the money: voice, text and data sold under your name and rated by the same core.
- 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.
Everything behind the SIM — rating, taxation, porting, support tooling and dealer management — is covered in the wireless section below.
Everything else
Engagement & value-added services
The extras that make the relationship worth keeping, billed on the same account as the wallet and the phone plan.
- Rewards and marketplace An online retail marketplace that pays rewards into the wallet.
- Wellness and telehealth Virtual care benefits attached to the 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 all three 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.
04 / How money moves
Load it, hold it, move it — on rails you don't have to assemble
Every rail below terminates at the same account and the same ledger. You integrate once against the core, then switch on the rails your program needs — without rebuilding the customer experience each time you add a way to move money.
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Load Money in
Every way a customer can put money into the account.
- Bank transfer and ACH
- Debit card push from another bank
- Employer payroll and earned wage access
- Retail cash load
- Person to person, from another wallet
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Hold At rest
One account behind the wallet and the card, not two.
- Wallet, card and savings balances on one account
- Multiple purses, across 100+ fiat currencies
- One customer record shared with every other service
- Pending and available funds visible in real time
- One statement and one support view across all of it
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Spend At the merchant
The account works wherever cards already do.
- Card spend in store and online
- Apple Pay and Google Wallet from the virtual card
- Bill pay and scheduled payments
- Marketplace purchases inside your own brand
- Direct merchant acceptance from your wallet holders
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Send To someone else
Money out to a person, an account or a wallet.
- Person to person, by account or QR
- Push to any US debit card
- Account to account, domestic and cross-border
- SWIFT settlement to international banks
- Scheduled and recurring transfers
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Withdraw Out as cash
Money back out, in the form the customer needs it.
- ATM cash withdrawal
- Retail cash access
- Bank deposit
- Global payout
- International cash pickup
Figure 2 — One account, one partnership, one integration behind every rail above. Rail availability varies by program, jurisdiction and sponsor bank; the set enabled for your brand is agreed during scoping.
05 / Wireless
A full MVNO, without becoming a telecom company
Carrier connectivity on US networks through integrated carrier relationships, 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, billing and taxation for prepaid and postpaid, with per-jurisdiction regulatory fees, revenue assurance and margin reporting.
- Provisioning and activation through the same workflow engine as the rest of the account.
- Porting and lifecycle — bring numbers in, change plan, suspend, top up and cancel.
- Customer management with a 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.
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
Five phases from signature to live customers
Bank and card-network approval is the long pole and starts on day one. Your team's real work is branding and the beta.
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Discover
Which service lines, which markets, which customers — and what the bank approval path looks like for your program.
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Design
Your brand, your product mix, your pricing and the customer journeys behind them.
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Configure and integrate
The platform is configured to that design, and connected to whatever you already run.
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Test and approve
Staging, then a beta with real accounts, while bank and card-network approval completes.
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Launch
Production, go-to-market support, and a platform that adds service lines without re-integrating.
Figure 3 — Unified Signal's standard sequence for a full systems launch that includes a private-label debit card. Duration depends on scope and bank approval.
07 / How you want to launch
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.
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 program, re-branded
- Go-to-market support for the launch
- Shortest path to a live customer
SaaS private label
Your own program 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
Enterprise dedicated instance
A licensed instance of the platform for organizations that need isolation, their own configuration surface, or a deployment that fits an existing enterprise estate.
- Dedicated instance under license
- 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 / Industries
Industries that already have the relationship
Unified Signal does not sell to consumers and does not compete with its clients. The platform is for organizations with an audience already, who want to serve it directly instead of referring it somewhere else.
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Banks and credit unions
Extend the relationship past the branch, with digital accounts and cards members already expect elsewhere.
- Digital account onboarding
- Wallet and person-to-person transfer
- Card programs and controls
- Rewards and engagement tooling
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Fintech
Launch wallets, cards and payments without managing each provider and integration separately.
- Wallets and digital accounts
- Embedded finance inside your own app
- Cards, virtual and physical
- Real-time money movement
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Telecom and MVNO
Add money movement to a subscriber base already billing on your account.
- Wallets and stored value
- Bill pay from the same balance
- Wireless and wallet on one bill
- Loyalty and rewards
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Banking-as-a-service providers
Deliver accounts, cards and payments to your own downstream clients through one integration.
- Accounts and balances
- Card programs and controls
- Payments and transfers
- Program reporting and limits
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Gaming and digital entertainment
Give players, creators and digital communities a branded way to hold, spend and receive money.
- Branded wallets and stored value
- Fast payouts of winnings, earnings and refunds
- Player-to-player payments and transfers
- Virtual cards, digital payments, rewards and loyalty
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Retail
Stored value, rewards and a marketplace that keep spend inside your own brand.
- Store wallets and stored value
- Loyalty and cashback
- Marketplace and merchant payments
- Checkout inside your own app
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Travel and hospitality
Balances and cards for guests who cross borders and currencies on the same trip.
- Multi-currency wallets
- Reloadable cards for guests and staff
- Cross-border payouts
- Loyalty and rewards
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Marketplaces and gig platforms
Instant payout to sellers and workers instead of a bank transfer you cannot see.
- Payouts to sellers and workers
- Wallets on both sides of the trade
- Push to card, same day
- One customer record across the platform
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Employers and payroll
Pay wages, including early access, straight into an account you brand.
- 1099 and W2 payroll runs
- Earned wage access
- An employer portal
- Cards issued to the workforce
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Education and universities
Bring campus payments, disbursements and student financial services into one branded experience.
- Student wallets and campus accounts
- Scholarship, aid and refund disbursements
- Virtual and physical cards
- Payments for campus services, events and rewards
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Healthcare
Benefit balances and telehealth entitlements on the member's own card.
- Dedicated benefit balances
- Telehealth entitlements
- Disbursements to patients
- Member cards and wallets
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Membership and affinity brands
Turn an audience you already have into a financial and connectivity relationship.
- Branded wallet and card
- Rewards paid into the balance
- Member-only pricing and plans
- Wireless bundled with membership
09 / Why Unified Signal
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; we operate the platform underneath.
- 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.
Insights
News and insights
The most recent updates from Unified Signal on LinkedIn. Earlier announcements and shareholder letters are in the news release archive.
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Week 8 — Healthcare: patient wallets and insurance disbursements
How digital wallets and payment cards could carry healthcare funds, insurance disbursements and employer benefits directly to patients — across NHS, Medicare and Medicaid ecosystems, private insurers and international programs.
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Week 7 — The wallet isn't the product. The experience is.
One configurable financial layer behind very different communities — students, gamers, creators, travelers — so journeys, rewards and controls change without rebuilding the core each time.
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Week 6 — Banking, credit unions and embedded finance
Banks and credit unions should not have to become technology companies to compete like one. What white-label wallets, cards, payments and loyalty change about that equation.
10 / Next step
Tell us what you want to launch
A first conversation is a scoping call: which service lines you could launch, which markets, which engagement model, the economics, and what the bank and carrier approval path looks like for your program.