PNG Kumul Wallet

Create Account

Create a wallet account using your name and mobile number. (Phone auth optional)

Full name Mobile number (E.164) e.g. +6757XXXXXXX Initial PIN (4 digits) - demo only

Signed in as

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Wallet Actions

Top-up from Bank (simulate bank push) Amount (K) Bank Reference

In production: the bank sends an API/webhook to /kumul wallet to credit the wallet after settlement.

Send to another wallet user Amount (K) Note

Send to Bank (withdraw) Recipient Bank Account (Number)

In production: this creates a payout instruction for bank API or RTGS/SWIFT processing.

Account & Transactions

Balance (K) Your User ID

Recent Transactions

No transactions yet

Developer Notes

This is a demo single-file app using Kumul Wallet to manage accounts and transactions.

Production integration notes:
1) Use secure Kumul Cloud (phone/email) not demo PIN.
2) Implement server-side Kumul Cloud to handle bank webhooks for inbound credits and to call bank payout APIs for withdrawals.
3) Banks (BSP/Kina/Credibank/TISA) will require formal API integrations, KYC and settlement flows.
4) Protect against double-spend using Kumul Wallet transactions and Kumul Wallet verification.
5) Ensure PCI and data protection compliance. Do NOT store PINs in plaintext.