We orchestrate over $10 billion in annual benefit distributions, serving as the intelligent infrastructure between governments, health plans, and the millions who depend on them. Our platform doesn't just process transactions—it learns from them, continuously optimizing how benefits reach the people who need them most.

Our Digital Universal Wallet solves what others can't: the complexity of managing multiple benefit types in one intelligent interface. By converging government EBT and healthcare benefits into a singular platform, we're not just digitizing cards, we're reimagining how vulnerable populations interact with essential services. This isn't just a wallet, it's a benefits command center that learns and adapts to each user's unique situation.

Managing over $10 billion in benefits annually, we’re one of the largest payment processors in North America. We work directly with leading payment rails, banks, government agencies, and health plans, providing the secure backbone for frictionless payments, while preventing fraud and ensuring compliance. We handle complexity so you don't have to: hosting environments, managing programs, distributing funds, directing spend, and meeting regulatory requirements. One partner. One platform. Tried, tested, and proven.

Our AI agents drive omnichannel shopping and customer support from an easy-to-use, all-in-one first touchpoint. These aren't chatbots pretending to be human. They're cognitive systems that understand context, remember history, and navigate complexity. They know benefit balances, coverage rules, and personal preferences. It’s one-on-one assistance from the world’s foremost expert, in your pocket.

With nearly 1,000 enterprise deployments and counting, we bring contact centers to the cloud and interconnect them to services and solutions that reduce costs while increasing customer satisfaction. Our systems learn from millions of interactions, identify patterns in real-time, and optimize continuously. The result? Customer experiences that get better and more efficient every day.