Role 1323
COOPER WALLET
1. Overview
Cooper Wallet by Cooper Social Finance Limited is a B2B financial infrastructure for platforms, marketplaces, and regulated businesses that unifies multiple payment gateways, wallet management, and KYC/AML tooling under a single, compliant control plane.
Cooper Wallet provides single point API for B2B Payments, Wallets & Compliance, Centralised payments, wallets, and compliance in one platform built for regulated businesses.
Cooper Social Finance Limited is a technology provider, not a bank or deposit-taking institution. Client funds are safeguarded by authorised payment institutions and are not held directly by the company.
2. Product & APIs
Core capabilities:
Payments control plane: orchestrate cards, bank payments, and local methods behind a single API; route by region, cost, and performance.
Wallets: issue multi-currency wallets, group balances, and partner wallets to power payouts, refunds, and internal transfers.
Compliance & monitoring: run CDD/CRA, KYC/AML, sanctions screening, and transaction monitoring from one place.
Performance targets include 99.9% gateway uptime and average routing latency under 200 ms, with modular APIs designed for regulated markets and B2B SaaS.
3. Pricing & Packages
Planned business model and revenue streams include:
- Platform usage fees: calculated by reference to transaction volume processed by regulated payment institutions.
- Subscription Plans: Merchants and fintech businesses subscribe to tiered plans based on transaction volume, support levels, and access to advanced features.
- Value-Added Services: Premium offerings such as fraud analytics, API integrations, and business intelligence dashboards enhance client value.
4. Market & Go-To-Market
Platforms and regulated businesses increasingly need unified payment orchestration, wallet infrastructure, and built-in compliance. Initial focus: UK and key international corridors, with partnerships to accelerate merchant acquisition and corridor coverage.
5. Technology, Security & Compliance
- Architecture: modular, cloud-native services with strong observability. Zero-trust access and encryption in transit and at rest.
- Security: biometrics, device binding and step-up authentication for sensitive actions; ongoing vulnerability management and third-party audits.
- Compliance: customer due diligence (CDD), customer risk assessment (CRA), and ongoing KYC/AML monitoring. UK focus with safeguarding by authorised payment institutions.
6. Investor Snapshot & Roadmap
Cooper Wallet is pre-revenue and preparing to raise up to £250,000 from investing Non-executive directors and has applied for SEIS Advance Assurance.
Our plan is for Investing NEDs to be key part of our product-fit and subsequent market penetration strategies and delivery.
We’re seeking Investing NED’s with background, experience or networks in the following areas:
- Proven entrepreneurial leadership
- Fintech and regulated financial operations
- Business strategy and scalable growth execution
- UK fintech regulatory board experience
- Commercial go-to-market insight
- Ability to support FCA engagement and future fundraising
Planned integrations include ClearBank and TrueLayer, alongside pilot merchant design partnerships.
How to apply
Please reach out to This email address is being protected from spambots. You need JavaScript enabled to view it. to express your interest.
Closing Date: 4 weeks from posting.
