Cash is king of digital payments. It always works, it’s easy to handle and it safeguards personal privacy. Crunchfish preserves these features when cash goes digital. The transformation will be profound as digital cash will be present in all mobile wallets in the future.

“People should be able pay privately and offline, just like using cash. The settlement to move money between accounts is a subsequent separate step. Cash goes digital.”

Joachim Samuelsson

Digital Cash Wallet xoxo

Digital Cash are always transferred immediately since it is independent of anything that can go wrong online. Our vision is that we will continue to pay with cash, but in digital form.

Payment schemes

Real-time payments

The Digital Cash Wallet may be integrated in any real-time payment system, including closed loop wallet, three-party schemes as Swedish mobile payment service Swish or a four-party model used by UPI in India.

EMV card rail

Digital Cash Wallets may be used for smart cards or digital wallets in push or pull transactions on the EMV card rail using either HCE or OEM pay.

PCI certification would either be done by the bank/payment service or provided with the card rail component.

CBDC – Central Bank Digital Currency

Crunchfish’s Digital Cash Wallet makes it swimmingly easy to implement CBDC, as there is no need for additional infrastructure. CBDC should be implemented as a new currency rather than a cryptocurrency. It is then possible to use existing digital payment rails to distribute CBDC, requiring no infrastructure investment for the Central Bank or commercial banks. This is a tremendous simplification that will accelerate CBDC roll-outs in the world.

Digital Cash Partners

By cooperating with partners within complementing fields of technology, Crunchfish opens up marketing channels, new geographical markets and strategic customer segments. We have defined an ecosystem for Digital Cash Partners with the purpose to quickly scale up sales and get a global spread of Digital Cash Wallets.

Digital Cash Partners in place:

#1 – V-Key
developing V-OS, the world’s first virtual Secure Element for Payment Apps.

#2 – neoEYED
working within the field of security through Behavioral Biometrics in Payment Apps.

#3 – eCurrency
providing CBDC digital currency security systems for Central Banks.

#4 – DigitSecure
delivering a PCI-certified, international card networks compliant, SoftPOS for Merchant Terminals.

#5 – Taisys Technologies
delivering Thin SIM technology enabling Digital Cash on feature phone’s Payment Apps.

#6 – VISA
a world leading Payment Network.


Protected areas

Priority from 2020.








Patrik Lindeberg
CEO, Crunchfish Proximity AB


Joachim Samuelsson
CEO, Crunchfish AB (publ)


Vijay Raghunathan
Crunchfish India Head

Gagan Kochar
Senior Business Developer