From what I’ve seen working with mobile products, most digital wallet projects follow a few clear stages. It usually starts with research and planning to understand user needs and define the core features. After that comes design and development, where the main functionality like payments, account management, and integrations is built. Then the app goes through testing, especially focusing on security and stability, before finally being launched and maintained with updates. I recently saw a good overview of this process here: https://weelorum.com/blog/4-steps-of-digital-wallet-development-and-keepi... — it explains the main development stages and also touches on security practices that are important when building digital wallet solutions. It’s a helpful breakdown if you’re curious about how these kinds of apps are structured behind the scenes.