TALO
TALO 4PAY
The added-value wallet for acquirers and acceptance networks.
More engagement. More transaction volume. More loyalty.
Glifix SA ยท info@glifix.ch ยท April 2026
Positioning
More than acceptance.
An ecosystem of value.
Acquirers manage huge volumes, but their relationship with cardholders and merchants stops at the transaction. TALO adds a layer of native digital services โ€” loyalty, offers, analytics and e-commerce โ€” turning every payment into an opportunity for ongoing engagement.
Native white label. TALO adapts to the acquirer's identity: brand, colours, domains and their own networks. End users see the acquirer's product; TALO is the invisible infrastructure powering it.
The ecosystem
Value on three levels.
For cardholders

Ongoing engagement

Digital wallet with cashback, vouchers and loyalty programmes the acquirer can enable. Cardholders return for more than payment โ€” to discover offers, use benefits and access their spending profile.

For merchants

Business tools

Revenue dashboards, sales analytics, integrated web POS, campaign management and digital flyers. The electronic wallet operates on the private open source blockchain Hyperledger Fabric โ€” immutable and auditable.

For the acquirer

New revenue and data

Revenue from added-value services, aggregated transaction data and greater loyalty across the acceptance network. Competitive differentiation without dependence on third parties.

The application

In the user's hands: a complete wallet.

Dashboard
Dashboard
Request
Request
Marketplace
Marketplace
Business services
More than payments: a commercial infrastructure.
๐Ÿ”
Search & Information

Discover businesses

Search and mutual information sharing. A module for finding business information and searching public web services.

๐Ÿ›’
Marketplace & E-commerce

Sell together

A shared e-commerce marketplace and your own individual online shop. Mixed payment Euro + Wallet integrated natively.

๐Ÿ“ข
Visibility & Marketing

Get noticed

Cross-visibility between participants and to outside audiences through shared marketing campaigns and automatic, selective "matching" (AAI) of supply and demand"๐Ÿ˜Š.

The offering for merchants
Three levels of integration.
Level A โ€” Basic

Acceptance + visibility

Acquirer wallet acceptance + network profile + website (editable without programming) + Apache Superset dashboard.

Level B โ€” Commercial

Sell more

Level A + CRM, product catalogue with price lists, e-commerce with mixed payment Euro + Wallet, loyalty campaign management.

Level C โ€” Advanced

The complete system

Level B + complete Odoo ERP with consulting, accounting and tax management. Options:
๐Ÿ–ฅ๏ธ Checkout module โ€” integrated POS, mixed payment + meal vouchers.
๐Ÿฝ๏ธ Restaurant module โ€” kiosk, kitchen display and table ordering.

Assisted onboarding. Installation, configuration and training at reduced costs through automated procedures. The acquirer delivers the service at scale without dedicated resources for each merchant.
Technology
Open source, no constraints.
TALO is built on open source technologies: no licence costs, no supplier holding you hostage, and public code anyone can verify.
Current status
More than a prototype. A live platform.
๐Ÿ’ฐ
P2P payments
Instant QR Code payments on blockchain. Cost <โ‚ฌ0,01.
๐Ÿ‘œ
Multi-purse
Tokens, vouchers and loyalty with their own ledger rules.
๐Ÿ—จ๏ธ
Internal chat
Secure messaging between users and merchants.
๐ŸŒ
11 languages
Automatic detection of the device language.
๐Ÿ‘๏ธ
WebAuthn biometrics
Fingerprint and Face ID. Module present, debugging in progress.
โš™๏ธ Being debugged
๐Ÿ—บ๏ธ
Geolocation
Merchant map and digital card. Module present, debugging in progress.
โš™๏ธ Being debugged
The proposal

Your network deserves
infrastructure that measures up.

TALO 4PAY is more than a payment system. It is the digital infrastructure for your complementary monetary network, built on certified, modular and scalable open source technology.

info@glifix.ch glifix.ch 2026
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