Cloud-Native Wallet Fabric: Engineering Scalable, Multicurrency e-Wallet Platforms

The rapid evolution of digital financial ecosystems demands e-wallet platforms that can seamlessly scale while supporting diverse currencies and high transaction volumes. Traditional e-wallet systems, often constrained by monolithic architectures, struggle to meet these requirements, particularly in global, multi-currency contexts. This paper introduces the Cloud-Native Wallet Fabric (CNWF), a novel architecture designed to address these challenges through cloud-native technologies. By leveraging microservices, containerization, Kubernetes orchestration, and serverless computing, CNWF ensures elastic scalability, fault tolerance, and dynamic resource allocation. Additionally, the framework integrates blockchain technology to enhance security and transparency in cross-currency transactions. Empirical evaluations conducted in simulated high-load environments demonstrate CNWF’s ability to process over 50,000 transactions per second with sub-50ms latency, outperforming conventional systems. The architecture also reduces operational costs by 40% through efficient cloud-resource utilization. These findings underscore CNWF’s potential as a foundational model for next-generation, multicurrency e-wallet platforms, aligning with the agility and resilience demands of modern financial technology (FinTech).