Enabling secure offline digital payments

Welcome to Filia® Unplugged, where resilience meets innovation in the world of digital payment. With Filia® Unplugged, we empower you with the tools you need to enhance customer experience and drive business growth. Benefit from offering your customers more payment options and making sure they can always pay – even when they can’t connect.


Download the Whitepaper to learn more.


No connection. No power. No problem.

In today’s fast-paced digital economy, connectivity issues and rural areas often present challenges for digital payment transactions. With Filia® Unplugged, financial service providers—whether commercial banks, fintech companies, or mobile money providers—can offer a seamless and resilient payment experience to their customers, even when they are offline.

Now you can:

  • elevate user experience by making digital payments more resilient;
  • attract new clients in remote areas with unreliable network connectivity; and
  • ensure the highest level of security and privacy requirements.

Make your offering more reliable with a seamless and resilient offline digital payment experience.

A woman shopping at a fruits and vegetable market

As simple as cash. As versatile as digital.

As we move towards an increasingly digitized world, the role of digital online payments continues to surge in importance, transforming financial transactions at an unprecedented pace. However, in this environment of rapidly-evolving technology, don’t miss out on incorporating offline capabilities to enhance the effectiveness and convenience of online payment methods.

Introducing a digital payment solution with offline capabilities can foster digital financial inclusion, increase the resilience of an online payment system and enhance privacy, universal usage, accessibility, and trust.

Differentiate by presenting your customers with unparalleled flexibility and convenience.

Uncompromising. Uncomplicated. Unplugged.

Easy to use. And ready to use.

Offline digital payment is the transfer of a digital token without the need to connect to a ledger system. The user can easily download digital money tokens to a hardware wallet - for example, a smart card or a SIM card on their phone - and pay also in the absence of internet or telecommunications connectivity. Filia® Unplugged has been created with user experience in mind, lowering the barrier even for non-tech-savvy individuals.

See here how it works.

Filia® Unplugged is part of a field-tested technology

“With offline payment, we can bring ease and technology to people who have difficulty accessing the technological infrastructure.”

Marisa Reghini,
Vice President of Digital Business and Technology at Banco do Brasil

Close to 80 percent of consumer participants in the e-HKD pilot study of Standard Chartered Bank Hong Kong Limited and G+D see value in the offline payment capability of hypothetical e-HKD.

e-HKD Pilot Program,
Report Phase 1

Filia® Unplugged at a glance:

  • Enables consecutive offline digital payments, even when both the payer and the payee are offline;
  • Can be used in a variety of scenarios like peer-to-peer payments between individuals and payments at merchants;
  • Works with a diverse range of wallet form factors.
  • Easily integrated into existing payment systems.
  • Securely creates and distributes digital money tokens.
Filia Unplugged Whitepaper Cover

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Get the Whitepaper to unlock new possibility for you digital banking services.

Get in touch

Contact us today to learn more about how our solution can empower your organization to elevate customer experience and drive business growth.

We are always happy to provide advice and support to our customers and partners. If you have any questions, please do not hesitate to contact us.