In its early stage, Monedero was Roggio's proximity card for urban transportation payment. Realizing that Monedero's user base had unsatisfied transactional needs, we designed and developed a non banking virtual account connected to a mobile app, web access and its contactless card. This innovative system provided Monedero's users with a simple payments solution to perform daily in-person or remote operations (e.g. cash in with cash, credit and debit card or bank transfer, P2P transfers, in-store and online purchases, bill payment, mobile top-up). After implementation, we operated the entire platform, managing 8M virtual accounts, 7M prepaid cards, 2.5M app downloads, 5.2Bn transactions and 30K associated merchants.