Vimass Wallet is a pioneering e-wallet application that utilizes facial and hand biometrics, allowing users to make quick payments and transfers, even without an internet connection. Vimass Wallet is suitable for everyone: those with phones, those without phones, and even those without ID cards.

1. For those with ID cards and phones
Users download the Vimass Wallet application on Android, register the wallet with two layers of password protection. Then, they update their personal information and verify their chip-embedded ID card via NFC. If the information matches, the facial biometrics will be saved to the phone. The wallet owner has the right to use the phone wallet as cash or a bank account according to the regulations of the State Bank of Vietnam.
Vimass Wallet supports storing facial and hand biometrics, topping up via QR code from the bank, and transaction statements for up to 10 years.
Smart payment methods:
- Scan QR code: to find out the account holder, bank, and account number; - Scan gas station: Vimass Wallet scans the gas station screen using AI and location to find out the number of liters, unit price, total amount, account holder, bank, and account number; then authenticate with Face ID (password 2) to make the payment.

- Scan paper receipt or payment screen: Vimass Wallet uses AI and location to find out the product catalog, unit price, total amount, account holder, bank, and account number; then authenticate with Face ID (password 2) to make the payment. All transactions are authenticated with 2-factor biometric authentication, ensuring absolute security.

Using biometrics for identification/authentication:
- Identification: Place your face in front of the camera or your hand on the reader. The Vimass Wallet will recognize the wallet owner (1 in 10,000 people in under 2 seconds) and display/read (when speaker is on) your profile picture, name, phone number/card number, and year of birth (when permitted).

- Authentication: When making payments or performing smart transactions with the Vimass Wallet, the wallet owner must perform biometric authentication a second time (different from the first) to ensure accuracy and absolute security.

2. For those with ID but no phone:
Users can use the Vimass Card (8KB or 16KB biometric card). The card allows registration of main and sub-wallets, identity verification via NFC, direct storage of biometrics on the card, and use of the wallet like cash or a bank account.

Top-ups, statements, QR payments, gas station purchases, and bills are all done by tapping the card and biometric authentication via another person's phone.
3. For those without ID cards
Parents, relatives, or schools can register a secondary wallet (A/B) for those without ID cards. The secondary wallet is used like cash, with the main wallet being responsible.
The secondary wallet still offers:
• Facial and hand biometric data storage
• Top-ups and statements
• QR payments, gas station purchases, and bills
• Fast biometric identification and authentication in under 2 seconds
4. Use without internet
- In areas without internet connection, use the Vimass wallet on your NFC-enabled phone to select products/services, amounts, and details; then tap the card and authenticate so the main/secondary wallet can transfer money offline to your phone wallet (when the main/secondary wallet has sufficient offline balance). Offline transactions are recorded in the card's memory (maximum 30 transactions for 8KB cards and 60 transactions for 16KB cards) and the phone's memory.
- As soon as the phone has internet access, offline transactions on the phone will be updated to the Vimass server and converted into online transactions.

- As soon as the card is tapped against the Vimass Wallet application on an internet-connected phone, offline transactions on the card will be updated to the Vimass server; the card's offline memory is cleared.

5. Rights and Extended Features
• One card linked to the same ID card.
• Authorization for lookup for up to 20 wallets.

• Ability to create business points, fixed or mobile identification points when authorized.