OneAPP4All™

Your Branded SuperApp. Your Ecosystem. Your Rules.

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Branded SuperApp on a smartphone: a service grid with EV charging and parking, floating chat, mail and fingerprint icons, and a yourBrand payment card

One Platform. Infinite Possibilities.

OneAPP4All™ gives you everything you need to design, launch, and scale a fully branded SuperApp — with identity, payments, chat, and signatures built in from day one.

The Identity LayerBehind Leading SuperApp Platforms

  • Migros Bank
  • ING
  • VakifBank
  • Airbus
  • Raiffeisen Bank
  • BMW Bank
  • Techniker Krankenkasse
  • Consorsbank

Your SuperApp. Fully Equipped.

OneAPP4All is built for modularity. You choose where to begin – and grow on your terms

  1. STEP 01

    Secure Digital Identity

    Every user in your SuperApp gets a verified, device-bound identity. Onboarding, authentication, and access — all handled by the same identity layer that banks and governments rely on.

    Phone screen scanning an ID card during identity verification, with a verified shield badge and the confirmed identity of Kelly Doe
  2. STEP 02

    Trusted Messenger

    Secure, encrypted messaging built directly into your SuperApp. Users communicate inside your platform — every message verified, every conversation within your data boundary.

    Trusted Messenger chat where the KOBIL Ai assistant offers a consultation about medicine with quick-reply options
  3. STEP 03

    Legally Binding Signature

    Your SuperApp can request, route, and collect eIDAS-compliant digital signatures without a third-party tool. Every signed document is tied to a verified identity and logged in the audit trail.

    Phone showing a treatment document being signed with a handwritten digital signature
  4. STEP 04

    Payment Gateway

    Integrated payment flows that run inside your ecosystem. From purchases to approvals and settlements — every transaction is identity-verified and secure.

    Phone showing a payment transaction secured by the Payment Gateway with an accept button

Your platform growsas your business does.

FULLY BRANDED TRUST

Your Brand.
Your Design.

Customise everything — colours, logos, icons, banners, and home screen layout. Your SuperApp looks and feels exactly like your brand, not a white-label product.

Branded SuperApp home screen with brand colour swatches, quick-action tiles, and a banner component being dragged into place

AI POWERED TRUST

AI Technology
Powers the Platform

AI-driven analytics understand how users engage with your app. Content, services, and MiniApps are delivered dynamically based on user behaviour — without manual configuration.

AI core chip linked to secure payment, threat scanning, and biometric verification tiles

FRICTIONLESS DEPLOYMENT TRUST

Build Once. Deploy Everywhere.

MiniApps are web-based and cross-platform. Build a service once and deploy it across iOS and Android — no duplicate development, no platform fragmentation.

Apple App Store and Google Play store icons

CASE STUDY

Istanbul Senin - Redefining City Services

CHALLENGE

The City of Istanbul needed a unified digital platform to streamline citizen services, improve communication, and enhance trust in public administration.

SOLUTION

With KOBIL’s platform, Istanbul launched the Istanbul Senin SuperApp, integrating:

  • IDentity for secure citizen authentication.

  • Trusted Messenger for real-time updates and citizen feedback.

  • MiniApps for services like public transport, waste management, and city announcements.

RESULTS

With KOBIL’s platform, Istanbul Senin integrated:

  • Over 2 million citizens onboarded within the first year.

  • Reduced service processing times by 50%.

  • Strengthened trust and engagement with modern, secure digital services.

Istanbul Senin SuperApp on an iPhone showing city-service MiniApps such as Cep Trafik, Söz Senin, IBB Wifi and Istanbulkart payments, in front of an aerial photo of Galata Tower with the İstanbul Senin logo

Security, Speed, and Simplicity. Built-In

Every SuperApp built on OneAPP4All™ meets the regulatory standards your industry requires — by architecture, not by addition.

  • Secure Identity

    Every user interaction is verified and protected.

  • Real-Time Threat Detection

    AI-driven security ensures zero compromises.

  • Tamper-Proof MiniApps

    Your services are secure, trusted, and compliant.

You innovate. We secure. Your users trust.

Why OneAPP4All?

Four reasons organisations build on OneAPP4All™ instead of starting from scratch.

FAQ OneAPP4All™

OneAPP4All™
Your SuperApp. Your Way.

Build Your Ecosystem.
Lead the Future.