Building and maintaining a wallet app can be challenging due to the following factors: 1. Safety. Ensuring the safety of users' personal and financial information is paramount. Developers must implement robust safety measures to prevent data breaches and fraud. 2. Compliance. Software wallets must comply with various legal and regulatory requirements, such as anti-money laundering and data protection laws. 3. User adoption. Convincing users to adopt a new payment method can be difficult, especially when they are used to different payment methods. 4. Technical complexity. Developing and maintaining a wallet application requires a high level of technical expertise, including integration with various payment gateways and managing complex data sets. 5. Competition. The digital wallet market is highly competitive. You need to maintain a competitive edge, push innovation, and stay up-to-date with the latest trends and technologies.