Here are the best digital-wallet options in Sri Lanka for everyday payments (quick summary, pros/cons and best use-cases). I included sources for the main claims.

1. eZ Cash (Dialog)

• Overview: Sri Lanka’s largest mobile-money platform (Dialog), supports wallet top-ups, person-to-person transfers, bill payments, merchant QR (LankaQR) and ATM cash-outs. Works for users without a bank account and has “Classic” and upgraded “Power” wallet limits. (ezcash.lk)
• Why use it: Very wide merchant/agent network across the island; simple USSD/app registration for Dialog/Airtel customers; good for cashless everyday purchases and small businesses.
• Limitations: Some features/limits depend on KYC level and whether you’re a Dialog user.

2. Frimi (Nations Trust Bank)

• Overview: A full digital banking app with e‑wallet functionality (deposit account, virtual/physical Mastercard debit, LankaQR support, bill payments, PFM features and instant transfers). Designed for consumers who want a full digital bank experience. (Frimi.lk)
• Why use it: Great if you want banking + wallet in one app (earn interest, virtual cards for online purchases, split-bills, easy top-ups). Strong merchant acceptance via LankaQR.
• Limitations: Frimi is a bank product, so some features require KYC and linking bank accounts.

3. HNB SOLO (HNB)

• Overview: HNB’s SOLO eWallet lets users register via app, link bank cards/accounts, scan SOLO QR or pay via LankaQR/JustPay channels to merchants. Aims at simple everyday payments. (Dailymirror.lk)
• Why use it: Useful if you’re already an HNB customer; integrates with the bank’s ecosystem; supports QR payments and card linking.
• Limitations: Best value when you use HNB services; some features may require account linking/KYC.

4. Bank mobile apps and LankaPay / LankaQR ecosystem

• Overview: Most major banks and many digital banks in Sri Lanka support mobile wallets or instant-pay features and accept LankaQR (a nationwide interoperable QR standard promoted by LankaPay/Central Bank). That means you can pay at many merchants by scanning the same LankaQR code from different wallet/bank apps. (Dialog.lk)
• Why use it: Interoperability — you can use whichever participating wallet/app you prefer and still pay widely across merchants that display LankaQR.
• Limitations: Merchant acceptance varies by region and merchant size; check if your preferred app supports LankaQR.

5. Cross‑border / tourist-friendly acceptance (Alipay+ via LankaQR)

• Overview: From 2025 LankaPay has enabled Alipay+ acceptance so international e‑wallets can pay via LankaQR at many Sri Lankan merchants — useful if you expect foreign visitors or use international wallets. (ffnews.com)
• Why use it: Helps merchants accept payments from foreign wallets and tourists; signals broadening interoperability of Sri Lanka’s QR payments.

Quick recommendations for everyday use

• If you want the widest local coverage and low-friction access without a bank account: eZ Cash. (ezcash.lk)
• If you want a full digital bank experience (savings, debit cards, budgeting) plus wallet features: Frimi. (Frimi.lk)
• If you’re an HNB customer or want a bank-backed eWallet: HNB SOLO. (Dailymirror.lk)
• For merchant payments choose apps that support LankaQR — it gives the most interoperability across merchants regardless of which wallet they or you use. (Dialog.lk)

Security & everyday tips

• Do the required KYC (upgrading classic to power wallet increases limits and reduces transaction friction). (ezcash.lk)
• Use app PINs/biometrics, enable notifications, don’t share OTPs/PINs.
• Keep a small cash backup — acceptance still varies for very small vendors in some areas.
• Check fees and daily limits (they differ by wallet, KYC level and merchant type).

If you want, I can:

• Compare fees/limits for two specific wallets (e.g., eZ Cash vs Frimi) with current numbers, or
• List steps to register for any one wallet and where to top-up/withdraw in Colombo or another city (I’ll pull up the latest local details).