Solutions
Digital Wallet Platforms
Fiat and multi-currency wallet systems with balances, transfers, funding flows and internal ledger integration — engineered to scale with your product.
Business problems addressed
- No unified wallet and balance model
- Manual reconciliation between wallets and ledger
- Limited controls over limits, fees and statuses
- Complex funding and payout flows
Who it is for
- EMIs and neobanks
- Marketplaces and remittance platforms
- Fintech products needing stored balances
Core capabilities
Fiat wallets
Multi-currency wallets
Customer wallets
Operational wallets
Treasury wallets
Available balances
Pending balances
Reserved balances
Internal transfers
Deposits
Withdrawals
Wallet-to-card funding
Card-to-wallet return flows
Fees
Limits
Statements
Wallet status controls
Internal ledger integration
Reconciliation
System architecture
Client ApplicationsAPI GatewayCardElse Wallet CoreBalance & Transfer EngineInternal LedgerReconciliation & Reporting
Example flow
- 1A customer wallet is created with multi-currency balances
- 2Deposits and internal transfers update available/pending/reserved balances
- 3Every movement posts to the internal ledger
- 4Fees and limits are applied per configuration
- 5Statements and reconciliation records are produced
Provider and integration categories
BanksPSPsCard funding integrationsInternal ledger
Operational controls
- Limits and velocity rules
- Fee configuration
- Wallet status controls
- Reserved-balance policies
Security considerations
- Ledger-backed integrity
- Role-based access
- Audit logs
- Data segregation
Implementation options
- Wallet Core as a module
- Full wallet platform build
- Ledger + wallet integration
Related CARDELSE products
How we deliver this
Frequently asked questions
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