Load funds

Updated on 11 Jan 2024

The E-wallet System operates with internal system currency which is covered by real money. So the top-up of wallets is essential for Users to be able to utilize a full list of functionality provided by the e-wallet platform.
In SDK.finance we understand that there can be different business models and requirements for top-up procedure, so we’ve foreseen and implemented basic top-up flow which can be extended and customized based on our client’s business needs.
Currently the system allows manual top-up of Users wallets through bank transfer or through cash desk.
There’s also a pre-implemented flow for top-up by cards, which is available on the UI, but will be fully functional after integration with a certain third-party provider which will cover this functionality.


Top-up wallet via bank transfer

• Banks should be added to the system.
• Operation should be activated in the Contract’s commission profile
Load funds

1. User chooses the wallet he wants to top-up
2. User requests the operation “Top-up via bank transfer”
3. System shows the bank details (from the list of created banks in the System) for the bank transfer.
4. User makes a Bank transfer to the received bank details.
5. The top-up transaction’s status: pending
6. Accountant of the E-wallet platform checks the payment in the separate banking system.
7. When the Accountant confirms receiving the bank transfer – he confirms the top-up in the System.
8. User’s E-wallet balance is topped-up for the relevant amount.


APIs for this Use case

Top-up wallet via cash desk

This functionality is currently not available on the UI provided out of the box. But having access to the source code and our APIs you can easily implement your business process for cash top-up.
There are main entities and processes implemented for cash top up.

Cashier – The Сashier is an actor in the system that performs operations “Top-up” and “Withdrawal” of funds from wallets through the cashdesk of the company.

Cash Desk – is the entity that operates with cash. On the system level cash desk is the type of organization to which roles of Cashiers belong. There can be several cash desks in the system.
Check the roles and organizations scheme.
Cashier is able to view and filter all transactions performed through the Cash Desk.

Cash Desk Day – is the operational day of a Cashdesk with a certain flow that should be followed to perform cash transactions.
• Cashier opens and closes the operational day of the cash desk.
• Cash Desk working day is the day during which cash operations are possible.
• At the end of the working day, Cashier shall close the day.
• After the day is closed by the Cashier the relevant request is reflected in the back-office of the Accountant.
• If the Cashier does not close the working day manually until 24:00 (in server time), the system blocks all operations in the personal account of the Cashier until the Cashier presses “Close working day” and the Closing of the Cash Day is confirmed by the Accountant.
• After closing the working day, the withdrawal and top-up functions are not available until the working day is opened and the only operation Open working day is available.
• If there are several cashiers in the cash desk organizations and one of the Cashiers opens the working day, another cashier from the same organization will not be able to open the working day.

• When the working day is open the following financial operations are available:
– Close working day
– After closing working day is initiated, the Accountant should accept it for this cash desk in Closing requests.
– After the closing request is accepted, the cashier is able to open a new working day.

• Withdraw cash
– The operation of withdrawal of funds from the wallet is possible only after reinforcement / deposit of capital into the cash desk.

• Top-up wallet
– At this menu Cashier is able to top-up the wallet by specifying the receiver’s mobile number or email, for which wallet is opened. By this operation, the system performs the money issue.

There are specific System operations related to cash transactions:
• Cash input – is one of two methods that allow the transfer of cash between cash desks. It is reverse to cash collect: this method performs transfer from reserve coin to cash desk’s coin. Cashier enters received from accountant request identifier, ensures that all information is correct and completes the process.
• Cash collect – is one of two methods that allow the transfer of cash between cash desks: this method performs transfer from the cash desk’s coin to a special coin with type reserve. Cashier enters received from accountant request identifier, ensures that all information is correct and completes the process.
• Investment – is a method of funds issuing within the SDK.Finance system. It simply increases the selected cash desk coin’s balance, which later can be used for withdrawals or transfers to other cash desks. Cashier enters received from accountant request identifier, ensures that all information is correct and completes the process.

Load funds


APIs for this Use case:

Working Day Management

Top up via cash desk


Wallet top-up via Third Party Provider

To allow wallets top-up via other services of Third Party Providers the integration with a relevant Third Party is required. 
After the integration a service will be available for configuration in the Contract’s gate commission profiles.