Wallet Ledger Software for PSPs, Neobanks & Payment Apps
Run wallet-based financial products on a ledger built for real-time balances, structured money movement, and reconciliation-ready records.
Track wallet top-ups, transfers, fees, refunds, and payouts in one operational system of record for digital wallets, PSPs, and neobank flows.
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Run Wallet-Based Products With Real-Time Balance Logic
Support wallet top-ups, internal transfers, fee posting, merchant balances, and payout visibility in one operational ledger layer built for stored-value products.
Customer Wallet Balances
AvailableTrack spendable balances across user wallets and stored-value accounts.
Wallet-to-Wallet Transfers
AvailableMove funds between internal accounts with consistent debit and credit posting.
Merchant and Seller Balances
AvailableMaintain merchant-level balances, commissions, and payout visibility.
Fees and Commissions
AvailablePost charges as separate balance-changing events instead of hidden adjustments.
Refunds and Reversals
AvailableHandle corrections through new entries while preserving transaction history.
Payout and Settlement Flows
AvailableTrack outgoing transfers, payout states, and reconciliation-related movements.
Capabilities for Wallet Balances,
and Transfers
Real-Time Wallet Balance Updates
Keep user-visible balances accurate as soon as a transfer, top-up, fee, or payout event is posted.
Internal Transfers and Value Movement
Move funds between wallets, sub-wallets, and internal accounts with structured debit and credit posting.
Sub-Wallets and Account Hierarchies
Support savings pockets, bonus wallets, merchant balances, and other account structures inside the same ledger model.
Fee and Commission Posting
Record service charges, transfer fees, and platform commissions as separate balance-changing events.
Refunds, Reversals, and Corrections
Handle failed payments and returned funds through new entries instead of overwriting transaction history.
Payout State Tracking and Settlement Visibility
Track outgoing payouts, payout-in-progress balances, and settlement-related balance movements with full traceability.
Built for PSP, Neobank, and Payment App Flows
Support wallet-based balance logic in products where transfers, fees, merchant balances, and payout visibility must work in real time.
PSPs
Manage merchant balances, net settlement positions, processing fees, and payout states inside one wallet-ledger layer. This supports clearer balance ownership, more traceable money movement, and better visibility across payment operations.
Neobanks
Support stored-value features, customer sub-accounts, and wallet-like balance logic alongside broader banking operations. This gives end users real-time balance visibility while helping teams manage internal value movement more consistently.
Payment Apps
Run top-ups, peer-to-peer transfers, spendable balances, refunds, and reversals on top of a structured transaction record. This makes wallet-based user experiences more reliable while preserving the history behind each balance change.
Why Teams Move Beyond Balance Tables and Manual Reconciliation
As wallet products grow, editable balances, fragmented posting logic, and manual reconciliation create operational risk that does not scale.
Balance Logic Becomes Fragile
When balances are maintained as editable values instead of structured ledger entries, it becomes harder to explain how a number was formed, trace where it changed, or correct issues without introducing new inconsistencies.
Transfers and Fees Spread Across Systems
As products evolve, transfer logic, fee calculations, and payout handling often end up split across services, jobs, and provider callbacks. That makes wallet behavior harder to govern and creates more room for mismatched balance states.
Refunds and Reversals Get Messy
Without a dedicated wallet ledger, returned funds and failed payments are often handled through ad hoc updates rather than structured entries. Over time, this weakens auditability and makes transaction history less reliable.
Merchant and User Balances Become Harder to Track
PSPs, marketplaces, and wallet-based products need clear visibility into who owns what balance at any given moment. As more flows are added, manual balance tracking becomes slower, less transparent, and more difficult to trust.
Reconciliation Turns Into an Operations Bottleneck
When internal wallet activity is not recorded in a structured ledger layer, matching balances against provider reports, bank movements, and payout states takes more manual work and becomes harder to scale cleanly.
Growth Increases Control Risk
What works for a limited number of wallets often breaks once the product adds sub-accounts, more payment providers, more currencies, or higher transaction volume. The cost of weak balance infrastructure rises with every new flow.
How Wallet Ledger Software Fits Into Your Payments Stack
Position the wallet ledger between payment events, user-visible balances, and downstream reconciliation or reporting workflows.
Payment and Wallet Events
Top-ups, transfers, fees, refunds, and payouts enter the stack as balance-changing events.
Wallet Ledger Layer
Each event is posted in a structured ledger that keeps internal money movement traceable.
Balances and Downstream Finance
Posted events update spendable balances and support reconciliation, reporting, and control.
Why SDK.finance
Built for Wallet-Based Operations
Support wallet balances, internal transfers, fee posting, refunds, payouts, and other balance-changing events inside one operational ledger layer.
SaaS and Source Code Delivery Models
Choose the deployment model that fits your product, compliance, and ownership requirements, whether you want faster launch or deeper infrastructure control.
Configurable Account Structures
Model user wallets, merchant balances, sub-accounts, and internal operational accounts inside one configurable financial architecture.
Multi-Currency Support
Operate wallet products across multiple currencies and balance types, including customer, merchant, virtual, and bonus-account scenarios.
APIs and Event-Driven Integration
Integrate wallet ledger functionality into your broader stack through APIs, webhooks, and external service orchestration.
Reconciliation-Ready Transaction Records
Maintain transaction histories that support payout visibility, provider matching, downstream reporting, and finance control workflows.