Wallets on real books
Each user gets accounts per purpose (cash, points) on a double-entry ledger, not a balance column you have to reconcile by hand.
Solutions
Launch a wallet product on books you can defend in an audit.
Neobanks live and die on their ledger. WalletD gives you the whole money stack on a double-entry ledger of record, so you can ship features fast without betting the company on a balance column that might drift.
The problem
The ledger is the part you cannot get wrong.
Most wallet products start on an application database with money as a number and balances derived on the fly. It ships fast and then becomes the thing you can never safely touch.
- Balances that disagree with history the first time a job runs twice.
- Floating-point money and rounding that quietly leaks value.
- No clean answer when a regulator or partner asks you to reconcile.
- Rewards, holds, and refunds bolted on outside the transaction, where they race.
How WalletD fits
Everything a wallet product needs, on correct books.
Funded through Stripe
Card and hosted-checkout top-ups, credited only on verified confirmation, with a reconciliation sweep so a missed webhook never loses a payment.
Real-time P2P
Wallet-to-wallet by handle, phone, or email, settling synchronously with velocity caps enforced inside the transaction.
Tiers and credit lines
Per-tier balance and velocity limits checked before the processor is called, plus audited credit lines for bounded negative balances.
Cashback that ties out
A rule-based rewards engine that grants at the moment of capture and reconciles to the ledger, grant for grant.
Audit-ready from day one
Append-only history, idempotent calls, and an independent audit trail your risk and compliance teams can actually inspect.
Early access
Become a design partner.
We are working with a small number of teams building wallet and money products on WalletD. If that is you, let's talk. You will get direct access to the people who built it.