Points, cashback, conversion
Accrue points as their own currency, pay cashback in cash, or convert points to cash at a set rate, all as balanced ledger postings.
Solutions
A real ledger and wallet behind every point you issue.
Points are a liability. WalletD treats them like one, as a currency on a double-entry ledger, so your rewards program earns, spends, and reconciles with the same rigour as cash.
The problem
Loyalty platforms cannot show you clean books.
Most rewards systems track points in an opaque store with no ledger of record. You cannot recompute the liability, prove a member's balance, or reconcile a clawback. You just trust the counter.
- Point balances that cannot be recomputed from what happened.
- Double-grants and missed clawbacks that silently inflate liability.
- Caps and campaign windows enforced outside the transaction, where they race.
- Rewards and money living in two different systems that never agree.
How WalletD fits
A rewards engine that reconciles to the entry.
Rules with real caps
Scopes by category or merchant, per-user daily and monthly caps, and campaign windows, with caps claimed inside the transaction so they hold under load.
Earned at the moment of capture
A sale earns exactly what the rulebook said at the moment it captured, no matter when the async job actually runs.
Clawback done right
Refund a sale and the matching reward is clawed back proportionally, automatically, on the same books.
Points live in a wallet
Members hold a points balance alongside cash, spendable in your product, not a number in a loyalty silo.
Provable liability
Your outstanding points liability is a ledger balance you can recompute from history, an auditable number, not an estimate.
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.