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Wallets Overview
Wallets manage tenant and service-level balances used for wallet-funded collections, disbursements, holds, top-ups, settlement review, and reconciliation.
Use Wallets when finance needs to know whether enough internal funds exist before money is collected, reserved, paid out, settled, or reconciled through rails such as mobile money.
Wallets And Mobile Money
Mobile money is an external payment rail. It moves money to or from a phone number through a provider such as Airtel Money or MTN MoMo.
A wallet is the internal tenant balance or float tracked by Pinkapple before, during, and after those external movements.
For example, a mobile-money payout may:
- Check the tenant or service wallet balance.
- Place a hold for the payout amount and expected fees.
- Submit the provider payment.
- Settle, release, expire, or reverse the hold based on the outcome.
- Update wallet and reconciliation status.
This distinction matters because a successful payout depends on both:
- a valid external rail and destination
- a funded wallet for the correct service, currency, and rail
Main Wallet Uses
Wallets support:
- funding mobile-money disbursements
- tracking available and held balances
- reviewing wallet collections and payouts
- monitoring holds and failed disbursements
- requesting and approving top-ups
- reviewing reconciliation drift
- separating funds by service where required
- supporting payment batch funding checks
Wallet Areas
| Area | Purpose |
|---|---|
| Setup | Configure wallets, service-wallet scope, currency, rail, alerts, and accounting behavior. |
| Operations | Monitor balances, transactions, holds, top-ups, alerts, and reconciliation state. |
| Admin review | Approve top-up requests, review evidence, and confirm pool or service wallet position. |
Workspace Reference
| Workspace | How Users Reach It | What Users Usually Do There |
|---|---|---|
| Wallets | Wallets -> Setup -> Wallets | Configure tenant or service wallets, rail, currency, status, balance alerts, and accounting behavior. |
| Service Wallets | Wallets -> Setup -> Service Wallets | Separate balances by service where policy requires it. |
| Wallet Transactions | Wallets -> Operations -> Wallet Transactions | Review collections, payouts, holds, reversals, and provider feedback. |
| Wallet Holds | Wallets -> Operations -> Wallet Holds | Review funds reserved for pending payout, settlement, or review. |
| Wallet Top-Ups | Payments -> Wallet Top-Ups or Wallets top-up workspace where available | Request, review, approve, or reject funding evidence. |
| Reconciliation | Wallets -> Operations -> Reconciliation | Compare wallet, provider, bank, and accounting state. |
Key Balances
Users should understand the balance types before approving payouts.
| Balance Type | Meaning |
|---|---|
| Available balance | Funds that can still be used for new activity. |
| Held balance | Funds reserved for pending payout, settlement, or review. |
| Ledger or book balance | Tracked balance after wallet movements are recorded. |
| Settled balance | Balance after expected provider or funding settlement is confirmed. |
| Reconciliation difference | Possible mismatch between wallet tracking, provider activity, bank evidence, or accounting. |
Do not read available balance as total funding. Holds can make the available balance lower than the ledger balance.
Service Wallets
Some tenants operate multiple services. In that case, each service may need its own wallet so funds are not mixed across operations.
When service wallets are used:
- always filter by service before reviewing balances
- approve top-ups against the correct service wallet
- execute payouts only from the intended service wallet
- reconcile each service wallet separately where policy requires it
Wallet Status Questions
Before relying on a wallet, ask:
- Is the wallet active?
- Is the currency correct?
- Is the service scope correct?
- Is the provider rail correct?
- Is the available balance enough?
- Are there stale holds?
- Are there unresolved failed transactions?
- Is there reconciliation drift?
- Is accounting posting enabled and healthy where required?