Wallets as a Service
Give your customers a balance.
Wallets and sub-accounts on a double-entry ledger — top-ups, transfers and real-time cash-out, under your brand.
- Wallets
- Sub-accounts
- Linked Accounts
- Ledgers
- Real-time cash-out
A wallet for every account you onboard.
Every account you onboard gets a wallet — per user, per driver, per business. Each gets an available balance, a pending balance and a transaction history — on a ledger you can read directly.
- A wallet with every onboarded account
- Top up over QR Ph, GCash, bank transfer
- Transaction history and export per wallet
One ledger underneath all of it.
Every movement is a double-entry line, posted when InstaPay or PESONet confirms the transfer — so every balance traces to a rail confirmation.
- Double-entry, immutable, queryable
- Posted as the rails confirm
- Debits equal credits, always
Cash out in real time.
Customers move money to any Philippine bank or e-wallet over InstaPay, from inside your product. Limits follow each wallet’s type, with custom limits for enterprise.
- InstaPay cash-out · real-time
- Limits by wallet type
- Every cash-out on the same ledger
Developer API
Available, pending. One read.
A wallet is a ledger account with a customer attached. Every balance you show is the sum of entries you can audit.
{ "data": { "id": "wallet_Y1fYZhnbA4JAiQy24ARbXbTE", "merchant_id": "org_ekTMVhwzcJs8KmCjr4X9jndd", "status": "activated", "balance": { "available": 1000000, "pending": 0 }, "account": { "currency": "PHP" } }}
