Per-user balances, instant transfers, holds, and payouts — out of the box.
Launch stored-value wallets with per-user balances, real-time transfers, configurable holds and liens, transaction limits, and instant payouts. All backed by a correct double-entry ledger.
Click any step to jump to it. Available + On Hold = Total.
Why this matters.
Holds, liens, partial captures, and limits are subtle — easy to write, hard to get right
Bolting wallets onto existing systems creates accounting gaps and reconciliation pain
Per-user balance correctness under concurrent load is a domain expert problem, not a code problem
What you get.
Everything you need to launch wallet.
Per-User Balances
Every user gets an isolated account with real-time balance tracking, backed by double-entry accounting.
Holds & Liens
Place, release, and capture holds on funds. Automatic expiry with configurable sweep schedules.
Transaction Limits
Daily, weekly, monthly limits with min/max controls. Configurable per profile and per currency.
Instant Transfers
Move funds between wallets instantly with full audit trails and configurable completion rules.
Lock Accounts
Sub-accounts for locked funds, auto-created on demand. Separate held and available balances cleanly.
Technical Highlights
Built For
Risks Mitigated
- Loss of funds
- Incorrect balances
- Unauthorized transactions
- Compliance violations
Works even better together.
These products integrate seamlessly with each other.
General Ledger
Double-entry, multi-currency, multi-dimensional accounting that never gets a balance wrong.
Learn moreFraud Detection
ML-powered fraud scoring, sanctions screening, and device intelligence — in real time.
Learn moreCampaigns
Launch and manage loyalty programs that are properly accounted for.
Learn moreReady to launch your
financial product?
Stop wrestling with double-entry, holds, and reconciliation edge cases. Get in touch to see how Goldie Street can de-risk your roadmap.