Personal Finance

Wallets Built on Ledger Discipline

Give users flexible wallet structures while maintaining deterministic balance accuracy and operational confidence.

Core Pillars

Route-level capabilities with explicit operational behavior.

Proof Signals

Reliability, security, and audit outcomes to verify.

Deterministic

Flow Model

Designed for replay-safe money and identity workflows.

Tenant-Aware

Isolation

Boundaries enforced across authorization and data access.

Capability Model

Core building blocks for this route

Each row below maps product capability to deterministic implementation behavior.

Segment funds across categories like bills, savings, and discretionary spend with clear ownership boundaries.

Model money in integer minor units to prevent floating-point drift across wallet operations.

Support wallet moves and reservations with deterministic hold release and settlement behavior.

Preserve transaction traces that can be audited from user action to final posting.

Replay-safe Event Loop

Ensure flows for multi-wallet structures remain deterministic under retries and asynchronous callbacks.
Expose state transitions and failure modes for operators and integrators.
Capture audit events with tenant and actor attribution for regulated environments.

Operational Proof

Double-entry assumptions are preserved end-to-end for wallet movement accuracy.
Idempotent posting patterns reduce duplicate processing risk on retries.
Designed for multi-tenant operations where each tenant's wallet data remains isolated.