back-office
If your business handles customer funds, balances, and wallet operations
Fragmented balance data obscures control—what should be on accounts? Where's the mismatch?
Manual reconciliations fail
Wallet balances don't match bank/provider holdings
Provider data scattered across systems
Top-ups and withdrawals go through multiple providers, data lives in different dashboards and sources, and reconciliations have to be done manually
No end-to-end balance history
Refunds, reversals, partial operations, and stuck statuses are reflected inconsistently, so the movement of funds has to be reconstructed manually
Balances are hard to prove
Requests from a bank, auditor, or partner regarding balances and liabilities require lengthy manual verification across multiple data sources
Without a single control layer
for balances and liabilities,
user funds stay opaque
and hard to manage effectively
The business loses transparency over obligations to users, speed in resolving disputed situations, and defensibility for banks, partners, and audit
What this leads to in wallet businesses handling customer funds
This is no longer just labor-intensive accounting: errors and weak control over user funds affect obligations to users, raise pressure from banks and partners, and increase the cost of scaling
Errors in liabilities
Balance errors spark user disputes and compensation costs
Losses on unreconciled transactions
Duplicate debits, unrecorded refunds, and stuck statuses lead to direct financial losses
Growth constraints
Insufficient control and defensibility increase pressure from banks and partners and make scaling the business harder
Rising operating costs
As transaction volume grows, so do the costs of reconciliations, investigations, and period close
What changes with Wallet Control back-office?
You move from fragmented balances, manual reconciliations, and disputed transactions to a single user funds control layer where customer balances, liabilities, and provider-side operations are transparent, verifiable, and auditable
Single source of truth for customer balances
- Every customer balance can be traced down to the specific transaction and ledger entry
- You can see why the balance is exactly what it is and which events changed it
- The logic behind customer balances and liabilities becomes transparent and verifiable
Provider reconciliations without manual assembly
- Regular reconciliations for top-ups and withdrawals no longer require manually pulling data from multiple provider dashboards
- The system generates a list of disputed items by status, amount, and fee
- You see not only that there is a mismatch, but exactly where it occurred
Adjustment control
- Changes are recorded and routed through roles, permissions, and approvals
- Every adjustment keeps its own history: who made it, when, and why
- Any change in balances and transactions becomes transparent and verifiable
Faster close and defensibility
- Financial events are reflected in accounting in a standardized way without manual data assembly
- Period close becomes faster and requires fewer manual investigations
- Reporting and defensibility for banks, partners, and auditors are produced without manually stitching information together
How does it work?
Overlay implementation with no migration and no interruption of operations.
Implementation takes 1–2 months, depending on the complexity of your business model and the number of data sources to be connected
Deployment and data source connection
We deploy securely and connect via APIs—no system replacement, no downtime
Unified balance and transaction logic
We bring top-ups, withdrawals, transfers, refunds, reversals, fees, and multicurrency transactions into a single accounting logic so every event is reflected under consistent rules
Rules, roles, and control
We configure calculation rules and change control through roles and approvals. We also create a queue of discrepancies and disputed items for fast investigation
Reporting, drill-down, and go-live
We set up accounting for customer balances, reporting on balances and liabilities, and drill-down to the exact transaction and ledger entry
Modular architecture: if needed, for hybrid payment business models we connect additional modules (Merchant Settlement / FX / Credit-BNPL) without rebuilding the system — all within one unified accounting control layer
Ready to see Wallet Control back-office in action?
In the demo, we will show how the solution would look and work in your business model