Embedded Customer Credit Wallets & Ledgers
Launch prepaid credit systems inside your web or mobile app. Allow users to top up balances using Mobile Money or debit cards, issue promotional credits with expiration dates, and make real-time transaction drawdowns with double-entry audit records.
0.00ns
Ledger Race Conditions
100%
Double-Entry Audited
5+ States
Pending, Succeeded, Expired
Customer Credit Wallet
Audited Ledger · USD Wallet
$182.40
Ledger Activity
Top-up: Momo Deposit
10 mins ago
API Usage: Ingestion Meter
1 hour ago
Promotional Credit: App Signup
Yesterday (expires Jun 28)
Wallet Friction
Prepaid balance architectures are technically high-risk
Double-spending, currency depreciation, and double-entry book-keeping make coding custom wallets hard. Leverage Xtopay's battle-tested engine.
Balance Race Conditions
Double-spending drifts
When multiple concurrent API requests trigger deductions from a single customer balance, basic databases double-charge or create negative drifts.
Deposit Friction
No local top-up support
If topping up a developer wallet requires a foreign credit card, your African developers are blocked. Top-ups need native Momo processing.
Compliance Audits
Impossible audit trails
Failing to log deposits, drawdowns, refunds, and promo expirations in an immutable ledger makes passing regulatory financial audits a nightmare.
Xtopay secures credit ledger states with atomic lock-free transaction queries. Create developer account →
Wallet Ledger Sandbox
Double-Entry Customer Balance & Refills
Simulate high-fidelity merchant credit ledgers. Deduct balances dynamically for metered services, configure auto-charge thresholds, and observe race-condition-safe ledger logs.
Prepaid Balance Ledger
Xtopay Credit Card
Deduct Balance Simulator
Atomic Wallet Ledger Accounts
✓ Double-entry ledger audit compliance scope covers absolute zero leakage. Auto top-up is triggered instantly when balance declines beneath threshold via safe webhooks.
Product Capabilities
Developer-grade wallet architectures
A secure credit wallet engine engineered for financial precision. Power embedded payments, SaaS pre-paid credits, and dynamic top-up ledgers with confidence.
Atomic Transactions
Ensure complete balance safety. Our atomic state machine guarantees concurrent balance updates never drift or double-charge.
Double-Entry Ledgers
Every credit is linked directly to a debit entry in an immutable registry, giving your accountants a clean financial audit trail.
Dynamic Momo Top-Ups
Accept MTN MoMo, Telecel Cash, AirtelTigo, and local cards directly inside your wallet deposit interface.
Expiring Promo Credits
Drive product growth by granting promotional balances. Set automatic expiration times (e.g. valid for 30 days only).
Auto-Refill triggers
Settle billing seamlessly. Set rules to charge the client's backup payment method when their wallet falls below $10.
Multi-Currency Balances
Allow clients to hold separate, localized sub-wallets in GHS, NGN, KES, and USD, reducing exchange rate depreciation risk.
Double-entry ledger precision
Every wallet transaction is atomic and cryptographic. Rest assured that simultaneously hitting our APIs will never result in floating race conditions or drifted ledger states.
Native REST API
Clean HTTP endpoints with predictable JSON payloads
Signed webhooks
HMAC-SHA256 event delivery with automatic retries
Typed SDKs
First-class types for Node.js, Python, Go, and PHP
1curl -X POST https://api.xtopay.co/v1/wallets/wall_01HXYZ.../transactions \2 -H "Authorization: Bearer sec_live_..." \3 -H "Content-Type: application/json" \4 -d '{5 "amount": -1250,6 "currency": "USD",7 "description": "API Ingestion Meter drawdown",8 "metadata": {9 "request_id": "req_01HRZ..."10 }11 }'{ "id": "wtx_01HYS5D...", "object": "wallet_transaction", "wallet_id": "wall_01HXYZ...", "amount": -1250, "currency": "USD", "type": "drawdown", "description": "API Ingestion Meter drawdown", "new_balance": 17000, "metadata": { "request_id": "req_01HRZ..." }, "created_at": "2026-05-28T01:07:50Z"}Ready to embed credit systems?
Integrate atomic credit wallets and top-up ledgers into your app. Settle balances instantly with local Momo and direct bank transfers.