Building a Digital Wallet: From Ledger to Launch
Discover how to design, build, and scale digital wallets with confidence. This ebook covers architecture, balance calculations, and implementation strategies using Modern Treasury.
Digital wallets are a core feature driving growth, loyalty, and control over money movement. But building one is complex. From regulatory structures and ledger design to real-time balance calculations and payment flows, each decision impacts compliance, scalability, and customer trust.
In this ebook, Building a Digital Wallet: From Ledger to Launch, you’ll learn:
- Key architectural choices around FBO accounts, virtual accounts, and double-entry ledgers.
- The nuances of balance types—posted, pending, available, and credit-based—and how they impact user trust.
- A practical example of designing a wallet flow, from onboarding to payouts.
- The technical implementation details, with API calls to create ledgers, record transactions, and query balances.
- Advanced features like metadata, account categories, and balance locking to make wallets production-ready.
Whether you’re a fintech developer, product manager, or engineer, this guide equips you with the knowledge and tools to build a reliable, production-ready wallet. Download the ebook today and start designing infrastructure that scales with your business.
