Create programmable wallets

Problem

Wallet balances must remain consistent while supporting credits, debits, and policy controls.

Architecture

Wallet ledger

Wallet

Ledger Entries

Balance Calculation

Spending Controls

Reconciliation

Implementation

Implementation

1Create a wallet for the customer or merchant.
2Record credits and debits as ledger entries.
3Compute balances from the ledger stream.
4Expose balances to checkout and payouts.

API example

Create wallet

const wallet = await orangepill.wallets.create({
  owner_id: "cust_123",
  currency: "COP"
})

Production considerations

Keep ledger entries immutable for auditability.
Reconcile wallet balances with settlement data.
Enforce spend limits and policy rules.
Monitor ledger lag and consistency.