16-digit virtual cards, peer-to-peer credit transfers, admin top-ups, and one-tap settlements — all under one balance, fully audited.
16-digit virtual card
Every active member gets a virtual card with a unique number, expiry, and CVV — useful for tracking internal credit without touching real bank accounts.
Peer-to-peer transfers
Move credits between members with one tap. Transfers require admin approval by default — keeps the system honest without slowing the team down.
Admin top-ups
Admins can add credits, deduct for corrections, and adjust balances at any time. Every action is recorded for the audit trail.
Quick-settle from wallet
When you've paid a teammate outside the app, submit a settlement straight from the wallet view — no need to re-enter amounts.
Approval-gated transfers
Configurable approval rules — admin-only, receiver-only, or both — so wallet credits never move without authorisation.
Full audit trail
Top-ups, transfers, and settlements all log to the immutable audit log with actor, timestamp, and reason.
Member joins the workspace
A virtual wallet is created automatically — no setup, no card application.
Admin tops up balances
Push credits to any member's wallet with a note and amount.
Members transfer credits
Send credits to a teammate. Admin approval keeps it accountable.
Settle real spending
Convert wallet credits into actual settlement records when needed.
Shared apartments
Roommates top up a shared pot, transfer credits when someone covers groceries, and clear balances at the end of the month.
Internal team budgets
Give each project lead a wallet, top it up at the start of the quarter, and let them request transfers to teammates as work happens.
Event organising
One organiser tops up everyone's wallet for a trip, members spend from it, balances reconcile at the end automatically.
Free workspace. Wallets created automatically as members join.
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