E-Money Wallet Balance Lifecycle

How a single unit of stored value moves from top-up to settlement, with reversals branching off later phases

E-Money Wallet Balance Lifecycle How a single unit of stored value moves from top-up to settlement, with reversals branching off later phases 01 / Balance lifecycle 02 / Reversals & outflows 03 / Outcomes Top-Up · funds cleared 1:1 · Balance lifecycle · credit 01 Top-Up funds cleared 1:1 credit Available · spendable balance · Balance lifecycle · balance 02 Available spendable balance balance Hold · authorization reserve · Balance lifecycle · reserved 03 Hold authorization reserve reserved Spent · capture / debit · Balance lifecycle · debit 04 Spent capture / debit debit Settled · reconciled to safeguard · Balance lifecycle · final 05 Settled reconciled to safeguard final Refunded · value returned · Reversals & outflows · reversal Refunded value returned reversal Withdrawn · payout to bank · Reversals & outflows · outflow Withdrawn payout to bank outflow Legend active state waiting terminal success failure / exit

Main path

  • • One horizontal rail carries value from cleared top-up to settled capture
  • • Each phase is a double-entry event, not a mutable balance field
  • • Settlement reconciles the wallet ledger to the safeguarding account

Holds and balances

  • • A hold reserves value and cuts the available balance
  • • Ledger balance is unchanged until the hold is captured as Spent
  • • Available = ledger balance minus active holds

Reversals and outflows

  • • Withdrawn moves cleared value out to the user's bank
  • • Refunded returns captured value to the available balance
  • • Every reversal is idempotent and keyed to the original event

Lifecycle diagram • Built with Archify • Create yours ↗ • Hover to trace • R route • Click to focus • +/− zoom • M radar • [/] views • P play story • T theme • E export