A digital wallet, designed and shipped end-to-end
A digital wallet with deposits, withdrawals, internal/external transfers, transaction limits, and a hardened ledger. Designed and shipped end-to-end as the financial layer for the Direct ecosystem.
The brief
The Direct ecosystem needed a financial layer the rest of the products could trust — deposits coming from gateways, transfers between user accounts, withdrawals back out, all with a clean audit trail. We designed the schema, wrote the ledger logic, and shipped the entire experience top to bottom.
What we built
- Double-entry ledger with immutable journal entries, balance snapshots for fast reads, and reconciliation jobs that catch drift before users see it.
- Multi-currency support with FX-rate snapshots stored against every transfer for auditability.
- Transaction limits engine — per-user, per-tenant, per-channel, with daily / weekly / monthly windows. Edits don’t change history; they version forward.
- Vue.js dashboard for users (balance, recent activity, transfer composer) and operations (KYC review, manual adjustments, freeze/unfreeze).
- Webhook system so the rest of the ecosystem (Hotels, Surveys, Marketing) can react to wallet events without polling.
Outcome
Wallet went from concept to production in one quarter, became the source of truth for user balance across the ecosystem, and has run without a reconciliation incident since launch.
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