Wallet & ledger
Holds, top-ups, debit timing, and ledger export for finance - not rate cards.
Debit rows vs delivery status on the same ledger
Correlate each prepaid unit debit with DLR or channel outcome on one wallet ledger so finance never treats a sent badge as free money or a free failure as a silent write-off.
Multi-channel wallet caps when volume leaves the pilot
Operate SMS, voice, email, and verification burn caps on one prepaid wallet so growth past the pilot does not let one channel empty the account unnoticed.
When a prepaid hold fails: auto-refund and status truth
Treat a failed prepaid hold as a wallet event: release or refund automatically, export honest statuses, and never paint Activated or Delivered on money that did not settle.
Wallet stop-lines before production traffic
Make low-balance stops, channel ceilings, and named override ownership a production launch gate across SMS, voice, email, verification, and number actions.
Prepaid hold before the first debit
Follow the honest first money path from a reserved prepaid amount to available balance, assignment, and the first unit debit — including release and refund outcomes.