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Wallet-as-a-Service (WaaS)

Wallet-as-a-Service (WaaS) provides an API-driven abstraction for wallet creation, funding, payouts, and transaction tracking. WaaS handles:
  • Wallet lifecycle management
  • Multi-currency balances
  • Credit and debit transactions
  • Wallet status controls
  • Transaction reconciliation

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Core Features & APIs

The Wallet API supports the following operations:
  • Customer Management
    • Create and manage customer profiles
  • Wallet Management
    • Create wallets per customer and currency
    • Retrieve wallet details and balances
    • Update wallet status (active, frozen, deleted)
  • Payment Methods
    • Add supported payment methods to wallets
  • Transactions
    • Credit transactions (funding)
    • Debit transactions (payouts)
    • Transaction listing and retrieval

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Base URL

https://api.spendjuice.com

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Authentication

All API requests require authentication using an API key. Header 
Authorization: YOUR_API_KEY

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Typical Merchant Flow

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Customer Onboarding

  1. Create customer
  2. Complete KYC verification
  3. Create wallet
  4. Add payment method

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Daily Operations

  • Fund wallet (credit)
  • Process payouts (debit)
  • Retrieve balances
  • Monitor transactions

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Account Management

  • Freeze wallet 
    PATCH /wallets/{id}/status
  • Delete wallet 
    PATCH /wallets/{id}/status

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Error Handling

CodeDescription
400Invalid request parameters
401Unauthorized (invalid API key)
404Resource not found
422Business rule validation failed
500Internal server error

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Best Practices

  • Complete customer KYC before wallet activation.
  • Use idempotency keys for wallet and transaction creation.
  • Persist transaction IDs for reconciliation.
  • Keep wallet status synchronized with internal user state.
  • Use sandbox mode before production deployment.