Wallet and ledger
- Available, pending and locked balances shown separately
- Immutable double-sided ledger behind every movement
- Transaction detail with provider reference and timeline
- Filters by type, status and date range
Product
Everything in the wallet, and nothing hidden behind it
FinWallet covers the full journey from account creation to payout, with the operational tooling needed to run it responsibly.
Deposits
- Card, bank transfer, USSD and mobile money channels
- Amount validation against published minimum and maximum
- Fee preview before you confirm
- Idempotent processing so a retry never double-charges
Reward cycles
- Published rate, cap, start and end shown before joining
- Hourly accrual posted to the ledger as it earns
- Countdown to settlement with the exact settle time
- Cycle history with the rule version that applied
Tasks and bonuses
- Daily and one-off tasks with clear completion criteria
- Reward preview and cooldown timer
- Anti-abuse checks before a bonus is credited
Referrals
- Personal referral code and shareable link
- Invite states: invited, registered, verified, active, rewarded
- Referral earnings summary and payout history
Withdrawals
- Verified bank beneficiaries with name-match checks
- Eligibility gate: KYC level, cooldown and available balance
- Two-factor confirmation before submission
- Queue states: requested, approved, processing, paid, failed
Identity verification
- Tiered KYC levels with the limits attached to each
- Document upload with instant format feedback
- Review status, rejection reason and resubmission
Ads and monetisation
- Sponsored placements with clear ad labelling
- Frequency caps so placements never crowd the UI
- View and click tracking for reporting
Notifications
- In-app centre with unread state and deep links
- Categories for money, rewards, security and support
- Per-channel preferences
Support
- Ticket creation with category and attachment
- Threaded replies from agents with status changes
- Full ticket history
Account settings
- Profile, contact details and preferences
- Password change and two-factor management
- Active session review and sign-out
Operations and admin
- KYC review queue with approve, reject and request-more
- Deposit and withdrawal operations with holds
- Reward rule management and cycle settlement
- Audit log for every privileged action