PesaBridge

Wallets & ledger

A balanced wallet at the core.

Stored-value wallets on a double-entry ledger: top-up, send, pay, withdraw and request — every movement posts balanced debits and credits and reconciles to zero.

In depth

A wallet in PesaBridge is a balance on a double-entry ledger, not a number in a database. Topping up debits an agent's float and credits the wallet; a send debits the sender and credits the recipient plus the fee. The books always net to zero — there is no code path that loses or invents value, which is exactly what lets a CFO sign them and a regulator trust them.

Every action is PIN-gated and checked against the customer's KYC tier and limits before it posts, not after. Idempotency keys mean a retried request settles once, never twice, and a single reversal engine cleanly unwinds anything that shouldn't have happened — leaving the original transaction intact for audit. On top of the wallet sit overdraft, statements and exports, and the hooks the apps, USSD and API all read from.

Why it matters

Built to be trusted.

  • Double-entry by construction — the books always balance.
  • Idempotent and reversible, so retries never double-charge.
  • KYC tiers, per-transaction and daily limits, PIN and wallet locking.

Outcomes

  • A trustworthy money store
  • Audit-ready from day one
  • Foundation for every other feature
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What's inside

Stored-value wallets — in detail.

01

Top-up & withdraw

Cash in and out via the agent network or bank rails.

02

Send & request

Person-to-person transfers and money requests, instantly.

03

Pay

Bills, merchants, airtime and more from one balance.

04

Statements

Full, exportable transaction history for every wallet.

Real flows

How it works in practice.

Switch between the journeys this capability handles. Each one checks balance and limits, then waits for PIN or biometric authorisation before posting balanced entries to the ledger.

Send money in-app

Wallet-to-wallet or wallet-to-bank, settled in seconds on a balanced ledger.

Authorised with PIN or biometric — nothing posts to the ledger until the customer confirms.
  • Balance & limit checked first
  • Validation / authorisation gate
  • Balanced debits & credits posted
Customer
System
CustomerOpen the app, tap Send
01
CustomerPick recipient — contacts or recent
02
CustomerEnter the amount
03
04
System · validatesCheck KYC tier, balance & daily limit
05
SystemShow fee & confirmation
Customer · validatesAuthorise — PIN or biometric
06
07
SystemPost balanced debit & credit
08
SystemCredit recipient's wallet
09
SystemPush + SMS receipt
System · doneSent · reference shown
Step Validation / PIN Completed
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Countries you can launch in

0

Native apps, one platform

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Channels — App · USSD · Web · API

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Double-entry, always balanced

More of the platform

One core, every capability.

Agent & super-agent network

Cash-in / cash-out, float distribution, commissions and field onboarding.

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Merchant payments

Till / Pay Bill / QR, plus prompt-to-pay that lands on the customer's phone.

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Developer API

OAuth2 keys, a sandbox, STK push and signed webhooks.

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USSD & offline

The full wallet on a feature phone, multilingual — reach everyone.

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White-label & global

One core, your brand. Currency, language, rails and KYC are configuration.

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Ready to launch your wallet?

Book a demo and we'll stand up your brand, country and rails — and walk you through the apps, admin and API.

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