👛 Wallet

The Wallet resource is the foundation of Pandascrow’s escrow system. Every user, business, or platform has one or more wallets to hold, send, and receive funds securely.

Wallets allow you to store balances in multiple currencies, track transactions, and move money seamlessly across Pandascrow’s infrastructure.

🔗 How It Works

A wallet is created automatically for each account, but you can also create sub-wallets for specific use cases (e.g., NGN wallet, USD wallet, project wallet).
Funds can be added through deposits, payment links, or transfers.
Balances are updated in real time, and transactions are fully traceable.
Wallets can send money, request payouts, or fund escrow transactions.

💼 Use Cases

Businesses managing multiple currency wallets (e.g., NGN & USD).
Freelancers separating personal and client project funds.
Platforms holding escrow balances for buyers and sellers.
Agencies managing team or department-specific wallets.

✨ Features

Multi-currency support: Create and manage wallets in NGN, USD, and other supported currencies.
Escrow integration: Wallets are directly linked to escrow transactions for funding and payouts.
Real-time balance tracking: See your available, pending, and locked balances instantly.
Transaction history: Every inflow and outflow is tracked with references and metadata.
Secure transfers: Move funds between wallets or to external accounts with OTP and compliance checks.

🧾 Data You Can Attach

Field	Description
`wallet_id`	Unique identifier of the wallet
`currency`	Currency type (e.g., NGN, USD)
`balance`	Current available funds
`locked_balance`	Funds reserved for ongoing escrow or pending transactions
`status`	`active` or `inactive`
`owner_id`	ID of the user or business that owns the wallet
`metadata`	Optional JSON for attaching extra details (e.g., project name, wallet notes)
`created_at`	When the wallet was created
`updated_at`	Last time wallet details were updated

🔐 Security & Controls

KYC/Compliance checks for wallets before enabling large transactions.
OTP & device verification for transfers and withdrawals.
Fraud monitoring with AI-powered risk detection.
Granular permissions for business accounts to control who can access or use each wallet.

🚀
Wallets are the backbone of Pandascrow — secure, flexible, and built for growth. From freelancers to global platforms, your wallet keeps money safe, traceable, and ready to move.