Wallets & Ledgers

SimulatePay uses a ledger-based system to ensure high-fidelity financial tracking.

Multi-Currency Wallets

Every merchant account starts with a default USD wallet. You can create additional wallets for EUR, GBP, and JPY to test cross-border settlement flows.

Double-Entry Ledger

Every transaction creates two entries: a debit and a credit. This ensures your simulated accounting remains balanced at all times.

Description

Debit

Credit

Customer Payment

-$100.00

+$100.00

Atomic Updates

Balance updates are atomic. If a transaction fails mid-way, the ledger automatically rolls back to prevent "ghost funds."