Wallet
Posteering's stored-value rail. Customer-owned, provider-held wallets with a real account number — create, fund, spend, and move balances through one neutral protocol.
The stored-value rail
Wallet is Posteering's stored-value capability: a customer-owned account that holds a balance and moves it — the sibling of Bankrail ("collect and transfer") and Vending ("vend a good"). Each wallet is an independent, provider-held account with its own real account number a customer can fund directly.
The balance never pools in Posteering. It lives in a licensed institution's account — one real account per customer, BVN-KYC'd, with the bank as custodian of record. Posteering directs moves against that account; it is never the custodian.
What it gives you
- Create a wallet — provision a customer-owned wallet. Returns a wallet handle and a real, fundable account number.
- Balance — read a wallet's available balance.
- Credit — fund a wallet (where the provider supports merchant-initiated credit).
- Debit — spend from a wallet (approval-gated per provider).
- Transfer — move value between two wallets on the same provider.
- External send — pay out to a named external bank account.
- Callbacks — signed notifications when funds land or a move settles.
The provider is data
A wallet is backed by a provider (Xpress Wallet today, backed by Providus). The provider name is data, never a code path — its auth, field names, and unit conventions live inside its adapter. Adding a provider changes nothing in the wallet contract. You integrate the neutral wallet vocabulary; the provider is a deployment detail.
Amounts are always kobo (integer minor units).
Base URL
https://api.posteering.com/api/v1/wallet
Through the One API
Reach Wallet the same way you reach any product — through the One API's
passthrough (/products/wallet/passthrough/...) and provisioning
(/products/wallet/provision). The One API stays agnostic; this doc defines the
wallet shapes it threads through untouched. See Create a wallet
for the KYC fields provisioning requires.