Holding (Warranty)

The holding wallet is the central wallet that acts as the reserve of funds for the card program. There is one per client, and its virtual balance reflects the available capital to back card spending.

Its role varies depending on the configured authorization method:

• External authorization (Webhook / DeFi): the holding is the sole source of funds. Every time a transaction is approved, the amount is deducted directly from it. The client is responsible for authorizing or rejecting each operation in real time, and the holding distributes that capital toward payments.
• TopUp: each card has its own associated wallet with an individual balance. The holding reflects the sum of all those card balances, acting as an aggregator. When a transaction is approved, the amount is deducted from both the card's individual wallet and the holding.

In both cases, the holding balance decreases with each approved transaction and is restored upon refunds or reversals.