Wallets and balances
One wallet per currency. Balances are never mixed.
List your wallet balances.
[
{
"currency": "XAF",
"available": "980000",
"pending": "11800",
"total_inward": "1050000",
"total_outward": "70000",
"updated_at": "2026-06-27T09:01:42Z"
}
]| Field | Meaning |
|---|---|
available | Balance available for payouts and for settlement under your commercial agreement |
pending | Amount awaiting settlement |
total_inward | Lifetime total received |
total_outward | Lifetime total sent |
How the balances relate#
The fields satisfy one identity, which is the basis of reconciliation:
available = total_inward - total_outwardavailableis money that has settled in, less money that has gone out. It is what you can pay out against.pendingis money accepted but not yet settled intoavailable. It is not yet spendable and sits outside the identity above.total_inwardis the lifetime total of settled collections.total_outwardis the lifetime total of everything that has left the wallet: customer payouts and settlements to your own account alike.
Settlement is a separate process. There is no withdrawal endpoint in the API. Moving funds out to your own account follows the settlement process in your commercial agreement. A settlement increases total_outward, so it reduces available in exactly the same way a customer payout does.
Payout reservations. Submitting a payout reserves the amount against available immediately, before it settles, so available already reflects payouts you have submitted but that have not yet completed.
One currency at launch. The Congo launch settles in XAF only, so there is a single wallet and nothing to consolidate. A consolidated multi-currency balance view will be documented if and when a second currency is enabled.
Maly Tech Ltd. This guide is provided for information. Where it differs from your signed agreement, the agreement applies.