Atlas Wallet Service

The Atlas Wallet Service provides core account and multi-currency ledger management for your platform entity and client sub-companies.

With Atlas wallets, businesses can hold balances across 100+ global fiat currencies, fund cross-border FX trades, collect inbound virtual IBAN deposits, disburse payouts, and query real-time running balance statements.

flowchart TD
    subgraph Inbound["Inbound Funding"]
        IBAN["Virtual IBAN Deposit (EUR/GBP/USD)"]
        FX["FX Trade Settlement (Buy Currency)"]
        TopUp["Internal Liquidity Top-Up"]
    end

    subgraph WalletCore["Atlas Wallet Engine"]
        Wallet["Multi-Currency Wallet (e.g. USD, EUR, GBP)"]
        Ledger["Double-Entry Statement Ledger"]
        Split["Split Payment Guardrails"]
    end

    subgraph Outbound["Outbound Uses"]
        Payout["External Bank Payout (/payments/create)"]
        Transfer["Inter-Wallet Sweep (/transfer)"]
        Sell["FX Conversion Source (/fx/payments)"]
    end

    IBAN --> Wallet
    FX --> Wallet
    TopUp --> Wallet
    Wallet <--> Ledger
    Wallet --> Split
    Split --> Payout
    Wallet --> Transfer
    Wallet --> Sell

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Key Features

• Multi-Currency Treasury: Create segregated wallets for major and exotic currencies (e.g. USD, EUR, GBP, AED, CAD, SGD).
• Real-Time Balances: Distinctly track totalBalance and availableBalance to prevent overdrafts while settlement holds are active.
• Wallet Types:
  • standard: General treasury and operating balance wallet.
  • fx_balance: Specialized wallet dedicated to FX trade conversions and exchange liquidity.
• Split Payments & Limits: Configure wallets with isSplitPaymentEnabled and splitPaymentLimit for automated multi-source settlement.
• Ledger Statements: Extract paginated statement transaction histories with exact timestamps, descriptions, references, and running balances.

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Wallet Types & Funding Classifications

Parameter	Values	Description
type	standard, fx_balance	Functional wallet category (standard operating wallet vs fx_balance dedicated exchange balance).
fundingType	account, smartWallet, pooled, null	Underlying account backing structure.
isBillingWallet	true, false	Specifies whether platform billing and subscription fees debit from this wallet.
isDefault	true, false	Default settlement wallet designated for the given currency.

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Available Endpoints

Endpoint	Method	Operation ID	Description
/{companyId}/wallets	GET	get_company_wallets	Fetch all wallets for a company with currency, type, and balance filters
/{companyId}/wallets	POST	create_wallet	Provision a new multi-currency wallet with custom reference label
/wallets/{walletId}/fetch-statements	GET	fetch_wallet_statements	Retrieve historical transaction statements and running balances

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Authentication

All endpoints require a valid JWT Bearer access token obtained via the Atlas Login endpoint:

Authorization: Bearer <your_jwt_access_token>