---
title: "Wallets & transactions"
description: "How wallets relate to trading accounts, manager wallet actions, and reading the transaction ledger."
---

> Documentation Index
> Fetch the complete documentation index at: https://docs.callistocrm.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Wallets & transactions

## Wallets vs trading accounts

A **wallet** is the brokerage-side cash ledger, per currency: it holds a
client's funds before they move onto a trading platform and after they come
back off it. A **trading account's** balance lives on the platform
(MetaTrader/TradeLocker) and is separate.

Money flows: deposit → wallet → transfer to trading account → trade →
transfer back to wallet → withdrawal.

Key figures on a trading account: **Balance** is cash; **Equity** is balance
plus unrealized P&L; **Free margin** (equity minus locked margin) is the
withdrawable figure.

Wallet balances are a true ledger — always live, never a snapshot.

## Managing a client's wallets

Wallet management lives on the client's profile, **Wallets** tab, grouped
into **"Trading wallets"** and **"Partner wallets"** (the commission wallet —
USD-only, one per partner).

- **"Create wallet"** — provision a wallet in a new currency for the client.
- **"Adjust"** — credit or debit the wallet. A **category is required**
  (**Correction**, **Bonus**, **Compensation**, or **Fee Reversal**) plus
  optional notes, all audit-trailed. The dialog previews the projected
  available balance, blocks debits beyond the available balance, and asks for
  an extra confirmation on large adjustments.
- **"Transfer"** — move funds from the wallet into one of the client's
  trading accounts in the same currency.

Client-to-client transfers are governed by the brokerage-wide **"User
Transfers"** policy toggle in Configure → Payment Providers (off by default).

## The transaction ledger

The Transactions page is the brokerage-wide, read-only record of every money
movement. Managers see the whole brokerage; traders see only their own.

Transaction types: **Deposit**, **Withdrawal**, **Transfer**
(wallet-to-wallet), **MetaTrader Transfer** (wallet → trading account),
**MetaTrader Transfer From** (trading account → wallet), **Commission
Withdrawal**, **Bonus Applied**, and **Bonus Revoked**. Transfers create
paired debit/credit rows that reference each other.

### Statuses

- **Pending** — awaiting completion (or manager review, for withdrawals).
- **Completed** — done; for withdrawals on an automated payout rail, this
  means the provider confirmed the payout.
- **Processing** — approved and moving through a payout provider.
- **Returned** — the payout was refused after funds were debited, and the
  money has been credited back to the client's wallet.
- **Rejected** — declined by a manager or refused by the payout provider.
  (Traders see this as "Failed"; the manager view keeps the distinction.)
- **Failed** — did not complete.
- **Expired** — a crypto deposit whose payment window closed unpaid. A late
  payment to the same address revives the deposit automatically.

The ledger is deliberately action-free. To act on a pending withdrawal, use
the [withdrawal queue](/deposits-and-withdrawals); deposit outcomes follow
the provider's confirmation.

Source: https://docs.callistocrm.io/wallet-and-transactions/index.mdx