Digital wallets give merchants the ability to receive regular payments from their customers. A wallet has a list of transactions and balances (ledger and available balance)
Digital wallets are closed-loop. They can only be used to receive payments
Duplo's digital wallet allows you to create virtual account that can receive regular payments. We keep track of each payment into a wallet to give you a rich historical view of payments from your customer. Each wallet has a ledger balance and an available balance.
The ledger balance includes all transactions including pending/uncleared transactions
The available balance includes transactions that have been cleared.