@absolutejs/wallet

Closed-loop, dollar-denominated wallets for AbsoluteJS applications. Balances are integer cents, every movement is a balanced journal transaction, retries are idempotent, and bids/auctions reserve funds before settlement.

import { createMemoryWalletStore, createWallet } from "@absolutejs/wallet";

const wallet = createWallet(createMemoryWalletStore());
await wallet.createAccount("user_123");

The bundled policy starts with the AbsoluteJS marketplace decisions: USD display, $5 minimum funding, $2,000 maximum balance, $1,800 maximum transaction, 10% seller-paid market fee, and a $0.25 fee per direct-trade participant.

The package does not process cards, custody crypto, or promise cash redemption. Payment adapters fund the clearing side of a journal entry after a verified webhook; applications provide a transactional persistent WalletStore for production.

Agent allowances

createAgentWallet grants an agent narrowly bounded spend authority: per-item, daily, weekly, and lifetime caps; merchant/category/action allowlists; expiry; refundability; and a maximum number of open reservations. Requests reserve the exact amount and produce a signed mandate bound to the merchant, cart hash, currency, amount, agent, allowance, reservation, and expiration.

Amounts above autoApproveUpToCents become an @absolutejs/agency action. Capture cannot proceed until current policy accepts the approval, and it then executes through a single-use agency lease. The model never receives a raw balance mutation tool.

The package also exports structural AP2 intent/payment mandate adapters and a UCP extension payload. Those evolving protocols remain adapters; the wallet's allowance and accounting contracts do not depend on them.

walletPostgresSchemaSql() supplies a production PostgreSQL journal with a deferred database constraint that rejects unbalanced transactions at commit.