The Money API for Platform Builders.

Automate Payouts

Stop wasting time on manual bank transfers. Split a single payment to multiple suppliers, pay commissions, and handle payouts instantly, all through the API.

// Split a $100 payment
const payout = await aixgen.payouts.split({
  from_wallet: 'wlt_platform_main',
  transfers: [
    { to_wallet: 'wlt_seller_A', amount: 9000 },
    { to_wallet: 'wlt_platform_fees', amount: 1000 }
  ]
});

Build Marketplace Trust

Unlock failed transactions. Create a "Held Wallet" to act as an escrow. The buyer's funds are secured, giving the seller the confidence to ship. Funds are released automatically on delivery.

// 1. Buyer pays into escrow
const escrow = await aixgen.wallets.hold({
  wallet_id: 'wlt_buyer_123',
  amount: 50000, // $500.00
  release_trigger: 'DELIVERY_CONFIRMED'
});

// 2. Release funds on delivery
await aixgen.wallets.release({
  hold_id: escrow.id,
  to_wallet: 'wlt_seller_456'
});

Control Fleet & Team Spend

End reimbursement fraud. Issue "programmatic" wallets and cards to your drivers or teams. Control exactly *how*, *where*, and *when* money is spent. (e.g., "Fuel-Only" or "SaaS-Only").

// Create a controlled spend wallet
const fuel_card = await aixgen.cards.create({
  wallet_id: 'wlt_driver_789',
  spend_controls: {
    mcc_lock: ['5541', '5542'], // Fuel only
    max_amount: 10000 // $100 max
  }
});

Give Your Team Instant Pay

Become the #1 employer. Offer your workforce the ability to cash out their earned wages daily for a small fee. It's the single biggest retention tool for the modern economy.

// Get worker's earned, unpaid wages
const earned = await aixgen.hr.getEarnedWages({
  employee_id: 'emp_xyz_777'
}); // Returns 15000 ($150.00)

// Worker cashes out 50%
await aixgen.wallets.transfer({
  from: 'wlt_company_payroll',
  to: 'wlt_employee_777',
  amount: 7500, // $75.00
  fee: 300 // $3.00 platform fee
});

Create 'Sticky' Rewards

Stop giving your marketing budget to Google. Build a "Coalition" wallet with partners. Share acquisition costs and offer rewards your customers *actually* want.

// Issue a cross-platform reward
await aixgen.rewards.issue({
  wallet_id: 'wlt_cust_456',
  partner_id: 'golden_scent',
  reward_id: '10_off_perfume',
  trigger: 'NANA_PURCHASE > 50'
});

// Gamify savings (e.g., for CFO play)
await aixgen.wallets.credit({
  wallet_id: 'wlt_driver_789',
  amount: 500, // $5 bonus
  description: 'Fuel Saver Bonus!'
});

Program Your Operations

Connect your money to your physical operations. When a driver starts a route, their wallet is *instantly* funded with a "Fuel-Only" card. When a delivery is confirmed, the supplier's wallet is *instantly* credited.

This is "financial remote control." You eliminate reimbursement fraud, remove payment friction from your supply chain, and create trust in your marketplace with automated escrow. Your operations stop *waiting* for finance.

The Ultimate Retention Engine

A wallet is the most powerful retention tool you can build—for both customers and employees. For customers, you use it to "trap" refund revenue and build coalition loyalty programs that are 10x more valuable than points.

For your team, you offer "Instant Pay" (EWA), the #1 most-requested benefit for the modern workforce. By solving their cash flow, you eliminate the main reason they leave for competitors. Your wallet becomes your biggest competitive advantage.