Close Route Wallet

Urbanrupee's Close Route Wallet is a controlled wallet layer for programmes that need value to move on approved rails only—between your users, merchants, and treasury accounts you define. Issue balances, load funds from permitted sources, send peer-to-peer transfers inside the route, and settle to partners with policy-backed limits, full ledgers, and APIs that match your app experience.

Balances inside the route

Issue and manage wallet balances that stay within the programme boundaries you configure with Urbanrupee. Users can hold value, pay participating merchants, and transfer to other approved wallets—while loads, spends, and settlements follow your rules for sources, destinations, and velocity. Ideal for loyalty programmes, campus or closed user groups, B2B incentive wallets, and marketplaces that need ring-fenced float before bank-out.

Loads from approved funding sources

P2P and wallet-to-merchant spends

Treasury & float visibility

Policy, risk & audit

Close Route Wallet is built for operators who need every movement explainable: KYC-aware tiers, block and allow lists, per-user and per-merchant caps, and immutable journals for finance and compliance. Alerts surface unusual patterns; exports and APIs feed your reconciliation stack so wallet activity is never a black box.

Tiered eligibility & limits

Route-bound allow / deny rules

Ledger-grade activity history

Connect checkout, payouts & apps

Use the wallet alongside Urbanrupee checkout and payout products: collect into programme float, credit user wallets, debit for purchases or fees, and cash out through your approved bank or payout rails when policy allows. REST-style APIs and webhooks let your mobile and web clients show live balances, authorize spends, and keep support teams in sync with a single source of truth.

In-app wallet UX

Issue, view, and spend from your product

Webhooks & events

Drive notifications and back-office flows

Ops & finance exports

Statements your auditors expect

Closed-loop confidence

Keep value circulating only where your programme permits—reducing leakage and simplifying how you explain flows to stakeholders.

Faster go-to-market

Ship wallet experiences without stitching together ledgers, risk hooks, and payout rails from scratch—Urbanrupee hosts the operational core.

One stack with Urbanrupee

Pair the wallet with orchestration, checkout, and payout tools so collections, in-route balances, and bank-outs stay coherent for your teams.

Money that stays on your map

Urbanrupee's Close Route Wallet gives you a governed wallet layer: define who can hold, send, and receive value, connect it to the rest of your Urbanrupee payment stack, and operate with the clarity enterprises expect.