Wallets is a fully managed, white-label wallet service to materialize and spend users funds. It comes with built-in support for multi-currency balances and temporary holds capabilities (and upcoming support for reserved funds and expirable fungibles). It is built on top of the Formance Ledger service and is designed to provide an easy way to add wallets capabilities to your application without having to worry about the underlying transactions structure, providing an opinionated model implementation.