Disbursement Wallet Face Value: This shows the apparent value of the disbursement wallet. The face value is a reflection of what is in your disbursement account. The face value and balance of your disbursement wallet would always be the same. As this value tends to 0, it would affect withdrawals as it means your wallet balance is low.

Disbursement Wallet Book Value: The disbursement wallet book value is a reflection of what is actually in your position should all users on your platform attempt to withdraw funds from their wallet and savings at the same time.
 The book value can be calculated as Disbursement wallet face value – (Total wallet balances + Total savings balances)