Face Value:
The face value of your disbursement wallet represents the visible or apparent balance available to you for making transfers or withdrawals. It reflects the actual funds currently sitting in your disbursement account and is always equal to your wallet balance as seen in the system.
For everyday operations, this is the number you pay attention to, it’s what determines whether you can send money, settle bills, or process payouts. If your face value drops too close to zero, you may start experiencing failed transactions or limited ability to make withdrawals. That’s the system signaling a low available balance.
Book Value:
While the face value shows what’s directly available, the book value provides a more realistic picture of your financial position. It calculates what would remain in your wallet if every customer on your platform decided to withdraw both their wallet and savings balances at once.
This is important for assessing the true liquidity of your platform. Even if your face value appears sufficient, your book value could be significantly lower, especially if users are holding large balances in their accounts. Monitoring your book value ensures that you’re not caught off guard by mass withdrawals or a run on your system.
Formula:
Book Value = Face Value – (Total wallet balances + Total savings balances)
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