A wallet balance is the amount of money, or of a digital asset, that a digital wallet shows as belonging to its user at a particular time. In an e-money or mobile money wallet, the balance is an entry in the provider's wallet ledger, representing a claim on the provider that is backed by customer funds held in safeguarded or trust accounts at banks. Providers often show two figures: the available wallet balance, which can be spent or withdrawn now, and the pending wallet balance, which covers incoming funds not yet cleared or amounts held for pending payments. In a non-custodial crypto wallet, the balance is not stored in the app at all; the software reads it from the blockchain for the addresses the user controls. The balance shown in an app is only as reliable as the provider's records, which is why regulators require regular wallet reconciliation against the funds that back it.
Last updated 15 Nov 2026