Wallet Service is a micro-service whose core functionality is to manage wallets. It can be used to create wallet and perform different transactions with the wallet . It consists of a wallet transfer service for P2P funds transfers and wallet recharge service for airtime recharge from a wallet. A wallet can be identified using a unique identifier chosen by the wallet issuer or scheme owner. This unique identifier can be the wallet holder's name, mobile number, user ID, NIN etc.