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Business Overview

 Let's explore the Wallet in 5 minutes.

Wallets are divided into two products:​

  • InCash
  • BgCash

The only difference between these two products is their names; all business processes are identical. In future documentation, they will be collectively referred to as Wallets.

Wallet Trading Modes​

The transaction model in Wallet consists of two major types:

  • Game Platform Transactions: Users perform deposit (top-up) and withdrawal (cash-out) operations between the game platform and their wallet.
  • Wallet Internal Transactions: Users engage in INR buying and selling directly within the wallet.

Game Platform Transaction Process​

  • Deposit is also referred to as "recharge".

    When a user uses their wallet balance to top up credits on a gaming platform, they select as the payment method, which generates a payment order. After completing the payment, the user's wallet balance is deducted, and their gaming platform account is credited with an equivalent amount of points.

  • Withdrawal(Cash-out)

    After winning a game, the user can send their winnings from the game platform back to the wallet for further sale.

Mind map of the Game Platform Process:

Transaction Process within Wallet​

Every wallet user may act as both a buyer and a seller, depending on the transaction type:

  • When buying INR, the user is the Payer
  • When selling INR, the user is the Payee

🟢 As a Payer – Buying INR​

On the ** wallet Home** screen:

  1. Tap Buy
  2. Choose a payment method
  3. Complete the payment via UPI
  4. Enter the UTR (Unique Transaction Reference)

If the Payee's UPI tool is online, the system will automatically verify the transaction. Upon successful verification, the Payer's wallet balance will increase, and the Payee will receive the INR.

💡 Notes:​

There are three available methods to purchase INR:

  • Via Trading Market
    ➤ No need to bind UPI
    ➤ The sellers are the upstream providers.

  • Via Bank
    ➤ Requires UPI to be bound
    ➤ Sellers must be upstream

  • Via USDT
    ➤ No need to bind UPI
    ➤ Transactions completed through a crypto wallet address
    ➤ Sellers must be upstream

⚠️ If the buyer inputs a blank or incorrect UTR — whether due to error or fraud — the transaction will become pending, which is a common issue in daily operations.

🔵 As a Payee – Selling INR​

On the ** wallet Home** screen:

  1. Tap Sell
  2. Select the UPI account to receive INR
  3. Ensure your UPI tool remains online
  4. Enter the amount of balance to sell

The system matches orders by itself. When the upstream pays and the payment is checked, the seller gets money in their UPI, and the upstream’s wallet balance goes up.

💡 Notes:​

  • 🔐 UPI binding is required to sell INR
  • ⚠️ Occasionally, when users add or update UPI accounts, the system might accidentally pull in unrelated personal transaction records from the tool — this can result in a Ct bill Pending status.

The mind map is as follows.