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Foundational·💳 Fintech·PayPal · Paytm · Google Pay

Design
Digital Wallet (Single Currency)

Design a digital wallet system supporting deposits, withdrawals, and balance tracking with a full transaction history.

#OOP#Ledger
Start Solving 6F + 2NF requirements inside

01 -  Why interviewers ask this

Money-handling problems are popular specifically to test rigor — interviewers want to see an immutable transaction ledger and real concurrency safety, not a single mutable balance field.

02 -  Where this system exists in the real world

You interact with this design every day.

Digital wallets (Paytm, Google Pay, PayPal balance)

In-app currency / credits systems

Prepaid card balance management

03 -  What you'll master

Solve this once. Know it forever.

01

Model money as an append-only transaction ledger

02

Prevent overdraft under concurrent access

03

Keep balance derivation auditable and consistent

04 -  What you'll design

6 functional · 2 non-functional requirements.

Create a wallet for a user with zero starting balance

5 more requirements inside

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05 -  Companies that ask this

You may face this exact question in your next interview.

P
PayPal
P
Paytm
G
Google Pay

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