Connect the wallet to the rest of your business.

$result = rb_elbal_debit( $user_id, '12.00', array(
    'type'            => 'app_usage',   // your own type, registered once
    'idempotency_key' => 'usage:88213', // a retry replays, never charges twice
    'note'            => 'Service used in app.',
) );

if ( is_wp_error( $result ) ) {
    // insufficient_funds, wallet_locked, invalid_amount
}

$can_spend = rb_elbal_available_balance( $user_id ); // balance minus holds

$sale = rb_elbal_debit( $user_id, '18.50', array(
    'type'            => 'pos_sale',
    'idempotency_key' => 'pos:till-3:sale:88213',
    'note'            => 'In-store purchase, till 3.',
) );

$sale->balance_after(); // '35.5000'

add_action( 'rb_elite_balance_transaction_created', function ( $transaction ) {
    // Fires after the database commit, and never for a replay,
    // so the ERP receives each movement exactly once.
    my_erp_post_journal_line( $transaction );
} );

rb_elbal_credit( $user_id, '10.00', array(
    'type'            => 'partner_credit',
    'idempotency_key' => 'loyalty:2026-07:user:' . $user_id,
    'note'            => 'July loyalty reward.',
    'meta'            => array( 'notify' => 'no' ), // no email for this one
) );

$balance   = rb_elbal_balance( $user_id );           // '54.0000'
$can_spend = rb_elbal_available_balance( $user_id ); // minus pending holds

rb_elbal_credit( $user_id, '25.00', array(
    'type'            => 'app_topup',
    'idempotency_key' => 'app:payment:pi_3Qx81',
    'note'            => 'Top-up from the app.',
) );

$withdrawals = rb_elite_balance()->get( 'withdrawals' );

// After your provider confirms the payout:
$withdrawals->transfer( $request->id(), array(
    'reference' => 'BANK-2026-07-0042',
    'fee'       => '2.00', // deducted from the amount, never a second movement
) );