Three-D Wallet API

Enterprise-Grade Digital Wallet System Documentation

Production Ready Version 1.0.0 API v1
Laravel 11 PHP 8.1+ MySQL 8.0 Redis 6.0 Vue.js 3 WebSocket REST API

System Overview

The Three-D Wallet API is a comprehensive, enterprise-grade digital wallet system designed for high-frequency transaction processing with financial institution-level security. Built on Laravel 11 with modern architecture, it provides robust foundation for financial applications requiring real-time balance management, multi-currency support, and comprehensive audit trails.

Security First

Multi-layer authentication with client tokens, handshake verification, IP whitelisting, and comprehensive audit trails.

High Performance

Handles 2000+ transactions per minute with <500ms response times and 200+ concurrent users.

Enterprise Ready

Production-ready with comprehensive monitoring, alerting, and 99.9% uptime target.

Financial Institution Grade Security

Security Features:

  • • Multi-layer authentication system
  • • ACID-compliant transaction processing
  • • Complete audit trail
  • • Comprehensive security logging
  • • Data integrity monitoring

Compliance Foundation:

  • • ACID compliance implementation
  • • Complete audit trail system
  • • Data retention policies
  • • Security event logging
  • • Regulatory compliance framework
99.8%
Transaction Success Rate
<500ms
Average Response Time
2000+
Transactions/Minute
200+
Concurrent Users
100%
Data Integrity
99.9%
Uptime Target

Core Features

Wallet Management

  • • Create & manage digital wallets
  • • Multi-currency support
  • • Real-time balance tracking
  • • Wallet status management
  • • Automated wallet validation

Transaction Processing

  • • Atomic transaction processing
  • • Multiple transaction types
  • • Idempotency protection
  • • Race condition prevention
  • • Real-time balance updates

Security & Authentication

  • • Multi-layer authentication
  • • Client token management
  • • Handshake-based security
  • • IP whitelisting
  • • Rate limiting & DDoS protection

Configuration Management

  • • Client-specific configurations
  • • Transaction limits management
  • • Currency settings
  • • Transaction type configuration
  • • System configuration options

Analytics & Monitoring

  • • Real-time dashboard
  • • Transaction analytics
  • • Performance monitoring
  • • Alert management
  • • Audit trail & reporting

Administrative Tools

  • • Comprehensive admin dashboard
  • • Wallet validation & fixing
  • • Transaction monitoring
  • • System health monitoring
  • • Configuration management

System Architecture

High-Level Architecture

graph TB subgraph "Client Applications" WEB[Web Dashboard] API_CLIENT[API Client] end subgraph "Application Layer" APP[Laravel Application] end subgraph "Middleware Layer" AUTH[Authentication] RATE[Rate Limiting] SEC[Security Validation] LOG[Activity Logging] end subgraph "Service Layer" WALLET[Wallet Service] TRANS[Transaction Service] VALID[Validation Service] AUDIT[Audit Service] end subgraph "Data Layer" MYSQL[(MySQL Database)] REDIS[(Redis Cache)] QUEUE[Queue System] end subgraph "Monitoring" MONITOR[Performance Monitoring] ALERT[Alert System] end WEB --> APP API_CLIENT --> APP APP --> AUTH AUTH --> RATE RATE --> SEC SEC --> LOG LOG --> WALLET LOG --> TRANS LOG --> VALID LOG --> AUDIT WALLET --> MYSQL TRANS --> MYSQL VALID --> MYSQL AUDIT --> MYSQL WALLET --> REDIS TRANS --> REDIS WALLET --> QUEUE TRANS --> QUEUE APP --> MONITOR APP --> ALERT

Technology Stack

Backend:

Laravel 11, PHP 8.1+, MySQL 8.0, Redis 6.0

Frontend:

Vue.js 3, Tailwind CSS, Chart.js, WebSocket

Infrastructure:

Nginx, Docker, Redis Cluster, Load Balancer

Security:

Laravel Sanctum, JWT, HTTPS, WAF

Architecture Principles

  • • Microservices Ready: Modular service design
  • • SOLID Principles: Clean code architecture
  • • Event-Driven: Real-time processing
  • • Scalable: Horizontal scaling support
  • • Resilient: Fault tolerance & recovery
  • • Observable: Comprehensive monitoring

Authentication & Security

Multi-Layer Authentication Flow

sequenceDiagram participant C as Client Application participant LB as Load Balancer participant MW as Middleware Stack participant API as API Controller participant DB as Database participant CACHE as Redis Cache Note over C,CACHE: Layer 1: Client Authentication C->>LB: Request with X-Client-Token LB->>MW: Forward Request MW->>CACHE: Validate Client Token CACHE-->>MW: Token Valid Note over C,CACHE: Layer 2: Handshake Verification MW->>CACHE: Validate Handshake Token CACHE-->>MW: Handshake Valid Note over C,CACHE: Layer 3: IP Whitelist Check MW->>DB: Check IP Whitelist DB-->>MW: IP Authorized Note over C,CACHE: Layer 4: Rate Limiting MW->>CACHE: Check Rate Limits CACHE-->>MW: Within Limits Note over C,CACHE: Layer 5: Security Validation MW->>MW: Validate Input & Headers MW->>API: Forward Secure Request API->>DB: Process Business Logic DB-->>API: Return Data API-->>MW: Response MW-->>LB: Secure Response LB-->>C: Final Response

Authentication Layers

Layer 1: Client Token

Long-lived client identification with bcrypt hashing

Layer 2: Handshake Token

Short-lived session security (5-30 minutes)

Layer 3: IP Whitelist

Network-level access control with CIDR support

Layer 4: Rate Limiting

DDoS protection with endpoint-specific limits

Layer 5: Input Validation

XSS, SQL injection, and malware protection

Security Features

  • • Cryptographic Hashing: SHA-256 transaction integrity
  • • Token Management: Secure token generation with expiration
  • • Session Security: Time-based token expiration & cleanup
  • • Audit Logging: Complete security event tracking
  • • Input Validation: XSS, SQL injection protection
  • • Rate Limiting: DDoS protection with configurable limits

Wallet Validation & Fraud Rules

Disabling Conditions (inactive + defaulter)

  • • Balance mismatch: Stored balance ≠ sum of successful transactions
  • • Strict duplicates: Duplicate successful txns with same payable_id, type, transaction_ref, amount, entry_type
  • • Negative non-dispute: Balance < 0 and no successful dispute transaction exists
  • • Suspicious fraud: ≥ 6 consecutive same-type successful txns with ≤ 15s gaps within last 24h

Non-Disabling Findings

  • • Pending/stuck transactions (pending > 5 minutes)
  • • Orphaned transactions (for visibility only)
  • • All ledger calculations use only successful transactions
  • • Status is strictly active or inactive

API Duplicate Rules

  • • Same transaction_ref can be reused across opposite types (booking OUT and refund IN)
  • • Same transaction_ref cannot be reused for the same type on the same wallet
  • • Enforced by DB unique index on (payable_id, type, transaction_ref) and service pre-insert check

Transaction Processing

Transaction Flow Diagram

graph TD START[Transaction Request] --> AUTH[Authentication Check] AUTH --> VALID[Request Validation] VALID --> LIMIT[Limit Validation] LIMIT --> LOCK[Acquire Wallet Lock] LOCK --> BALANCE[Check Balance] BALANCE --> DECISION{Sufficient Balance?} DECISION -->|Yes| CREATE[Create Transaction] DECISION -->|No| REJECT[Reject Transaction] CREATE --> ATOMIC[Atomic Database Transaction] ATOMIC --> UPDATE[Update Wallet Balance] UPDATE --> HASH[Generate Security Hashes] HASH --> LOG[Audit Logging] LOG --> RELEASE[Release Lock] RELEASE --> SUCCESS[Success Response] REJECT --> ERROR[Error Response] SUCCESS --> COMPLETE[Transaction Complete] ERROR --> ALERT[Alert Generation] classDef success fill:#d4edda,stroke:#155724 classDef error fill:#f8d7da,stroke:#721c24 classDef process fill:#cce5ff,stroke:#0066cc class SUCCESS,COMPLETE success class REJECT,ERROR,ALERT error class CREATE,UPDATE,HASH,LOG process

ACID Compliance

  • • Atomicity: All-or-nothing transactions
  • • Consistency: Database integrity maintained
  • • Isolation: Concurrent transaction safety
  • • Durability: Permanent data storage

Race Condition Prevention

  • • Database Locking: Row-level locks
  • • Retry Mechanism: Deadlock handling
  • • Idempotency: Duplicate prevention
  • • Consistency: 100% data integrity

Performance Optimization

  • • Database Indexing: Optimized query performance
  • • Caching: Redis for frequently accessed data
  • • Query Optimization: Efficient database queries
  • • Memory Management: Efficient resource usage

This documentation covers the core features and architecture of the Three-D Wallet API.

The system provides enterprise-grade digital wallet functionality with comprehensive security, audit trails, and performance optimization.

For detailed API endpoint documentation and integration examples, contact the development team.