> ## Documentation Index
> Fetch the complete documentation index at: https://docs.finhub.cloud/llms.txt
> Use this file to discover all available pages before exploring further.

# SCT10 - Closed-loop Operation

> Self-contained financial ecosystem for specific use cases via API

# SCT10 - Closed-loop Operation

Self-contained financial ecosystem for specific use cases, enabling controlled internal transactions and custom payment instruments through the API.

## Overview

This capability enables your platform to operate a closed-loop financial ecosystem where transactions occur within a controlled network, ideal for loyalty programs, corporate ecosystems, or specialized marketplaces.

## Features

| Feature                    | Description                     |
| -------------------------- | ------------------------------- |
| **Internal Wallet System** | Closed-loop wallet balances     |
| **Network Transactions**   | Internal peer-to-peer transfers |
| **Custom Instruments**     | Branded payment instruments     |
| **Loyalty Integration**    | Points and rewards systems      |
| **Ecosystem Management**   | Control participant access      |

## Configuration Options

| Level        | Features                        | External Access           |
| ------------ | ------------------------------- | ------------------------- |
| **Basic**    | Simple closed-loop transactions | None                      |
| **Standard** | Full ecosystem with loyalty     | Limited (load only)       |
| **Advanced** | Hybrid closed/open loop         | Full external connections |

## API Usage

### Create Closed-loop Wallet

```bash theme={null}
POST /api/v1/wallets
Content-Type: application/json
Authorization: Bearer {access_token}

{
  "customer_id": "cust_abc123",
  "wallet_type": "CLOSED_LOOP",
  "currency": "EUR",
  "name": "Loyalty Wallet"
}
```

**Response:**

```json theme={null}
{
  "wallet_id": "wal_xyz789",
  "customer_id": "cust_abc123",
  "wallet_type": "CLOSED_LOOP",
  "currency": "EUR",
  "balance": 0.00,
  "status": "ACTIVE"
}
```

### Internal Transfer

```bash theme={null}
POST /api/v1/wallets/transfers/internal
Content-Type: application/json
Authorization: Bearer {access_token}

{
  "source_wallet_id": "wal_xyz789",
  "destination_wallet_id": "wal_merchant001",
  "amount": 50.00,
  "currency": "EUR",
  "reference": "Purchase at Store A"
}
```

### Load Wallet from External Source (Advanced)

```bash theme={null}
POST /api/v1/wallets/{wallet_id}/load
Content-Type: application/json
Authorization: Bearer {access_token}

{
  "amount": 100.00,
  "source_type": "BANK_TRANSFER",
  "source_reference": "ref_123456"
}
```

## Use Cases

| Use Case                | Description                               |
| ----------------------- | ----------------------------------------- |
| **Corporate Ecosystem** | Internal corporate payments and expenses  |
| **Marketplace**         | Buyer-seller transactions within platform |
| **Loyalty Program**     | Points earning and redemption             |
| **Gift Cards**          | Closed-loop gift card systems             |

## Integration with Other Capabilities

| Capability               | Integration                     |
| ------------------------ | ------------------------------- |
| **SCT03 - Country**      | Wallet availability per country |
| **SCT05 - Subscription** | Recurring value loads           |
| **SCT11 - Compliance**   | Internal transaction monitoring |

## Related API Reference

<Card title="Wallet APIs" icon="wallet" href="/baas/api/reference/financial-operations/account-operations">
  View detailed wallet API specifications
</Card>

## Subscription Tier Availability

| Tier         | Configuration Level |
| ------------ | ------------------- |
| Starter      | Not included        |
| Professional | Basic               |
| Enterprise   | Advanced            |
| Custom       | Configurable        |