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Digital Wallet System Design | Bank Account | SAGA pattern

4 different implementations of distributed transactions for wallet System Design

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Tim
Aug 30, 2025
∙ Paid

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Digital wallets sit at the heart of modern payments, powering apps like Venmo, Cash App, and PayPal. At their core, wallets must do something deceptively simple: debit one account, credit another, and ensure balances are always correct.

Today, we’re going to design Digital Wallet and cover the following components:

  1. Transactions in a Single Database (Small Scale)

  2. Distributed Transactions with a Sharded Database

  3. Distributed Transactions with a Saga Pattern

  4. Event Sourcing Approach

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