URL: /baas/api/capabilities/sct10-closed-loop

---
title: "SCT10 - Closed-loop Operation"
description: "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
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
{
  "wallet_id": "wal_xyz789",
  "customer_id": "cust_abc123",
  "wallet_type": "CLOSED_LOOP",
  "currency": "EUR",
  "balance": 0.00,
  "status": "ACTIVE"
}
```

### Internal Transfer

```bash
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
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-information">
  View detailed wallet API specifications
</Card>

## Subscription Tier Availability

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