What Are Wallets and Why Do They Matter?

Wallets in Zitcha help networks and advertisers track financial commitments and monitor spending progress.
By linking organisations with shared wallets, Zitcha ensures a clear and structured approach to managing budgets.

Wallets serve as the earliest stage of retail media planning and are a required component before creating a plan, ad set, or ad.

Wallet Components

Every wallet in Zitcha includes a set of core components that determine how it functions:

Component	Description	Example
Name	A user-friendly label for easy identification when assigning it to a plan.	FY24 TVLine Launch
Initial Balance	The total starting budget, often representing a Joint Business Plan (JBP) commitment.	$100,000 committed between retailer and supplier as part of a JBP.
Minimum Balance	The lowest balance allowed before the wallet is considered depleted.	Set to $0 if you want to fully exhaust the budget.
Start Date	The date the wallet becomes active.	Today or a future date aligned with campaign launch.
End Date	The final date the wallet can be used, regardless of spending progress.	June 30 (end of financial year) or campaign-specific.
Additional Info	A description of the wallet’s purpose (visible internally only).	“Used for Q4 promotional activity, managed by Dan.”
Allow Overdraw	Determines whether the wallet balance can go negative.	Enabled by exception; check with Customer Success.
Credit Note	Increases the wallet’s balance.	Adding $10,000 after a mid-year budget top-up.
Debit Note	Decreases the wallet’s balance (e.g., ad set deduction).	Deducting $5,000 for an approved ad set.
Net Position	The remaining balance after all credits and debits.	Start $100,000 + $10,000 – $5,000 = $105,000.
Available Balance	The amount still available to allocate to a plan.	Same as Net Position unless overdraw is enabled.

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Note:
If Overdraw is not allowed, the Net Position and Available Balance will match.
If Overdraw is allowed, the Available Balance may exceed the wallet’s initial value.

Common Wallet Structures

Networks and advertisers often manage multiple wallets to separate different financial agreements.
The two most common structures are:

1. Terms of Trade

A pre-agreed retail media commitment, typically annual, that forms part of a Joint Business Plan (JBP).

2. Over and Above

Additional spending beyond standard trade agreements, usually for incremental media activity such as promotional bursts or seasonal campaigns.

Summary

Wallets are the financial foundation of every retail media campaign in Zitcha.
They ensure transparency between retailers and advertisers, help control spend, and provide a consistent framework for tracking commitments throughout the campaign lifecycle.