How Do Wallets and Sub-Wallets Work?

Every Lemony account comes with a wallet system designed to help you organize, control, and track your money across different clients, campaigns, or operational needs. Instead of keeping all your funds in a single place, you have a main wallet and as many sub-wallets as you want — each with its own purpose.

What is the main wallet?

The main wallet is the central hub of your Lemony account. All money that enters the platform arrives here first. Think of it as the main treasury of your operation.

When a client pays you in USD, EUR, or BRL, the funds are automatically converted into digital dollars and credited to your main wallet. You can also transfer digital funds from external sources directly into it.

The main wallet is designed to receive and hold your money. It is not meant for direct spending — you cannot link a card to it. Instead, its job is to serve as the distribution point. From here, you move funds into sub-wallets, where the actual spending happens.

Your dashboard shows a unified balance in USD that includes everything you hold across all wallets. You always know your total financial position at a glance.

What are sub-wallets?

Sub-wallets are separate compartments within your account that help you organize your money by purpose. You can create as many as you need, and each one has its own balance.

Common ways to use sub-wallets include:

- A sub-wallet for each client, with its own budget and card

- A sub-wallet for campaign spending on ad platforms

- A sub-wallet for internal team expenses and software tools

- A sub-wallet for partner payouts or recurring transfers

- A sub-wallet for taxes and reserves

You can move money freely between the main wallet and any sub-wallet, or between sub-wallets directly. There are no delays and no fees for moving funds internally.

"Think of your main wallet as the central treasury and sub-wallets as labeled envelopes — you decide how much goes into each one."

How do cards work with wallets?

Cards are always linked to sub-wallets, never to the main wallet. This is an important distinction.

When you create a virtual credit card, you assign it to a specific sub-wallet. That card draws its spending balance from that sub-wallet only. This means each card has its own dedicated pool of funds.

For example, you could create one sub-wallet for a client with a USD 10,000 budget, link a card to it, and give that card to your team member managing that account. That card can only spend what is available in that sub-wallet.

You can link multiple cards to the same sub-wallet, or have one card per sub-wallet. The structure is entirely up to you.

What does the dashboard show?

Your dashboard gives you a complete view of your entire financial structure at a glance.

You see the total balance of your main wallet, the balance of each sub-wallet, and a combined view of everything you hold expressed in USD. No matter how many sub-wallets you create or how much money moves between them, you always know your total position.

Each sub-wallet shows its transaction history, linked cards, and current balance. If you manage a team, you can also see who has access to which wallet and what cards are active. This replaces the old approach of logging into a bank account and manually tracking everything in a spreadsheet.

Why not just use a single account?

A single bank account works when you have one stream of money coming in and one stream going out. But most companies have multiple clients, campaigns, and expense categories running at the same time.

Without sub-wallets, you end up manually calculating how much belongs to each client, guessing which card charged what, and reconciling at the end of the month. It is time-consuming and error-prone, which campaign has budget remaining, and where your money is at any moment. No spreadsheets, no surprises, no end-of-month panic.