Your wallet history

Your history is the wallet's memory: every shilling in, every shilling out, in order, from the beginning. Learning to read it turns arguments into lookups — with yourself, with a customer, with anyone who says a payment did or did not happen.

What an entry records

• Direction and amount: money in or money out, and exactly how much.
• The other side: who the movement was with — a person, a merchant, or, as rails arrive, a bank or provider.
• When it happened, to the moment it was recorded.
• Context you added, like a note on a payment, so future-you knows what past-you was doing.

Entries are written at the moment money moves, and neither you nor the other person can edit them afterwards — the record is added to, not rewritten. A history that does not bend to either side's wishes is what makes it evidence rather than opinion.

Using it as your statement

For personal record-keeping, the history already is the statement: scroll to the period you care about and the events are all there. Small businesses lean on it harder — end-of-day reconciliation is comparing what the counter remembers with what the wallet recorded, and the wallet wins ties. Keeping simple business records builds a light routine around it, and business records and history covers the merchant view.

If an entry looks wrong

First, read it fully — most surprises are payments from a plan you set up, a request approved earlier, or a note-less transfer you have simply forgotten. If an entry genuinely is not yours, treat it as a security event: review your sessions, change your wallet PIN, and report it through Help in the app with the entry in front of you. The permanence that makes history trustworthy also makes it a precise thing to investigate.