Keeping track of your wallet balance is essential for anyone managing digital assets and local currency on a fintech platform. Whether you're holding Philippine Pesos (PHP) or cryptocurrencies, understanding how your balance is calculated—and what influences its fluctuations—can help you make informed financial decisions. This guide breaks down everything you need to know about your total wallet balance, how to check it, and the key factors that impact it.
What Is Total Balance?
Your Total Balance represents the combined value of all your funds within the app, including both Philippine Pesos (PHP) and any cryptocurrencies you own. This figure is displayed in PHP and updated in real time, reflecting current market prices and recent activity. Because cryptocurrency values are volatile, your total balance may vary throughout the day even without making any transactions.
This real-time valuation helps users understand the current purchasing power of their digital holdings, making it easier to plan withdrawals, transfers, or investments.
👉 Discover how real-time balance tracking can improve your financial control.
Key Components of Your Total Balance
Understanding the elements that make up your total balance ensures transparency and confidence in your financial management.
Current Value
The amount shown as your Total Balance reflects the real-time PHP equivalent of your crypto assets plus your available peso funds. For example, if you hold 0.01 BTC and ₱500 in cash, the app converts the BTC into pesos using the latest exchange rate to display a unified balance.
Transaction Impact
Recent transactions directly affect your balance. Gains or losses over the past 24 hours are often color-coded—green for increases, red for decreases—to provide quick visual feedback. These changes may result from:
- Depositing or withdrawing PHP
- Buying or selling cryptocurrencies
- Receiving crypto from another wallet
This feature allows you to monitor your financial activity at a glance and react promptly to unexpected movements.
Pending Transactions
Balances may include funds involved in "In Order" transactions, such as pending buys, sells, or transfers. These amounts remain part of your displayed balance until the transaction is finalized. Once completed, they are either deducted (for outgoing transfers) or adjusted based on execution price (for trades).
It’s important to note that pending does not mean available—you cannot spend these funds again until the original transaction clears.
How to Check Your Wallet Balance
Accessing your balance is simple and intuitive. Follow these steps to stay updated on your financial status:
- Open the App: Launch the platform on your smartphone.
- Go to the Portfolio Tab: Tap on “Portfolio” from the bottom navigation menu.
- Review Your Balances: You’ll see a breakdown of each cryptocurrency balance alongside your PHP holdings.
From this screen, you can also tap individual wallets to view transaction details, addresses, or initiate transfers.
👉 Learn how secure portfolio tracking supports smarter financial choices.
Factors That Influence Your Wallet Balance
Several dynamic elements contribute to changes in your displayed balance—even when you haven’t initiated a transaction.
Cryptocurrency Market Volatility
Since cryptocurrencies are traded globally 24/7, their value fluctuates constantly based on supply and demand, news events, regulatory updates, and investor sentiment. A sudden market surge or dip will immediately affect the PHP equivalent of your crypto holdings.
For instance, if Bitcoin rises 5% overnight, your BTC-denominated balance in pesos increases—even if you didn’t buy more.
Exchange Rate Variability
The PHP-to-crypto exchange rate used in valuation updates frequently. Even small shifts in exchange rates between major stablecoins like USDT or USD to PHP can impact your total balance.
Pending Orders and Locks
When you place an order to buy or sell crypto, part of your balance may be temporarily locked. While still visible in your total, these funds are unavailable for other uses until the order executes or expires.
Transaction Fees
Every transfer or conversion comes with a fee—sometimes small, but cumulative over time. Withdrawal fees, network gas fees, or service charges reduce the final amount credited to your account, which affects your net balance.
Being aware of these fees helps avoid surprises when reviewing your available funds.
Frequently Asked Questions
Why did my balance change overnight without me doing anything?
Cryptocurrency values change continuously due to global market activity. Even if you didn’t make a transaction, the PHP equivalent of your crypto holdings adjusts with market prices. Check the current rates for your assets to confirm.
How do I know if a transaction is pending?
Pending transactions are typically labeled as "In Order" or "Processing" in your portfolio. They remain visible in your balance but cannot be reused until resolved. Completed transactions will appear in your history with a confirmed status.
Can I withdraw funds while I have a pending order?
Only funds not involved in pending transactions can be withdrawn. If part of your balance is locked in an active order, you must wait for it to complete before accessing those funds.
Does converting crypto affect my total balance?
Yes—converting one asset to another incurs fees and uses current market rates. The resulting amount may differ slightly due to spreads and charges, which are deducted from your final balance.
Where can I see detailed transaction records?
Tap any wallet in your Portfolio to view full transaction history, including dates, amounts, statuses, and fees. This log helps track inflows and outflows for budgeting or verification purposes.
👉 See how transparent transaction histories empower smarter money management.
Is my balance secure?
Reputable platforms use encryption, two-factor authentication (2FA), and cold storage for crypto reserves to protect user funds. Always enable security features like PIN protection and biometric login to further safeguard your account.
By understanding how your wallet balance works—its components, triggers for change, and tools for monitoring—you gain greater control over your digital finances. Whether you're saving in pesos or investing in crypto, staying informed ensures confidence and clarity in every financial move.