“That can look like the Starbucks in-app payment experience where a customer loads funds, it can also allow a merchant to fund with incentives or refunds. The why of this is that it can really reduce costs, increase revenue and drive loyalty.”

https://techcrunch.com/2023/04/26/founded-by-adyen-and-affirm-alums-ansa-aims-to-help-merchants-create-virtual-wallets-for-customers/