Zūm wallet is a virtual account which is used to facilitate money movement from either your bank account to your users' bank account or the opposite. You can see all activity involving your Zūm wallet through the portal. Every Zūm Rails account comes with one Zūm Wallet.
The goal of the Zūm Wallet is to help you manage funds. You can preload the wallet for faster disbursement, collect multiple transactions and then send one aggregate transaction to your funding source, or split the funds.