Technically, the idea of a wallet already exists on Patreon - but it’s a creator only feature. When we are paid our payouts come from our current “wallet” balance. If a creator has money in the system when charges are rolling out it takes that from the wallet before it sends you a charge. I always liked how this worked because it minimizes payment processor interaction.
I think expanding the wallet system to everyone and adding features to it would be great.
Features you could add?
The ability for me to set a “reserve” amount to keep in my wallet each month, so when automatic payouts happen it will stash $x in the wallet before it pays me out, and that $x could be the amount I’m pledging to other creators.
This minimizes fees and ensures I’m giving the max to people I pledge to. This could be the alternative to you creator/payee fees issue that you spent all that time trying to tackle.
Instead of paying each creator individually you’d basically deposit currency into your Patreon wallet once a month equal to your expected Patreon payouts. Obviously there’s some variable with pay per creation posters, but you could opt to pledge to them with a cap or pay as you go once you run out of cash in your wallet for those.