Abstract: Cashless financial accounts and wallets, and in particular to a cashless retail wallet with just-in-time funding from a cashless wagering wallet, are disclosed. In this regard, in one example, a server may receive a request to withdraw an amount of currency from a cashless retail wallet or other financial account as part of a purchase transaction, which is subject to a set of regulatory rules. In response to receiving the request, an amount of currency is transferred from a cashless wagering wallet or other financial account that is subject to a different set of regulatory rules into the cashless retail wallet, so that the cashless retail wallet has sufficient funds to complete the requested withdrawal. The funds are then withdrawn from the cashless retail wallet to complete the purchase transaction.