public function actualBalance()
    {
        $credits = $this->wallet->transactions()
            ->whereIn('type', ['deposit', 'refund'])
            ->where('accepted', 1)
            ->sum('amount');

        $debits = $this->wallet->transactions()
            ->whereIn('type', ['withdraw', 'payout'])
            ->where('accepted', 1)
            ->sum('amount');

        return $credits - $debits;
    }