virtual wallet
Refers to a digital wallet used for online payments, cryptocurrency, or in-app purchases.
I topped up my virtual wallet and then shopped within the app.
電子マネー refers to electronic money itself, while 仮想財布 is the container or service that holds such digital funds.
Compound of 仮想 (virtual) and 財布 (wallet). A straightforward modern coinage for digital wallet services.