Hello Ed,

Users can have a wallet when they have the has_wallets capability. By default, users have the “Subscriber” role which does not have that capability by default. Please see Wallets -> Capabilities to see which capabilities you may need.

Normally this Capabilities UI should be all you need, but in multisite setups it won’t help you because the wallets menu is available at the network level, not at any individual site.

I will try to address this in a future release, but in the meantime you can use any plugin for managing capabilities to assign has_wallets to “subscribers” on each blog where you need it.

This plugin is quite good: https://wordpress.org/plugins/user-roles-and-capabilities/

hope this helps

kind regards,
Alex