High performance distributed system of record with wallet services resiliency

A payment network comprises ledger services, and associated wallet services. To provide wallet services resiliency, multiple active wallet replicas are used to enable the system (i) to rely on collision detection and blockchain idempotency to produce a single correct outcome, and (2) to implement various collision avoidance techniques. Using a ledger services idempotency feature, multiple actors form independent valid intents and know that no more than one intent will get finalized on the ledger. In a variant embodiment, replicas implement processing delays and utilize so-called "intent" messages. By adding the delays, decision logic is biased logic towards one intent. The intent messages are used to intercede before a wallet handles a same original upstream message and forms a different intent. Seeing the replica's intent, the wallet can adopt the same intent and proceed with downstream processing. After adopting intent, preferably a wallet also informs its replicas of its intent.