Wallet money spawns as a bundle.

code/game/objects/items/weapons/storage/wallets.dm

@@ -82,10 +82,10 @@
 	..()
 	var/amount = rand(50, 100) + rand(50, 100) // Triangular distribution from 100 to 200
 	var/obj/item/weapon/spacecash/SC = null
+	SC = new(src)
 	for(var/i in list(100, 50, 20, 10, 5, 1))
 		if(amount < i)
 			continue
-		SC = new(src)
 		while(amount >= i)
 			amount -= i
 			SC.adjust_worth(i, 0)