A clutch can function like a wallet—but only under the right conditions. This guide explains the key differences in structure, purpose, and etiquette, and shows when a mini clutch can replace a traditional wallet for errands, travel, or light daily use. You’ll also learn why decorative designs, such as pearl or shell clutches, are unsuitable for frequent opening. From size to material, every detail affects practicality. Whether you’re choosing for personal use or product development, this breakdown helps you make a more informed decision.