by "sign up to" i mean the wallet developer decides at design time to implement BIP20 - this functionality is already there in some wallets. they've signed up to implementing and responding to this kind of protocol message.
Nearly all wallets implement the BIP 21 (note not 20, 20 was replaced by 21) URI Scheme. Most (but not all) wallets support the BIP 70 Payment Protocol. However there is no such standard for a wallet to announce its balance, and nor should there be any such protocol.
For whatever you want to do, just create the BIP 21 URI and when the user clicks on the link, the wallet should open and automatically fill in the necessary send parameters as specified by your URI.