Settlement flow
How a captured payment lands in your wallet — timing, currency conversion, rolling reserve, and how to read the balance fields.
Context and key considerations
When a payment is captured the money doesn't arrive in your wallet instantly — it moves through a deterministic pipeline that splits across four buckets on your balance, converts to your settlement currency, and releases on your tier's schedule. This page shows you what to expect at each stage.
Money lifecycle
Customer pays (local currency)
│
▼
┌─────────────┐
│ pending │ ← raw amount minus platform + processor + network fees
└──┬──────────┘
│
├──(rolling reserve %)──→ ┌─────────────┐
│ │ reserve │ released T+90d
│ └─────────────┘
│
└──(net of fees + reserve)──→ ┌─────────────┐
│ available │ released T+N business days
└─────────────┘
│
│ on chargeback / refund:
▼
┌─────────────┐
│ frozen │ funds held until resolution
└─────────────┘Balance buckets
GET /api/v1/me/balance returns four numeric fields, all in USD major units:
| Field | Meaning |
|---|---|
| available | Withdrawable now. Captured charges that have cleared the settlement cadence. |
| pending | Captured but not yet settled. Releases to available on your cadence (T+N). |
| reserve | Rolling reserve — % of every capture held for 90 days against chargeback risk. Auto-releases. |
| frozen | Reserved for funds held against an open claim. The bucket is exposed on /me/balance but currently always returns 0 — claim freezes are tracked via the claims engine, not yet surfaced in this bucket. |
Currency + crypto conversion
Customers pay in local currency (MXN, BRL, COP, ARS, …). We convert to USD on capture using a quote frozen for 60 seconds. The API surfaces only the result of the conversion — amount (USD, what the merchant is charged in their books) and amountLocal (the buyer-side local figure). The rate itself is not part of the public response — it's an internal pricing detail. From USD, the merchant's payout config determines the settlement crypto (USDT, USDC, etc.). Cross-currency wallets are gated by tier — see the tier matrix.
Rolling reserve
Every capture contributes amount × rollingReservePct to the reserve bucket. Each reserve contribution releases 90 days after the original capture date. GET /me/balance includes a reserveSchedule field listing the next 3 upcoming releases so you can forecast cash flow.
Payouts
When available reaches your minimum payout threshold (configurable, default $100 USD) a payout is auto-enqueued. The settlement worker processes payouts on your cadence and emits settlement.closed + withdrawal.completed webhooks when the crypto leaves the platform. Manual payouts are also available via the dashboard for premium tier.