What is Vault and how Settlement works
Settlement is managed from the Vault page.In Woldy, Vault is the place where a Branch balance is held, monitored, and moved through settlement. From this page, a merchant can review available funds, configure settlement behavior, and trigger settlement when needed.Each Branch has its own Vault and its own settlement logic, so settlement is always configured and executed at the Branch level.
Where funds settle to#
Every Branch has two components: a Vault, where incoming payments are held and processed, and a Wallet, created automatically when the Branch is created. Settlement moves funds from the Branch Vault to that Branch's own Wallet — not to a Woldy-held account.
Where to find Settlement#
Settlement is located on the Vault page of a specific Branch.configure auto-settlement
trigger manual settlement
review how settlement logic works for that Branch
Settlement modes#
Woldy supports two settlement modes inside the Vault page:
Settlement fee#
Settlement always uses the Branch tariff plan fee, with a minimum fee of $0.99. This rule applies to both manual and auto-settlement.The fee is calculated as follows:if settlement amount × tariff fee is greater than $0.99, the percentage-based fee is appliedif settlement amount × tariff fee is lower than $0.99, the fee is $0.99Example — fee calculation#
If the settlement fee in the tariff plan is 0.5%:settlement amount = 0.50 → charged fee = $0.99
settlement amount = 2.50 → charged fee = $2.50
Manual settlement#
Manual settlement is triggered directly by the user from the Vault page.This mode is useful when you want full control over when funds are moved from the Branch Vault.
Auto-settlement#
Auto-settlement is configured from the Vault page and runs automatically based on selected rules.Woldy currently supports two auto-settlement triggers:Pay Point — settlement is triggered when the balance reaches a configured amount
Schedule — settlement is triggered on a configured date or recurring schedule
The settlement fee for auto-settlement follows the same rule as manual settlement, including the minimum fee of $0.99.
Auto-settlement minimum amount#
Auto-settlement has a minimum supported amount, shown directly in the Auto-settlement widget on the Vault page (click the info icon). It isn't listed as a fixed number here because it depends on network conditions and the Branch's tariff plan — the Dashboard always reflects the current value.If the available balance is below this minimum amount, auto-settlement will not be executed.
Network-level settlement logic#
Auto-settlement is evaluated separately for each network shown in the Vault. This means Woldy checks balances and settlement conditions independently for each supported network.Example — independent networks#
A Branch has balances on Polygon, Arbitrum, and Base.If only the Polygon balance meets the configured Pay Point or Schedule condition, settlement will be executed only for Polygon — the other networks remain unchanged until their own conditions are met.
Pay Point#
Pay Point triggers settlement when the available balance on a specific network reaches the configured threshold.Example — Pay Point trigger#
Configured Pay Point: 1,000 USDCResult: settlement is triggered for Polygon, not for Arbitrum.
Schedule#
Schedule triggers settlement based on time.When the scheduled date or time is reached, Woldy checks the available balance for each network in the Vault and executes settlement only where the required conditions are satisfied.
How Settlement relates to Vault#
The Vault page is the operational center for settlement. It connects together:manual settlement actions
auto-settlement configuration
Branch-specific settlement rules
Key rules#
Settlement is managed from the Vault page of a specific Branch
Funds settle from the Branch Vault to that Branch's own Wallet
Manual settlement is triggered by the user; auto-settlement runs on Pay Point or Schedule
Auto-settlement is evaluated per network — each network's conditions are checked independently
Settlement always uses the Branch tariff plan fee, with a minimum of $0.99, for both manual and auto-settlement
Auto-settlement has a minimum amount requirement, shown live in the Vault page widget
Modified at 2026-08-23 10:43:47
