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📍 Settlement Locations

Choose where Coinflow delivers the funds from your customer payments.

Overview

A settlement location is where Coinflow delivers the proceeds of every successful payment you collect. You configure this once during account setup, and every payment that follows settles to that destination automatically.

Coinflow supports three settlement models. Most merchants use the Coinflow Wallet. Advanced setups can settle to a destination you control.

Settlement to Coinflow Wallet

Funds from every successful payment land in your Coinflow Wallet — a balance held inside your merchant account. From there you can pay out users, withdraw to your bank, or enable automatic daily ACH sweeps to your company’s bank account. No additional infrastructure needed on your end. Recommended for all merchant types.

Want funds in your bank account? Coinflow can automatically send your Coinflow Wallet balance to your bank account each day. Learn how to set it up →

If your business already operates its own settlement infrastructure, Coinflow can deliver funds directly there. You keep full custody — Coinflow never holds funds after settlement. This path is intended for technical teams with existing on-network infrastructure.

Direct Settlement to Your Wallet

Settle directly to a wallet your team controls on any supported network.

Direct Settlement to Your Contract

Settle directly into a whitelisted contract for automated settlement logic — custom payment flows, programmatic delivery, or on-contract receipts.

Implementation guides by network

Once you’ve whitelisted your contracts, follow the network-specific guide for step-by-step setup: