> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://docs.coinflow.cash/guides/checkout/settlement-locations/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://docs.coinflow.cash/_mcp/server.

# 📍 Settlement Locations

## 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.

## Recommended for most merchants

#### [Settlement to Coinflow Wallet](/guides/checkout/settlement-locations/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.**

> **Tip**
>
> **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 →](/guides/checkout/settlement-locations/settlement-to-coinflow-wallet#bank-settlement)

#### Advanced: Direct settlement to your own infrastructure

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](/guides/checkout/settlement-locations/merchant-byo-wallet-settlement)

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

#### [Direct Settlement to Your Contract](/guides/checkout/settlement-locations/settlement-to-contracts/whitelist-your-contracts)

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:

* [Implement Settlement to EVM Contract →](/guides/checkout/settlement-locations/settlement-to-contracts/settle-to-evm-contract/implement-settlement-to-evm-contract) — for EVM-compatible networks
* [Implement Settlement to Solana Contract →](/guides/checkout/settlement-locations/settlement-to-contracts/settle-to-solana-contract/implement-settlement-to-solana-contract)
* [Implement Settlement to Stellar Contract →](/guides/checkout/settlement-locations/settlement-to-contracts/settle-to-stellar-contract/implement-settlement-to-stellar-contract)

## Docs

- [👝 Settlement to Coinflow Wallet](https://docs.coinflow.cash/guides/checkout/settlement-locations/settlement-to-coinflow-wallet.md): 
- [👝 Settlement to a BYO Wallet](https://docs.coinflow.cash/guides/checkout/settlement-locations/merchant-byo-wallet-settlement.md): For Merchants Without Contracts: Learn How to Directly Settle Purchase Revenue into a Crypto Wallet.
- [How To: Whitelist Your Contract Address](https://docs.coinflow.cash/guides/checkout/settlement-locations/settlement-to-contracts/whitelist-your-contracts.md): Developers can use this guide to whitelist programs so that Coinflow can run transactions through your programs / smart contracts.
- [Settlement to EVM Contracts](https://docs.coinflow.cash/guides/checkout/settlement-locations/settlement-to-contracts/settle-to-evm-contract/implement-settlement-to-evm-contract.md): For Merchants With Smart Contracts on EVM Chains: Learn How to Enable Settlement to a Contract or Wallet.
- [EVM Transactions In-Depth](https://docs.coinflow.cash/guides/checkout/settlement-locations/settlement-to-contracts/settle-to-evm-contract/evm-transactions-in-depth.md): How Coinflow EVM transactions work end-to-end and how to debug them.
- [Tempo Signature Integration (secp256k1 / P-256 / WebAuthn / Keychain V2)](https://docs.coinflow.cash/guides/checkout/settlement-locations/settlement-to-contracts/settle-to-evm-contract/tempo-signature-integration-secp-256-k-1-p-256-web-authn-keychain-v-2.md): Accept Tempo wallets signing with secp256k1, raw P-256, WebAuthn passkeys, or Keychain V2 access-key envelopes for EVM credits redemption on the Tempo chain.
- [Settlement to Solana Contract](https://docs.coinflow.cash/guides/checkout/settlement-locations/settlement-to-contracts/settle-to-solana-contract/implement-settlement-to-solana-contract.md): For Merchants With Programs on Solana: Learn How to Enable Settlement to a Contract or Wallet.
- [Settlement to Stellar Contracts](https://docs.coinflow.cash/guides/checkout/settlement-locations/settlement-to-contracts/settle-to-stellar-contract/implement-settlement-to-stellar-contract.md): For Merchants With Smart Contracts on Stellar: Learn How to Enable Settlement to a Soroban Contract.