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# 👝 Settlement to a BYO Wallet

> **Warning**
>
> **This page is for advanced / cryptocurrency-native companies.** If that's not you, head back to the [Quickstart](/guides/getting-started/quickstart) for the standard flows.

## Overview

Some merchants may want their purchase revenue to settle directly in their crypto wallet. This is most common for merchants who are already processing payments with other payment service providers, but want their purchases to settle instantly to USDC and don't have a smart contract. This is possible with Coinflow and only requires a couple configuration steps. The key difference in this case is you don’t need to build a transaction for Coinflow to execute – simply let users purchase without extra work.

## USDC settlement

Suppose you are building a donation website and want to allow users to donate money with a credit card, then receive the donations as USDC in your wallet. USDC settlement is perfect for this, and does not require your end users to send a transaction from their wallet.

### 1. Create a USDC Wallet

**Solana**

1. Create a Solana Wallet. We recommend a multi sig on [Squads](https://squads.so/).
2. Send some USDC to the wallet. Sending USDC to the wallet creates an Associated Token Account for the wallet.
3. Copy the ATA address. You will need it later.

**EVM**

1. Create an EVM Wallet.

* Coinflow recommends [multisigs for maximum security.](https://www.alchemy.com/list-of/multisig-wallets-on-polygon) Otherwise, [a regular software wallet](https://www.alchemy.com/best/software-wallets) can be used.

1. Send some USDC to the wallet. Sending USDC to the wallet creates the storage deposit for the wallet.
2. Copy the Wallet address. You will need it later.

**Stellar**

1. Create a Stellar Wallet with a G-prefixed public key. You can use any Stellar-compatible wallet such as [Freighter](https://www.freighter.app/) or [Lobstr](https://lobstr.co/).
2. Establish a USDC trustline on the wallet. This allows your wallet to hold USDC on the Stellar network. Most Stellar wallets let you add a trustline from the asset management screen by searching for USDC.
3. Copy the wallet's public key (G-prefixed address). You will need it later.

### 2. Configure your USDC Settlement

1. Go to the [Merchant Dashboard and click on the "Settings" tab.](https://merchant.coinflow.cash/settings)
2. Under the section `Earnings Settlement Settings`, select `Crypto wallet`.
3. Paste the wallet address copied in step 1 into the "Wallet Address" field. Confirm settlement location.

### 3. Test payment settlement

1. Go to your checkout page and complete a purchase.
2. You will see that when transaction is successful, but the USDC is sent directly to the wallet you specified above.

## Implementation Notes

> 🚧 Do **not** use a `transaction` prop in your `<CoinflowCheckout />` component.
>
> If using APIs, ensure you do not pass a transaction to the endpoint.