Reserve & Withdraw

The Deposit page shows your wallet balance, transaction history, and allows you to withdraw funds.

Insurance Reserve

For each completed payment, 1% of your payout is held as an insurance reserve in case of disputes.

How It Works

When a payment completes:

  1. Relay sends USDC to your wallet
  2. 99% goes directly to your external withdraw address
  3. 1% is held in your custodial wallet as a reserve

Example for a $100 payment with 7% Relay fee:

  • Your payout: $93.00
  • Delivered to your wallet: $92.07 (99%)
  • Held as reserve: $0.93 (1%)

Unfreeze-by-Payment

Each transaction's reserve unfreezes independently after 45 days from completion. This means:

  • Payment A (completed Jan 1) → reserve unfreezes Feb 15
  • Payment B (completed Jan 10) → reserve unfreezes Feb 24
  • Payment C (completed Jan 20) → reserve unfreezes Mar 6

Your total pending balance decreases as individual payment reserves expire.

Why 1%?

The reserve protects Relays from chargebacks and disputes. If a buyer disputes a charge, the Relay's payment provider debits the Relay. The 1% reserve helps offset this risk. After 45 days with no dispute, the reserve becomes available for withdrawal.

The 1% reserve is calculated from your net payout (after Relay fee), not the original payment amount.

Balance Display

The Deposit page shows:

FieldDescription
USDCTotal USDC in your custodial wallet (on-chain balance)
PendingReserved amount (sum of all unexpired 1% holds)
AvailableUSDC minus Pending — what you can withdraw
SOLSolana balance for transaction fees (auto-funded by platform)

Withdrawing Funds

Requirements

Before you can withdraw:

  1. 2FA enabled — Set up TOTP in Settings
  2. Withdraw address configured — Your external Solana wallet
  3. Sufficient available balance — Amount must not exceed Available (USDC - Pending)

Limits

LimitValue
Minimum amount2 USDC
Decimal placesMax 3
Rate limit2 per minute

Process

  1. Enter the withdrawal amount
  2. Enter your 6-digit 2FA code
  3. Click Withdraw

The withdrawal is queued and processed automatically:

  1. System validates balance and 2FA
  2. Creates a PENDING withdrawal record
  3. Sends USDC from your custodial wallet to your withdraw address
  4. Updates status to COMPLETED with Solana transaction signature

Withdrawal Statuses

StatusDescription
PENDINGWithdrawal queued for processing
PROCESSINGTransfer in progress
COMPLETEDFunds sent, Solana transaction confirmed
FAILEDTransfer failed (network error, insufficient SOL)

Deposit Address

Your custodial wallet address is shown on the Deposit page. You can receive USDC directly to this address, but typically your balance comes from payment settlements.

Only send USDC on the Solana network. Sending other tokens or using the wrong network will result in lost funds.

Transaction History

The Deposit page shows all wallet transactions:

TypeDescription
InIncoming funds (1% reserve from settlements)
OutOutgoing funds (withdrawals)

Withdrawal History

Below the transaction log, you can see all withdrawal requests with:

  • Amount
  • Status
  • Destination address
  • Solana transaction signature (when completed)
  • Timestamp