> ## Documentation Index
> Fetch the complete documentation index at: https://docs.anyway.sh/llms.txt
> Use this file to discover all available pages before exploring further.

# Finance & Payouts

> Understand your USD balance, transactions, payout accounts, and payout requests.

Finance manages Business balances, posted revenue, verification, payout accounts, and payout requests.

## Review total and available balances

Finance separates two figures:

| Figure                | Meaning                                                                                                                                         |
| --------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------- |
| **Total balance**     | The combined USD, USDC, and USDT holdings shown by Business, including USD that may still be clearing                                           |
| **Available balance** | The amount currently available after unsettled USD and open payout requests are withheld; non-USD holdings remain display-only for bank payouts |

When some USD is still clearing, Finance shows the withheld amount and may show its next
estimated availability time. The estimate does not release funds by itself: availability
changes only after settlement is confirmed. Refunded or disputed orders remain withheld
instead of becoming requestable.

The available USD component is based on posted Finance transactions. Each eligible platform-collected Card / USD sale records:

* the gross amount paid by the buyer;
* the applicable Anyway fee;
* the net amount owed to your business; and
* the related order ID.

When checking the records, use the fee posted for the completed order; do not calculate it from a hard-coded rate.

<Note>
  The Business totals do not include organization Credits or funds allocated to Agent
  Wallets. Only the available USD component can fund a USD payout request; USDC and USDT
  do not increase the bank payout limit.
</Note>

Financial posting happens after the order is paid, so a new transaction can take a short time to appear.

If payout availability cannot be calculated safely, Finance shows it as unavailable and
blocks a new request instead of estimating a larger amount.

## Payout readiness

You need both of the following:

* an **Approved** business verification; and
* at least one active payout account.

These are separate setup steps. Completing one does not complete the other.

## Supported payout accounts

| Account type        | Details requested                                                                                                         |
| ------------------- | ------------------------------------------------------------------------------------------------------------------------- |
| US ACH              | Account holder name, checking or savings account type, 9-digit routing number, and account number                         |
| UK bank             | Account holder name, bank name, 6-digit sort code, and 8-digit account number                                             |
| Hong Kong bank, USD | Account holder name, bank name, an account number containing 4 to 64 digits, and an 8 or 11-character Hong Kong SWIFT/BIC |
| Hong Kong bank, HKD | Account holder name, bank name, and an account number containing 4 to 64 digits; SWIFT/BIC is optional                    |
| Alipay              | Account holder name and Alipay account                                                                                    |
| China bank          | Account holder name, bank name, and account number; branch name and CNAPS code are optional                               |

Finance balances and payout requests remain in USD for every account type. A Hong Kong
USD or HKD account identifies the currency used for the manual bank transfer. It does not
create an HKD balance or automatically exchange funds.

You can save multiple accounts. Adding a new one does not replace an existing account.

Removing an account prevents it from being used for a new payout request. Historical payout requests keep their masked account reference.

<Warning>
  Enter payout details only in the secure Finance form. Never send full account information through email, chat, support tickets, or screenshots.
</Warning>

## Request a USD payout

<Steps>
  <Step title="Check your available balance">
    Review the available USD amount shown in Finance. The total balance is not the payout limit.
  </Step>

  <Step title="Meet the minimum">
    The minimum payout request is **\$50 USD**.
  </Step>

  <Step title="Choose an account">
    Select one active saved payout account. Its receiving route does not change the USD payout amount.
  </Step>

  <Step title="Submit the request">
    Optionally add a merchant note of up to 200 characters, then confirm.
  </Step>

  <Step title="Follow the status">
    Follow the request in Finance as its status changes.
  </Step>
</Steps>

## Payout request states

| Status     | Meaning                           |
| ---------- | --------------------------------- |
| Requested  | The request was submitted         |
| Processing | The payout is being processed     |
| Paid       | The payout was marked as sent     |
| Rejected   | The request will not be processed |

Paid and rejected requests are final. If a request is rejected, review the available information and contact support before creating a replacement request.