Receiving Funds

Hold mode vs. auto-withdraw

TokenCashFlow offers two settlement modes. You choose in the Client Portal → Dashboard → Payment Settings → Settlement Mode.

Mode	KYC required	How it works
Hold (default)	Basic KYC	Funds credited to your TokenCashFlow USDT balance after each payment completes. Withdraw manually at any time.
Auto-withdraw	Advanced KYC	After each payment completes, TokenCashFlow automatically sends the funds to your configured withdrawal wallet. No manual action needed.

The settlement mode is snapshotted at payment creation time. Changing the setting after a payment is created does not affect that payment — only future payments.

Hold mode

With hold mode enabled:

• After each COMPLETED payment, the net settlement amount is credited to your TokenCashFlow account balance in USDT
• Your balance is visible in Dashboard → Account Balance
• Request a withdrawal at any time: Dashboard → Withdrawals → New Withdrawal
• Withdrawal requires admin approval; completion time depends on chain congestion

Auto-withdraw (Advanced KYC required)

With auto-withdraw enabled:

• After each COMPLETED payment, TokenCashFlow automatically creates a withdrawal to your pre-configured wallet
• No admin action is required for withdrawals below the platform's auto-approval threshold
• You receive a withdrawal.completed webhook when funds arrive at your wallet
• Requires your withdrawal wallet to be configured and past the 24-hour cooling period

To enable auto-withdraw:

1. Complete Advanced KYC (Dashboard → Identity Verification → Advanced)
2. Add a withdrawal wallet for each chain you receive on (Dashboard → Withdrawals → Wallets)
3. Enable Auto-Withdraw in Dashboard → Payment Settings

Fee overview

Fees are deducted before crediting your account. The exact fee percentages are set by the platform operator and visible in the Client Portal.

Service fee

Applied to every payment.

Default: 0.5% of amount_usd

Conversion fee

Conversion fee applies to all payments.

Payer's crypto	Default fee
USDT (any chain)	1.0% of amount_usd
Any other crypto	2.0% of amount_usd

Fee payer option

You can choose whether your customer or you absorbs the fees:

• Merchant pays (default): Fees are deducted from the settled amount
• Payer pays: The required crypto amount shown to the payer is increased to cover the fees; you receive the full amount_usd

Withdrawal fee

A fixed fee per chain, deducted from each manual withdrawal. View the current per-chain fees in Dashboard → Withdrawals → Fee Schedule.

Withdrawal wallets

Before requesting a manual withdrawal you must add a wallet address for the target chain.

1. Go to Dashboard → Withdrawals → Manage Wallets
2. Select the chain, enter the address, and give it a label
3. 24-hour cooling period applies to new addresses — you cannot withdraw to a newly added address for 24 hours (configurable by platform operator)
4. After the cooling period, the wallet is available for withdrawals

Address format validation is enforced per chain (EVM checksum, Solana Base58 length, etc.). Invalid addresses are rejected at submission time.