# Wallets and treasury

> One account, many named wallets: route payments by purpose, keep a default receiver, export any key, and manage the money you hold with treasury buckets, reserves, and auto-sweep rules.

Part of the Soca documentation (https://soca.finance/docs). Human version: https://soca.finance/docs/business/wallets-and-treasury
Your Soca account is one identity with as many wallets as you want under it; each is named, colored, and given a job. Incoming money routes to the right wallet automatically, and the treasury view helps you organize what you hold: what stays available, what is reserved, and what earns. Throughout, the money is in wallets whose keys you hold.

## How do named wallets work?

Under **Dashboard → Wallets** you can create additional wallets and give each a name, an icon, a color, and a **purpose**. A wallet is a real Solana wallet of your own, not a sub-balance in someone else's ledger. The page shows each one's balance and address alongside your total across all of them.

All settlement happens on Solana. (Other networks may appear as identity only, never as a settlement path.) Settlement is Solana-only by design.

## What is purpose routing?

A purpose is a routing tag: **business**, **subscriptions**, **savings**, **personal**, **trading**, or **private**. Each purpose belongs to exactly one wallet, and payments of that type settle there automatically. Tag a wallet "Business" and customer payments land in it; tag another "Subscriptions" and recurring revenue separates itself from one-time sales. Bookkeeping happens at the moment of settlement instead of after the fact.

- **Default receiver.** One wallet is your default; anything without a matching purpose tag lands there. Change the default any time with **Make default**.
- **Per-item override.** An [invoice](/docs/business/invoices) can name its own **Settles to** wallet, which wins over routing for that invoice.
- **Filters follow the routing.** [Payments](/docs/business/payments), invoices, and the dashboard home can all be filtered by wallet, so each wallet doubles as a clean reporting view.
- **Reorganize freely.** Renaming or re-tagging wallets only affects where future payments go; nothing moves retroactively.

## Can I take my keys elsewhere?

Always. Soca is non-custodial: money settles to wallets you hold the keys for, and any wallet key can be exported at any time. On the Wallets page, **Export key** opens any embedded wallet's private key for import into a wallet app like Phantom. It is protected behind a passkey and available whenever you choose. Soca never has a "request withdrawal" step because there is nothing to withdraw from. The money is already in your wallets.

## What is the treasury view?

Wallets answer "where does money arrive?"; **Dashboard → Treasury** answers "what is my money doing?". It organizes your total funds into three buckets:

| Bucket | What it is |
| --- | --- |
| **Available** | Your working money, ready for refunds and expenses. |
| **Reserved** | Set aside and protected: a refund reserve, a tax reserve, and a minimum operating balance that automation never touches. |
| **Earning** (coming soon) | A bucket for putting excess funds to work at a variable rate. Not live yet — the section below explains what it will do. |

From the treasury page you can **Move money** between buckets, **Add funds**, and **Withdraw**. An activity feed records every movement, rule change, and approval with its status.

## How do treasury rules and auto-sweep work?

Rules make the routine part automatic. On first visit, Treasury asks how hands-on you want to be: keep everything available, earn on excess automatically, or manage it manually. **Treasury rules** lets you tune the details:

- **Keep available**: a minimum operating balance that is never swept into Earning.
- **Reserves**: refund and tax reserves that are likewise never swept.
- **Auto-sweep**: move funds above those floors into Earning on a schedule: manually, daily, or weekly. Pause or resume the whole thing with one toggle.
- **Guardrails**: an optional cap on how much can sit in Earning, movement limits, a minimum-rate threshold, approval requirements for large movements, and an emergency withdrawal that pulls everything back to Available immediately.

> **Earning is coming soon**: Putting idle funds to work at a variable rate is on the way, not live yet. When it launches, funds in the Earning bucket will be deployed through a disclosed third-party provider and carry protocol, stablecoin, and liquidity risks, at a variable rate that is not guaranteed, with a full risk disclosure. The Available and Reserved buckets stay out of it entirely.

## How does treasury relate to settlement?

They are independent layers. Funds settle wallet-to-wallet inside the payment transaction itself: there is no pooled balance, no payout schedule, and no withdrawal step. Treasury is an optional layer you opt into on top of money you have already received; skipping it changes nothing about how you get paid.