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A wallet holds a Party’s funds. Every party gets one wallet automatically once onboarding completes, and money moves in and out over ACH, wire, and more. You can open more than one wallet (keeping payroll apart from operating cash, or giving an agent its own) and set which wallet each agent uses by default. See Wallets and Wallet access.

Escrow

When you pay a recipient who hasn’t onboarded yet (by email or phone), the funds sit in escrow until they claim them. The sender’s wallet is debited right away, but the recipient can’t withdraw until they fully onboard.