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

# Settlement wallet

> Configure the Stellar address where customer payments are sent.

Every organization must configure a **settlement wallet**: the Stellar public key that receives payments.

## Setup

Settlement wallets are configured during onboarding and can be updated in **Settings → Settlement Wallet**.

Requirements:

* Valid Stellar public key (`G...` address)
* Connected via Stellar Wallet Kit for proof of ownership
* Separate wallet per environment (sandbox and production)

## Accepted assets

By default, organizations accept:

* **XLM**: native Stellar lumens
* **USDC**: Circle USDC on Stellar

The settlement wallet must be able to receive the asset being paid:

| Asset | Requirement                                              |
| ----- | -------------------------------------------------------- |
| XLM   | Account must exist and be funded (minimum balance)       |
| USDC  | Account must have a trustline to the network USDC issuer |

## USDC trustlines

USDC on Stellar is issued by Circle. Your settlement wallet needs an active trustline to the correct issuer:

| Network | Environment variable          |
| ------- | ----------------------------- |
| Testnet | `STELLAR_TESTNET_USDC_ISSUER` |
| Mainnet | `STELLAR_MAINNET_USDC_ISSUER` |

Circle testnet issuer example:

```
GBBD47IF6LWK7P7MDEVSCWR7DPUWV3NY3DTQEVFL4NAT4AQH3ZLLFLA5
```

If the merchant or customer wallet lacks a USDC trustline, checkout returns a clear error before the transaction is submitted.

## How it affects payments

When you create a payment, Payoes snapshots the settlement address into the payment record. The checkout transaction always sends funds to that address.

Changing the settlement wallet after creating a payment does not affect existing pending payments.

## Security notes

* Payoes never holds private keys for merchant wallets
* Wallet connection during setup proves you control the address
* Use a dedicated settlement wallet rather than a personal hot wallet for production