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

# Manage Wallets

> How non-custodial settlement wallets are added and activated.

This guide explains how to add and activate **non-custodial** wallets so merchant settlements land at the correct address and network.

## Use cases

* Route settlement to a treasury wallet
* Split environments (devnet vs mainnet) without changing code
* Rotate settlement destinations for operational or compliance needs
* Align settlement with embedded wallet infrastructure

## How it works (client perspective)

1. You add a non-custodial wallet address for the settlement network.
2. You **activate** one wallet per network in the dashboard.
3. Pepay sends all new settlements for that network to the **active wallet**.
4. Settlements arrive in the **merchant’s preferred settlement token** (not the payor’s token).

Key implications:

* The wallet must live on the **settlement token’s chain**.
* The asset deposited is your **settlement token** (for example, USD1 on BSC).
* Changing the active wallet changes where **future** settlements go.

## Step 1 - Decide your settlement token

Choose the token you want to receive in (for example, USD1 on BSC). This token determines:

* Which chain the wallet must support
* Which asset will be deposited for every paid invoice

## Step 2 - Add a non-custodial wallet

In the dashboard, add the wallet address for the settlement network. This registers it on the platform.

## Step 3 - Activate the wallet

Newly added wallets must be activated in the dashboard. Activation sets the **default settlement destination** for that network.

When activated:

* All new payments settle to this wallet
* Deposits arrive in the merchant’s preferred settlement token

## Step 4 - Verify

Use the SDK to retrieve wallets and confirm which one is active:

```ts theme={null}
const wallets = await pepay.wallets.list();
console.log(wallets);
```

## Wallet activation checklist

* Settlement token configured in the dashboard
* Wallet address added for the settlement network
* Wallet activated (one active per network)
* Test invoice paid and settlement received
* Active wallet recorded in your internal ops runbook

## Operational notes

* Use one active wallet per network.
* Store wallet metadata in your system for reconciliation.
* If you change the active wallet, update downstream accounting rules.

## Related guides

* [Integrate cross-chain payments](/guides/integrate-cross-chain-payments)
* [Integrate payments to embedded wallets](/guides/integrate-embedded-wallets)

If you want help configuring wallet management, reach out at [support@pepay.io](mailto:support@pepay.io).