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

# Wallet

> Your business USDC balance: top up on Base, withdraw to M-Pesa in about ten seconds, and download receipts for every payout.

Your business wallet is where USDC lands from M-Pesa collections and stays until you move it. It lives on the dashboard [overview](/dashboard/overview).

## Balance

The card shows your live USDC balance on Base. It updates automatically as collections settle and withdrawals leave.

## Top up

Send USDC on **Base** to the address shown on the card. Funds appear as soon as the transfer confirms.

<Warning>
  Send USDC on Base only. Other assets or chains sent to this address are not detected.
</Warning>

## Withdraw to M-Pesa

Click **Withdraw**, enter the KES amount and the receiving M-Pesa number, and confirm. The modal shows what the recipient receives, the amount leaving your wallet, and the live rate before you commit. Payouts arrive in about ten seconds.

The 1% fee on withdrawals is paid by you: the recipient gets exactly the amount you type, and your wallet is debited about 1% more. See [pricing](/help/fees).

## Receipts

Every withdrawal produces a receipt with the M-Pesa confirmation code. Click **Download receipt** for a PDF you can file or share.

## What the wallet is for

* **M-Pesa collections** park here as USDC instead of auto-settling, so you choose when to cash out.
* [**Payroll**](/dashboard/payroll) runs are funded from this balance.
* **Treasury**: hold USDC as a dollar balance and withdraw to KES when the rate suits you.