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I. Overview

Merchants with custody fund licenses can manage their own reserve fund and do not need the platform to manage it for them.
Terminology
  • Reserve fund: Funds used for cardholder spending, card issuance, and unified logistics payouts; managed by the merchant.
  • Reserve ratio: Reserve fund ÷ total member assets; used to measure funding coverage and transaction success rate.
  • Total member assets: Total value (USD) of digital assets held by members.

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II. Operations

Reserve fund overview

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2.1 Reserve fund top-up

Ensure the reserve fund account has sufficient balance before cardholder spending; otherwise transactions will fail. Reserve fund top-up
  • Method: External wallet address
1

Select deposit token

On the top-up page, select a token (e.g. USDT); the deposit details for that token are then shown.
2

Fees and estimated amount

  • Fee: The fee for this deposit; the actual credited amount is the deposit amount minus the fee.
  • Estimated credited amount: Deposit amount − fee; the final amount is calculated using the exchange rate.
3

Submit and get receive address

After clicking Submit, the system shows the receive address for the selected token; the user sends funds from an external wallet to this address to complete the deposit.
4

Check result

Click View result to go to the Deposit records page to see the status and credited amount; settlement may take some time.
  • Method: MPC wallet (bound) (Coming soon)
1

Select deposit token

On the top-up page, select a token (e.g. USDT); the deposit details for that token are then shown.
2

Confirm MPC balance

Confirm that the MPC wallet has sufficient balance.
3

Fees and estimated amount

  • Fee: The fee for this deposit; the actual credited amount is the deposit amount minus the fee.
  • Estimated credited amount: Deposit amount − fee; the final amount is calculated using the exchange rate.
4

Submit and authorize MPC transfer

After authorization, the system initiates the deposit.
5

Check result

Click View result to go to the Deposit records page to see the status and credited amount; settlement may take some time.

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2.2 Reserve fund withdrawal

1

Initiate withdrawal and confirm address

Enter withdrawal amount, receive address, etc., and click Initiate withdrawal.
2

Fees and estimated amount

  • Fee: The fee for this withdrawal; the actual received amount is the withdrawal amount minus the fee.
  • Estimated received amount: Withdrawal amount − fee; the final amount is calculated using the exchange rate.
3

Platform review

The withdrawal request goes to Reserve fund withdrawal review. After approval, the system executes the withdrawal.
4

Digital asset receive address

If the MPC wallet address is available it is shown; otherwise the field is empty and the user can click Change address to enter a receive address.

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III. Notes

  • On-chain deposits are irreversible; confirm the correct receive address shown by the system before sending.
  • Observe minimum deposit limits to avoid amounts too small to be credited.
  • Keep the reserve fund sufficient; high transaction failure rates lead to extra fees per transaction.