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

# Reserve Fund

## I. Overview

Merchants with custody fund licenses can manage their own reserve fund and do not need the platform to manage it for them.

<Info>
  **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.
</Info>

***

## II. Operations

<img src="https://mintcdn.com/keysecure-c9be109e/TdiuvIR2ZRpafJG8/en/images/beifujin.png?fit=max&auto=format&n=TdiuvIR2ZRpafJG8&q=85&s=2991e087bdf752c6609d77760303498b" alt="Reserve fund overview" width="1184" height="816" data-path="en/images/beifujin.png" />

### 2.1 Reserve fund top-up

Ensure the reserve fund account has sufficient balance before cardholder spending; otherwise transactions will fail.

<img src="https://mintcdn.com/keysecure-c9be109e/N7sOyCXvZbt4qIAj/en/images/beifujincz.png?fit=max&auto=format&n=N7sOyCXvZbt4qIAj&q=85&s=c6d36f4bf2b642cc7b176b801833ccdd" alt="Reserve fund top-up" width="2624" height="1314" data-path="en/images/beifujincz.png" />

* **Method: External wallet address**

<Steps>
  <Step title="Select deposit token">
    On the top-up page, select a token (e.g. USDT); the deposit details for that token are then shown.
  </Step>

  <Step title="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.
  </Step>

  <Step title="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.
  </Step>

  <Step title="Check result">
    Click **View result** to go to the **Deposit records** page to see the status and credited amount; settlement may take some time.
  </Step>
</Steps>

* **Method: MPC wallet (bound)** *(Coming soon)*

<Steps>
  <Step title="Select deposit token">
    On the top-up page, select a token (e.g. USDT); the deposit details for that token are then shown.
  </Step>

  <Step title="Confirm MPC balance">
    Confirm that the MPC wallet has sufficient balance.
  </Step>

  <Step title="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.
  </Step>

  <Step title="Submit and authorize MPC transfer">
    After authorization, the system initiates the deposit.
  </Step>

  <Step title="Check result">
    Click **View result** to go to the **Deposit records** page to see the status and credited amount; settlement may take some time.
  </Step>
</Steps>

### 2.2 Reserve fund withdrawal

<Steps>
  <Step title="Initiate withdrawal and confirm address">
    Enter withdrawal amount, receive address, etc., and click **Initiate withdrawal**.
  </Step>

  <Step title="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.
  </Step>

  <Step title="Platform review">
    The withdrawal request goes to **Reserve fund withdrawal review**. After approval, the system executes the withdrawal.
  </Step>

  <Step title="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.
  </Step>
</Steps>

***

## III. Notes

<Warning>
  * 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.
</Warning>